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Halifax: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.94 (160 reviews)

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3.82

Based on 160 reviews, last reviewed 25th Apr 2025

100% 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

EXCEPTIONAL SERVICES FROM IAN DIXON IAN DIXON IS AN EXCEPTIONAL MORTGAGE ADVISOR My mortgage advisor Ian Dixon was exceptional and professional. He is the best Advisor who went extra m... Read more Reviewed on: 25th 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 (160)

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

Terrible people

Banked with them 20 years and wouldn’t help me one little bit. Offered me an AIP for 161k then when we went to branch offered me 112k! Zero debts and good background. Horrid people and terrible bank. Closing all my accounts with them ASAP. Avoid them :( Reviewed on: 21st October 2021

Solid lender with good rates

Was able to secure a good 5 year fixed rate. Not really had to interact as I always pay on time. Will probably remortgage with them again if their rates are competitive in 2024. Reviewed on: 17th June 2021

Helpful and honest

Banked with Halifax for long time so was obvious choice for my mortgage Reviewed on: 20th March 2021

Always had a good deal

Would always go halifax if i could morgage credit card great customer care and 24 hr telephone bank support Reviewed on: 17th February 2021

Deceiving plans and patronizing costumer support

When initially sign up they will say "anything" to make you sign up even if you have concerns. but when these concerns later come up, if you signed the customer service will then laugh down the phone at you. not professional and deceiving. be careful before you sign anything from these guys Reviewed on: 2nd February 2021

Awful - Greedy Banker *anker

Horrific company, even you have 50% deposit on a new home, halifax still wouldnt let you port and brrow. Worst thing is that before you sell to buy, they tell you they will lend to you to put you in motion for 2 sets of legal work, then when you are close to completion for both they pull the plug on you to force you to pay the early repayment charge, they make sure you cannot go forward and backwards to trap you in. Reviewed on: 10th December 2020

covid computer says no

terrible company that fails to treat customers fairly .... even if you can prove your earnings / commission they only take 30% of it into account and tar everybody with the covid brush even if you can prove you havnt been affected by it - terrible company to deal with Reviewed on: 9th December 2020

Halifax makes it IMPOSSIBLE to redeem your mortgage- you can never leave!!!!

By far the WORST WORST WORST company I’ve ever dealt with. 2hrs 30 mins on the phone, nothing whatsoever resolved. Complete incompetence- can anyone believe Halifax can’t actually send emails. They haven’t ‘got the faculty’ to email urgent documents to anyone, even if it means they will be ruining a sale from going through and ruining their chance to get redeemed FOR THE SECOND TIME!!! Halifax makes it IMPOSSIBLE to have their mortgage redeemed. So much red tape in place and incompetence that they literally ruin sales from going through so that there is NO WAY to ever redeem your mortgage to them !!! Wow, horrified, in shock! Don’t get a mortgage with Halifax, unless it’s too late for you, as it sadly is for me! Reviewed on: 2nd October 2020

Will not allow you to port your mortgage and penalise you fir trying to leave.

With the current situation banks have reduced lending And Arne asking for a 15% deposit, even though the Government has tried to help the housing market by stamp duty break. Most banks will provide existing customers along with first time buyers a mortgage with a 10% deposit. So if you are with the halifax as an existing mortgage customer and you took out a mortgage 2 years ago with a 5 year fixed rate and you want to move. A mortgage of £300000 would mean you would be ok with £30000 deposit. Beau asked of their greed they now want £45,000 deposit and if you have not got the additional £15,000 you can not port your mortgage so to move home you have no choice but to find another lender and pay a penalty for not staying with the Halifax. So either find another £15,000 before the stamp duty dead line in March or pay the Halifax over £5000 to be able to move now.. Won’t allow you to port your mortgage and penalise you fir trying to leave. Reviewed on: 18th September 2020

Very helpful

Helpful staff gave good information about mortgage product and how to overpay. Easily set up extra payments with no hassle. Reviewed on: 11th July 2020

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