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Halifax: Fixed Rate Mortgage 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
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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
Rob's avatar
Rob

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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Tricia S
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Halifax Fixed Rate Mortgage reviews (162)

Excellent customer service

5
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
Tany2's avatar
Tany2

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

1
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
Bobby's avatar
Bobby

Wretched service, liars!

1
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
Vinay Murthy's avatar
Vinay Murthy

Inefficient Mortgage Advisors

1
Avoid these guys for mortgage, the approval in principal letter Halifax provides is crap and never trust it. They got our hopes high and finally even without giving a proper reason they cancelled our loan application. We lost around £1000 because their inefficient service. Reviewed on: 6th July 2022
N.Nanditha Urs's avatar
N.Nanditha Urs

Dont know there own policy not for the disabled

1
Got an agreement in principle from them and phoned to make sure it was right as we have a weird situation of being full time carers to our disabled kids. Was told they would accept all benefits and great we had a large deposit. Long story short after 3 months of looking for a property and being told we can lend you more than you need. They now say we can’t lend to you. Apparently to risky as our kids are disabled and could die and we wouldn’t be able to pay mortgage even though I told them kids have autism , no life limiting conditions. No interest in helping. Only an apology for the staff not knowing they won’t accept the disabled. They should just say online go away you don’t matter. It would be much easier. Reviewed on: 7th June 2022
Asdparents 's avatar
Asdparents

mis sold mortgage

1
Told us we could let our house and still re negotiate a fixed deal. Later changed their minds. Cost me about £2000, the response was , you shouldnt have listened to our advisor and should have read the fine print. nice Reviewed on: 13th April 2022
Alex Select's avatar
Alex Select

Heartless customer service.

1
Been with bank for 20 years an never missed a payment. Recently told have throat cancer so went on to sick pay whilst undergoing treatment. Asked bank for help with payment holiday whilst on sickpay..bank refused point blank telling me to go speak to a debt advisor. Heartless policies that go totally against Halifax adverts... "for the up and the downs in life...and every thing inbetween". Could not be further from the truth, happy to take your money but turn their back when you ask for help. Disgusting policies and principles hiding behind glossy adverts. Please avoid. Reviewed on: 4th April 2022
Jonathan Hancocks's avatar
Jonathan Hancocks

Transparent Information

5
I always feel like I trust Halifax, I have been with them for years Reviewed on: 4th April 2022
MothGirl's avatar
MothGirl

Perfect

5
Very supportive staff, always on hand for advice, explained everything and gave me a very reasonable mortgage. Reviewed on: 31st March 2022
Vinnymiff's avatar
Vinnymiff

Excellent customer service

5
The whole experience of transferring our mortgage was so simple and bagged a great fixed rate too! Love the app for tracking it too Reviewed on: 12th January 2022
Elizabeth 's avatar
Elizabeth

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