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Halifax: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.93 (159 reviews)

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3.78

Based on 159 reviews, last reviewed 23rd Apr 2025

No new 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

Great value for money with a great independent... Great value for money with a great independent Mortgage company set up Halifax fixed rate Reviewed on: 23rd 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 (159)

Review of the Halifax, Fixed Rate Mortgage:

Easy to change

Rate was up so enquired about a new rate. So easy to do, paperwork easy to understand. Brill Reviewed on: 8th November 2018

Extremely untrustworthy

Do not even apply for a mortgage with these extremely unprofessional individuals. Initially I was told that they would lend me £125,000 for the mortgage and gave an AIP. Next they said they'd only loan me £99,000 because I spent £3000 to book a holiday on my credit card (which is what sound minded people do for insurance). Next day they told me that they could loan me somewhere between £119,000 and £135,000 with the full and same details i gave them again. Two days later, after sending my application to an underwriter, they saidnthey could only lend me £113,000 and specifically stated that this as because I had booked my holiday in my credit card DESPITE me paying it off days later. Utterly vile individuals. How is that junk bank still in operation. Managed by idiots. Reviewed on: 14th September 2023

Really poor customer service

It is incredible how bad their customer service is. They are literally useless. Everything has to go through a broker, the person on the phone was completely unable to assist with even the most basic questions. Reviewed on: 1st September 2023

Very helpful and friendly

Not feeling of getting forced into buying or renewing policy of home mortgage with them. Always a great experience Reviewed on: 31st August 2023

Mortgage

Easy to use did it all on line ……. Reviewed on: 20th August 2023

Great rates and easy to use

Offered us great rates when times were tough and have been very easy to use. Easy to get in contact with the right person when needed Reviewed on: 14th August 2023

One of the only ones that would do a one year self employed mortgage

Made me feel valued. Easy process. Great rate and competitive despite being an non standard customer. Reviewed on: 28th June 2023

Brilliant service and product

Renewed my fixed rate mortgage and the man looking after my case could not have been more helpful - so glad I called to get everything sorted! Reviewed on: 2nd June 2023

Helpful product, easy to understand

Simple mortgage product that’s clearly explained. If ever there’s a question, the terms and conditions are clear and can usually find the answer there. Friendly staff on the phone when I’ve had to call as well. Reviewed on: 31st May 2023

Renewed

I took out my original mortgage with Halifax and they were amazing for the period of the fixed term and then we went onto a variable rate…ugh crippled. And I left this for so long because I didn’t want to call (silly anxiety) eventually I did and honest to god it was the easiest longest phone call I have ever made and I came away better off than I was before! I kick myself for leaving it so long but hey ho maybe I wouldn’t have gotten such a good deal had I done it sooner, silver linings and all that! The woman I spoke to there was amazing and so friendly, I left feedback at the time but honestly I’d recommend them based on their customer service alone. Reviewed on: 11th April 2023

Easy to renew mortgage

Our fixed rate was coming to an end in December, but I was able to obtain a competitive rate 3 months early through the Halifax app which beat what my broker was able to find from a whole of market search. Never had a problem with customer service, overpayments easy to start and stop as needed. Reviewed on: 11th April 2023

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