Write a review

Halifax: Fixed Rate Mortgage reviews

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

View other Halifax products

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

Read all reviews See your review

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

Morgage

Good is some respects, not always easy to talk to the person you want. Reviewed on: 24th June 2020

Rubbish Service

Halifax are not providing a service. I am in a vulnerable situation, i have let you know and yet it makes no difference to your service. You are impossible to contact and everyone i speak to has a different update, not sure your staff are working in the correct departments. This poor service has been ongoing since March. Reviewed on: 5th June 2020

Borderline unethical. Terrible systems.

I was sold a '5 year fixed' deal, which wasn't - I am being charged thousands to 'early exit' even thought we've been here and never missed a payment for over 5 years. Their systems are archaic - I spent multiple hours on the phone and in branch as they couldn't bring my personal and mortgage accounts under the same umbrella, meaning I was locked out of viewing and managing my mortgage for weeks. They gave me around £100 for this, but it took about a day to sort and 3 weeks to implement. Avoid. Avoid. Avoid. Reviewed on: 26th May 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

Do you have a different Halifax product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Alternative products

Tracker Rate Mortgage
from NatWest 5.00 from 5 reviews
Mortgages
from Suffolk Building Society, formerly Ipswich Building Society 4.65 from 98 reviews
Mortgages
from Teachers Building Society 4.50 from 5 reviews

There's still more to see!

Halifax has a range of products available. Check the ratings of each product to find the right one for you. View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub