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Halifax: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.94 (160 reviews)

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3.82

Based on 160 reviews, last reviewed 25th Apr 2025

100% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

57%

18%

Latest highest rating:

5

EXCEPTIONAL SERVICES FROM IAN DIXON IAN DIXON IS AN EXCEPTIONAL MORTGAGE ADVISOR My mortgage advisor Ian Dixon was exceptional and professional. He is the best Advisor who went extra m... Read more Reviewed on: 25th April 2025

Latest lowest rating:

1

Poor. Big regret using Halifax for our mortgage Never heard anything from Halifax (we bought our first home 3 months ago) other than a letter to say when our first mortgage payment was due. No “cong... Read more Reviewed on: 13th April 2025

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About this product

Halifax is a bank offering a range of financial services, such as bank accounts, savings, insurance and mortgages, including fixed rate mortgages. A fixed rate mortgage will have a set interest rate for a certain term, usually two or five years. It’s important to be confident that you understand the terms, conditions and interest rate of a mortgage. Always consult the lender or an independent advisor if you need help understanding the options available to you.

Finding the right mortgage is a huge part of buying your dream home. We collect Halifax fixed rate mortgage reviews to help you decide if the lender and product are right for your needs.

If you’re considering a fixed rate mortgage with Halifax, read the reviews on Smart Money People first. Find out why customers chose this mortgage product and how satisfied they’ve been so far. Learn more about Halifax’s customer service. Read about genuine experiences to gain valuable insight into the provider.

Did you purchase your home with a Halifax fixed rate mortgage? Write an honest review today. Tell us why you chose Halifax and this particular mortgage product. Was the application process simple to understand? Share the main pros and cons you’ve experienced so far. Has Halifax kept you well informed of any important mortgage news or updates? Would you recommend your mortgage product to family and friends? Leave a Halifax fixed rate mortgage review today. Together, we can help people like you make better financial decisions.

Halifax Fixed Rate Mortgage reviews (160)

Review of the Halifax, Fixed Rate Mortgage:

EXCEPTIONAL SERVICES FROM IAN DIXON

IAN DIXON IS AN EXCEPTIONAL MORTGAGE ADVISOR My mortgage advisor Ian Dixon was exceptional and professional. He is the best Advisor who went extra mile for our remortgate to go through and he was there for us when needed. Thank you so much Ian for the best services given to us during our remortgage time and I recommend Ian and Halifax to those who want to remortgage. Once again, thank you so much Ian for going beyond, please receive our heartfelt thanks Reviewed on: 25th April 2025

They haven’t just helped me but they have also helpe...

They haven’t just helped me but they have also helped my family Reviewed on: 23rd May 2024

Great app, helpful service.

Great app, helpful service. Various product ranges for mortgage Reviewed on: 12th April 2024

They provided our first mortgage and were fine

They provided our first mortgage. I didn’t find any part of their service to be remarkable one way or the other. Reviewed on: 2nd April 2024

We took out our first mortgage with Halifax and its...

We took out our first mortgage with Halifax and its been easy to manage. I love the HelloHome feature on the app that allows us to look at out estimated equity and track an overview of how much we owe each month. Reviewed on: 18th March 2024

Excellent service on every aspect on every aspect

Excellent service on every aspect. My fixed rate mortgage and current account thrive! Reviewed on: 29th February 2024

Brilliant bank...

Brilliant bank to have your mortgage with. Always helpful!! Reviewed on: 21st February 2024

Low interest rate with Halifax

I managed to get a low interest rate with Halifax Reviewed on: 16th February 2024

Overpaying on a mortgage is pointless

2 years into my 5 year fixed rate mortgage I receive a letter to say my monthly mortgage payment would decrease by £200. I didn't want to decrease how much I pay as it is already low. Halifax say it is because I made an authorised overpayment, which means the amount I pay monthly would need to be decreased in order for me to keep paying until I reach the end of the term of my mortgage (18 years). It makes no sense whatsoever. What is the point in giving customers the option to overpay every year by 10% only to then re-review your mortgage and decrease how much you pay back the following year? If you want to overpay the 10%, you will need to have your mortgage recalculated every year, which basically feels like you are reapplying for your mortgage as I have so far spent hours and hours trying to do this and still haven't managed to get it sorted. It's pretty obvious Halifax have this policy as a way of keeping customers in debt for as long as possible. Reviewed on: 12th January 2024

Changing contract in middle of fix term

Halifax decided to change the amount that is able to be paid 3 years in to a 5 year fixed term. There has been no notification of change and no acceptance of a change in contract. They said clearly on the call that they are only trying to get their grubby hands on more money from the account. Dispicable behaviour. Reviewed on: 13th October 2023

Maziyah butt Excellent mortgage advisor

My mortgage was not straight forward, i had to downsize because of debt but still needed a mortgage, Halifax & mortgage advisor Maziyah butt were brilliant, she is kind, patient, knowledgeable & nothing was to much trouble she made the process easy & helped me so much, so thankyou Maziyah Reviewed on: 27th September 2023

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