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Halifax: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.93 (157 reviews)

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3.79

Based on 157 reviews, last reviewed 10th Oct 2024

50% decrease in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

56%

18%

Latest highest rating:

5

I’d recommend Really helpful staff and easy to explain booklets to re-visit information that was discussed face to face. This allows me to recap information and tak... Read more Reviewed on: 10th October 2024

Latest lowest rating:

1

Useless untrained, unprofessional 2 months into our application and still no further than day 1. Delay after delay has been made by Halifax as they are using untrained inexperienced un... Read more Reviewed on: 5th September 2024

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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 (157)

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

Mindless drones!!!

I've had a nightmare experience with Halifax. I had a valuation done on a property, which you have to pay £200 for, other lenders do it for free. The valuation report was never signed off, which means we couldn't get the mortgage. It took 3 months of going back-and-forth, trying to satisfy their valuation company with the documents they needed. Every single one was rejected and the same scripted speech was given as a response each time. It was like being in an episode of Little Britain, "Computer says nooo!". The concern was around cladding, on a concrete building. They couldn't tell us where the cladding was, just wanted the developer to say it was safe. They rejected the letter saying it was safe, which was signed off by someone with the qualifications listed in their requirements of the letter. That was the last straw, it was impossible to get this mortgage, so I went with another lender and got the mortgage almost instantly. They robbed me of £200 and are refusing to refund it. They told me to contact the Financial Ombudsman Service and escalate it further if I wanted to. They don't care about you, they just don't care. They don't care about having you run around in circles trying to please them. They offer nothing but scripted spiel and cannot, simply, deviate from that script and tell you exactly what was wrong with what you gave them, when you feel like you have satisfied that scripted spiel. Mindless drones!!!! Reviewed on: 20th March 2020

Good new customer mortgages, terrible for existing customer.

Never go with halifax. They have a new policy of not wanting existing customers to stay with them. the mortgage rates they offer existing customers are the same as the standard variable rate. I presume this is to cover them from having to give existing customers the deals regardless of affordability. compare this to other companies that offer the same deals to new and existing. not what you would expect from reputable name which halifax clearly isnt any more. bye bye. you wont see my money again. Reviewed on: 24th February 2020

Easy to Set Up but not competitive

We have reached the end of our fixed deal with the Halifax and looked for another fixed deal product with the Halifax, however their rates are just not even close to other high street banks so although we love the service and the ease of setting up the mortgage, we will have to find another mortgage provider when our deal finishes. Reviewed on: 9th February 2020

Mis-sold by the mortgage advisor

The Halifax mortgage advisor kept a crucial detail from us, when we found out about it, a couple of days after completion, we called to tell Halifax we would like to remortgage with another bank, however, we were told the cooling-off period starts from the offer acceptance and not from completion and if we go ahead we would have to pay the early exit fees. Reviewed on: 14th January 2020

Good

Nothing specific but for shared ownership mortgage this was only option I had Reviewed on: 23rd December 2019

Don't Grow Old with Halifax

Been a loyal mortgagee of Halifax for more than 10 years. My deal is coming to an end, so contacted them for a NEW DEAL - THEY SAID NO. Their deals last 2 years 3 months - my O/S mortgage is 2 years 2 months. They didn't offer a new mortgage for a further month - JUST SAID NO! So loyalty counts for nothing with Halifax, nor does being old as they refused to extend my mortgage (I am coming 65). The person who I spoke with did make a further comment regarding my outstanding mortgage and I quote "WE WOULD PREFER IT IF YOU REPAID YOUR MORTGAGE NOW RATHER THAN WAIT 2 YEARS" - Nice to be appreciated by a friendly, caring bank - NOT So a word of warning to everybody out there, that's getting old - Don't grow old with Halifax Reviewed on: 4th December 2019

quick and easy mortgauge

Very quick mortgage promise then application all done within 2 weeks! Reviewed on: 25th November 2019

Easy first time

We purchased a mortgage from Halifax at the ripe old age of 51 - no problems, no hassle no hard sell, a great rate, help at the end of the phone - no problems Reviewed on: 20th November 2019

Worst bank for a mortgage

I dont usually write reviews but Halifax have really screwed us over. We were due to complete our house today and move in but last minute Halifax said they did not receive our solicitors letter. This was at 9am and followed by 4 hours of calls and 2 hours of being on hold only to find out that it was actually too late for them to send a confirmation email on a Friday. Now we have no home and nowhere to live until Tuesday. This is the worst bank I have ever dealt with. Do not get your mortgage with Halifax, go anywhere else. The staff are really inefficient and really unhelpful and you will spend hours trying to get hold of someone on the phone only realise it was a total waste of time. Reviewed on: 27th September 2019

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