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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:

Poor admin

Very poor admin- didn't change addresses or surnames when requested, despite Branch Manager confirming they had completed it - twice! Reviewed on: 30th April 2020

Helpful, good app, convenient

Easy to manage on the app, helpful customer service and would recommend!! Fantastic rate, would use again! Reviewed on: 23rd February 2023

Good mortgage provider

Good provider, even hand delivered a welcome present the day we moved in. Reviewed on: 22nd February 2023

Brilliant

Quick, easy to arrange! They helped through every stage of the process and were eager to get it over the line Reviewed on: 22nd February 2023

Great company!

Really competitive, best APR rates on the market. Mortgage advisors are really knowledgeable! Reviewed on: 22nd February 2023

Excellent service

Friendly staff, competitive rates and instant replies from the customer service line Reviewed on: 1st February 2023

I've been with the Halifax branch for years .

I have a visa card also a mortgage with the halifax branch. I've been with them for years now it's a very good company i'm pleased with the service i've received so far. I also do online banking so i can keep an eye on my money. you can also called them anytime to discuss anything the customer service is brilliant. I just applied for a mortgage holiday for a couple of months they were so understanding and helpful. Reviewed on: 13th January 2023

Mortgage

I like it and ready to help always Reviewed on: 13th January 2023

Excellent customer service

Setting up our mortgage with Halifax was hassle-free and we were guided through the process by such helpful advisors. We have even been entered into an ongoing monthly giveaway to have your mortgage paid off just for setting up the account! Reviewed on: 12th January 2023

They Lost my ID and didn't admit it until we followed up

In the stages of verifying my identity, they lost my ID and didn't admit it until we followed up several times. They did offer compensation, but it wasn't even close to being enough to compensate for the time it took us to fix their mistake. This caused us a month delay and put us in a worse negociating position with the sellers of the house. Reviewed on: 21st July 2022

Wretched service, liars!

We started looking for houses only after we spoke to mortgage brokers at Halifax and received the letter of principle. We found our dream house (much below the threshold set by Halifax), had hours of discussions with Halifax and then hired the attorneys and others to process the buy. Halifax even deducted the mortgage plan charges etc from our account, but a few days later Halifax cancelled our mortgage application with no reason specified whatsoever. Absolutely none given! We lost the money we had paid to the attorneys and for services likes checks and valuation. Forget the loss of face in front of my agent and the buyer, I now sit with a lower credit score because Halifax & others had already run several credit checks. Very unprofessional service was delivered to us, believing their representatives will be the BIGGEST MISTAKE you will commit in your life. I will be moving my accounts out of Halifax and will also socialise this blunder to my friends so that no other wannabe house buyer suffers due to their incompetence. Reviewed on: 14th July 2022

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