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Halifax: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.95 (162 reviews)

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3.84

Based on 162 reviews, last reviewed 13th Jun 2025

300% 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

Halifax Mortgage Just re-mortgaged with Halifax, spoke to a broker first to get market rates and was going to proceed down this route but Halifax were only marginally ... Read more Reviewed on: 13th June 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 (162)

Review of the Halifax, Fixed Rate Mortgage:

Halifax fixed rate mortgages offer a competitive sel...

Halifax fixed rate mortgages offer a competitive selection of options that cater to various financial needs. I found their rates to be reasonable, making home financing more accessible. The standout aspect of my experience was the exceptional customer service; the staff were knowledgeable, friendly, and always ready to assist with any inquiries. Overall, I would highly recommend Halifax for anyone considering a fixed rate mortgage. Reviewed on: 24th August 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

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

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