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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:

A reliable service

I took out a mortgage with Halifax as I have previously used their services and think that they offer good incentives for FTBs. I am happy with the product we took out and hope to secure a good deal with them again. Reviewed on: 15th November 2016

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

Quick and easy to get a suitable mortgage, proactive communication from their side throughout!

Quick and easy to get a suitable mortgage, proactive communication from their side throughout! Reviewed on: 10th April 2023

Good rate

Good rate whilst it lasted. Shame can’t get something similar today. Reviewed on: 7th April 2023

Great Five Year fixed rate

Great product, re-mortgaged five year fixed rate, great rate, easy to arrange and can view it on banking app and make overpayments. Reviewed on: 6th April 2023

Great mortgage product

Great mortgage product, clear information provided and an easy to use app Reviewed on: 6th April 2023

Easy Mortgage

We have had our mortgage for 2 years with Halifax and hope to remortgage with them in 3 years time. The app is great and info provided is great too. Reviewed on: 5th April 2023

Fantastic

My mortgage payments were due to go up but Halifax online services found me a 3 year fixed rate that was cheaper than what I am currently paying. It was all signed and agreed online and only took a few minutes. Fantastic service! Reviewed on: 5th April 2023

Best rates in the market

Not much to say, when looking for a mortgage, they always had the best rates in the market. The app is comprehensible and you can manage everything there. No need to have a bank account with them. Reviewed on: 5th April 2023

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