from 221 ratings
221 customers rated their Halifax mortgages as 4 out of 5 in our Consumer Finance Awards and Reviews.
Customer Service
Flexibility & Fairness
Product Features
Value For Money
Halifax offers residential mortgages to UK residents in branches across the UK, over the phone and online. Halifax is the trade name of Bank of Scotland plc, which is part of the Lloyds Banking Group. They are regulated and authorised by both the Financial Conduct Authority (FCA) and Prudential Regulation Authority (PRA) under the registration number of 169628. Halifax mortgages fall within the remit of the Financial Compensation Scheme (FSCS).

Your home may be repossessed if you do not keep up repayments on your mortgage.

Halifax 2 Year 1.84% Fixed >£200k
0845 5089113
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.84% fixed
until 28 Feb 2017
3.99%3.9% APR
Halifax 2 Year 1.84% Fixed >£300K
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.84% fixed
until 31 Jan 2017
3.99%-
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website. Available via brokers only.
Halifax 2 Year 1.89% Fixed Remortgage + Cashback
0845 5089113
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.89% fixed
until 28 Feb 2017
3.99%3.8% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website. Available for remortgage only.
Halifax 2 Year 1.89% Fixed Remortgage
0845 5089113
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.89% fixed
until 28 Feb 2017
3.99%3.8% APR
Available for remortgage only.
Halifax 2 Year 1.94% Fixed >£150k
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.94% fixed
until 31 Jan 2017
3.99%-
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website. Available via brokers only.
Halifax 2 Year 1.99% Fixed >£500K
0845 5089113
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.99% fixed
until 31 Jan 2017
3.99%3.7% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Halifax 2 Year 2.04% Fixed >£200k
0845 5089113
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
75%2.04% fixed
until 28 Feb 2017
3.99%4.0% APR
Halifax 2 Year 2.04% Fixed + Cashback >£200k
0845 5089113
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
75%2.04% fixed
until 28 Feb 2017
3.99%4.0% APR
Available for first time buyers only.
Halifax 2 Year 2.04% Fixed >£300K
0845 5089113
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%2.04% fixed
until 31 Jan 2017
3.99%3.7% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Halifax 2 Year 2.09% Fixed Remortgage + Cashback
0845 5089113
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%2.09% fixed
until 28 Feb 2017
3.99%3.7% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website. Available for remortgage only.
Halifax 2 Year 2.09% Fixed Remortgage
0845 5089113
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%2.09% fixed
until 28 Feb 2017
3.99%3.7% APR
Available for remortgage only.
Halifax 2 Year 2.09% Fixed Remortgage + Cashback
0845 5089113
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
75%2.09% fixed
until 28 Feb 2017
3.99%3.9% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website. Available for remortgage only.
Halifax 2 Year 2.09% Fixed Remortgage
0845 5089113
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
75%2.09% fixed
until 28 Feb 2017
3.99%3.9% APR
Available for remortgage only.
Halifax 2 Year 2.14% Fixed + Cashback
0845 5089113
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%2.14% fixed
until 28 Feb 2017
3.99%3.8% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.
Halifax 2 Year 2.14% Fixed
0845 5089113
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%2.14% fixed
until 28 Feb 2017
3.99%3.8% APR
Halifax 2 Year 2.14% Fixed + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%2.14% fixed
until 28 Feb 2017
3.99%3.8% APR
Available for first time buyers only.
Halifax 2 Year 2.14% Fixed + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%2.14% fixed
until 28 Feb 2017
3.99%3.8% APR
Available for first time buyers and for existing customers only. Such mortgages might not be listed on the lender's website.
Halifax 2 Year 2.14% Fixed >£150k
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%2.14% fixed
until 31 Jan 2017
3.99%3.7% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Halifax 2 Year 2.14% Fixed No Fee >£150k
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%2.14% fixed
until 31 Jan 2017
3.99%-
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website. Available via brokers only.
Halifax 2 Year 2.14% Fixed >£150k
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
75%2.14% fixed
until 31 Jan 2017
3.99%-
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website. Available via brokers only.

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Halifax Mortgages Reviews

Halifax, a mortgage made easy

by colinso80, 3 days ago
Security, dependability, communications
Recommended by colinso80

took out a Halifax endowment mortgage 24 years ago ( 1 year to go, hurrah). They are the biggest and therefore the most dependable mortgage provider so choosing them was about security and dependability. Over the years staff have been very helpful, we have always received up to date and accurate information about our mortgage and , all in all, apart from paying money every month its all been rather boringly straighforward.

Customer Service:
Good, I'm happy
Flexibility & Fairness:
Good, I'm happy
Product Features:
Good, I'm happy
Value For Money:
Good, I'm happy


Residential mortgage

by mikebl, 3 days ago
Attractive deals
Recommended by mikebl

I've been with the halifax for seven years now, recently signing up for another 2 year fixed deal.
I always scour the internet for the best deal and combined with a fairly good interest rate, the halifax has no charges or fees for people who remortgage. This put the halifax at the top of the heap for bargain mortgages. Customer service is of a good standard so all in all I would definitely recommend .

