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Halifax: Fixed Rate Mortgage reviews

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

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3.83

Based on 162 reviews, last reviewed 13th Jun 2025

400% 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.

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Halifax Fixed Rate Mortgage reviews (162)

Good but not clear how to enter mortgage draw

As part of the mortgage, you get entered into a prize draw to have your mortgage paid off if you also have a current account. This is why i switched to the current account and it seemed that entry into the prize draw was automatic as there were never any instructions to advise otherwise. The marketing email made it seems like it was automatic once i opened a current account. A few months down the line, i get a marketing email telling me I have to manually register for the draw in the app and therefore I’d missed a a few months of being entered. They should have given these instructions as soon as I l opened my current account as I opened it due to the incentives halifax offered, one of which was the prize draw. Reviewed on: 4th April 2023

Great mortgage provider

I have two mortgages by Halifax and I’m really happy with them as service for getting and as a terms Reviewed on: 4th April 2023

Mortgage

Halifax helped me ny family to get a mortgage and thanks to their advice we managed to get the mortgage at the right and before the prices go up. We thank you Reviewed on: 3rd April 2023

Halifax mortgages

At the time of application, Halifax had the best interest rate for a 5 year mortgage. If, when it comes time to renew, they are still the cheapest, I’d happily stay with them. I can easily track my mortgage and pay into it early if I’d like to. Reviewed on: 30th March 2023

Useless

Halifax mortgages are absolutely useless. I have been waiting a month for statements to be posted and they refuse to email them to me. I remortgaged with them and due to a number of issues at their end I got about 25 letters advising me of different payment amounts and dates. I called to see what was going on and was given different stories each time. They didn't take the payment out when they should have (the money was in the account) and then sent me letters telling me I missed payments but it was all down to Halifax Reviewed on: 27th March 2023

Reliable bank for mortgage

Competitive rates. I have remortgaged with Halifax 3 times now. Reviewed on: 17th March 2023

Peace of mind

Able to budget with peace of mind Reviewed on: 14th March 2023

Good bank with good rates

We managed to get a good mortgage deal through Halifax, even though the interest rates at the moment are absolutely terrible. However, we had to get it through a mortgage broker. The mortgage advisor from the bank would offer us 6.79% fixed rate for 2 years, while through our mortgage broker we got the same product for 4.81%. Same product, same bank, but we had to pay £600 fees to our mortgage broker to get the deal. Reviewed on: 10th March 2023

Simple and doable

As a first time buyer our experience was simple and doable. Every step was clearly explained to us! We also have a joint account and the app is great. Reviewed on: 9th March 2023

Helpful

Caring honest bank genuinely looks out for you Reviewed on: 3rd March 2023

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