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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 Fixed Rate Mortgage reviews (162)

Review of the Halifax, Fixed Rate Mortgage:

Helpful with problems.

When I was havinga few difficulties,, the customer care team were very helpful and understanding. Was very pleasantly surprised. Very easy to talk to and put an anxious customer at ease. Reviewed on: 30th August 2016

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

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

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