Customer Service:
Average, could be better
Flexibility & Fairness:
Average, could be better
Product Features:
Good, I'm happy
Value For Money:
Good, I'm happy


Halifax Variable Mortgage

by pke001, 1 week ago
Excellent customer service
Fees are charged for letters and phonecalls
Recommended by pke001

I have been with the Halifax mortgage company for many years now. Overall I am happy with the customer service as they are always very helpful when I phone up with a query. Furthermore the few times I have been in financial difficulty they have been excellent and very flexible about allowing me to underpay for that month or giving me a few weeks grace to make the payment. I found the product by going into a Halifax store and having a meeting with a mortgage advisor and I would definitely recommend them to anyone.

Customer Service:
Excellent
Flexibility & Fairness:
Good, I'm happy
Product Features:
Average, could be better
Value For Money:
Average, could be better


A Flexible Mortgage experience

by paulaby23, 1 week ago
Affordability and flexibility
Recommended by paulaby23

Halifax offered me a mortgage when I purchased my property and was found by my financial adviser at the time, affiliated to the estate agents. They were prompt and efficient with all the requirements regarding survey and were happy to proceed. I've had no problems with them since, they always send me an annual review, and it's been easy to change products within the fixed term plan. It's an interest free only mortgage, but I can pay more if I'm able.

Customer Service:
Good, I'm happy
Flexibility & Fairness:
Good, I'm happy
Product Features:
Good, I'm happy
Value For Money:
Good, I'm happy


good mortgage product

by carlaff, 1 week ago
Recommended by carlaff

needed to cover more than 2 acres of land as we have a smallholding in a rural location, HAlifax happy to do, others would only cover the first two acres and value the property based only on this land pushing up the LTV ration and the % charged. Also there were no charges to move the mortgage to a new deal when the original rate expired and very straightforward process

Customer Service:
Good, I'm happy
Flexibility & Fairness:
Good, I'm happy
Product Features:
Average, could be better
Value For Money:
Average, could be better


Halifax does have that Extra Factor, they don't want to disappoint you so they workto sati

by praful, 1 week ago
helpful, understanding,
it is a long process "Time"
Recommended by praful

It was long time ago that me & my son went to see them for Flat buying mortgage and they went through every details so that you understood the process and specifically what they can do if you fell on hard times .
The customer service was excellent and found advise very helpful.
They don't want to disappoint you so they work around your needs to satisfactorily conclude your application

Customer Service:
Excellent
Flexibility & Fairness:
Excellent
Product Features:
Excellent
Value For Money:
Excellent


Halifax new build mortgage

by NickT, 1 week ago
easy to set up
expensive arrangement fees

Not really an accurate review as this was the only mortgage we could get as our house was a new build and we needed to get a mortgage offer that would last for 10 months. We were told it would last for a year as it was a special arrangement they had with Taylor Wimpey. But after paying a £1000 arrangement fee and 1 month before completion that mortgage was no longer available. We had to pay another £500 arrangement fee taking the total to £1500 or lose our £30,000 deposit

Customer Service:
Average, could be better
Flexibility & Fairness:
Poor, could be greatly improved
Product Features:
Poor, could be greatly improved
Value For Money:
Average, could be better


Hassle free Halifax mortgage

by sadietov, 1 week ago
High street branches
Recommended by sadietov

Very good customer service,

no junk mail or sales calls relating to there other products

Although our Financial advisor found this deal for us and although this was the only option at the time, I have recently reviewed other deals this is still very competitive

They review there customers products to make sure they are suitable and are easy to get hold if as you can go to any high street branch

They have a great and varied selection of mortgage offers, I would definitely recommend Halifax mortgages to my friends and family

Customer Service:
Good, I'm happy
Flexibility & Fairness:
Good, I'm happy
Product Features:
Good, I'm happy
Value For Money:
Good, I'm happy


Halifax Mortgage Review

by djames, 1 week ago
Recommended by djames

I have had mainly positive experiences with Halifax, how ever there was one situation when I was selling a previous house and transferring the mortgage to another property. I was due to be paid some money and I didn't receive as much as I was told I would. The guy who was dealing with it tried to talk his way out of it but he basically made a mistake, which was unfortunate. This is the only issue I have ever had though and when ever I go into branch they are friendly and professional. Same applies to the 2 dealings I have had over the phone. I also had dealings with someone about having a loan, which was to be added to make mortgage and this went smoothly and clear information was given.

Customer Service:
Good, I'm happy
Flexibility & Fairness:
Good, I'm happy
Product Features:
Good, I'm happy
Value For Money:
Excellent


Halifax Mortgages

by jamesf3, 1 week ago
Customer friendly staff
Long time it took to arrange interviews
Recommended by jamesf3

Very friendly & helpful staff both times we have used their services. Products are very competitive to which we were introduced to during a 1 to 1 interview. We then went away to think things through before returning for another interview before taking up the offer. Staff were great (tolerating our kids tearing the place up), great online interface to keep up with the mortgage account & overall very happy. Will be back in a couple of years to consolidate the products we have without a doubt.

Customer Service:
Excellent
Flexibility & Fairness:
Good, I'm happy
Product Features:
Good, I'm happy
Value For Money:
Good, I'm happy


Mortgage Lenders