from 280 ratings
280 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 1.74% Fixed >£200k
0845 5089113
Maximum LTV
60%
Initial Rate
1.74% fixed
until 28 Feb 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.9% APR
Halifax 2 Year 1.74% Fixed >£200k
Maximum LTV
60%
Initial Rate
1.74% fixed
until 28 Feb 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.9% APR
Available for first time buyers only.
Halifax 2 Year 1.79% Fixed (PinkARs+ others)
Maximum LTV
60%
Initial Rate
1.79% fixed
until 31 Mar 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
Available via brokers only.
Halifax 2 Year 1.79% Fixed Remortgage (PinkARs+ others)
Maximum LTV
60%
Initial Rate
1.79% fixed
until 31 Mar 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
Available for remortgage and via brokers only.
Halifax 2 Year 1.79% Fixed (L&G + others)
Maximum LTV
60%
Initial Rate
1.79% fixed
until 31 Mar 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
Available via brokers only.
Halifax 2 Year 1.79% Fixed Remortgage (L&G + others)
Maximum LTV
60%
Initial Rate
1.79% fixed
until 31 Mar 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
Available for remortgage and via brokers only.
Halifax 2 Year 1.84% Fixed >£300K
Maximum LTV
60%
Initial Rate
1.84% fixed
until 30 Apr 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
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 LTV
60%
Initial Rate
1.89% fixed
until 28 Feb 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
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 LTV
60%
Initial Rate
1.89% fixed
until 28 Feb 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.8% APR
Available for remortgage only.
Halifax 2 Year 1.94% Fixed >£150k
Maximum LTV
60%
Initial Rate
1.94% fixed
until 30 Apr 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
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 LTV
60%
Initial Rate
1.99% fixed
until 30 Apr 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.7% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Halifax 2 Year 1.99% Fixed
Maximum LTV
60%
Initial Rate
1.99% fixed
until 28 Feb 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.8% APR
Available for first time buyers only.
Halifax 2 Year 1.99% Fixed + Cashback
Maximum LTV
60%
Initial Rate
1.99% fixed
until 28 Feb 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
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 2.04% Fixed
0845 5089113
Maximum LTV
60%
Initial Rate
2.04% fixed
until 28 Feb 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.8% APR
Halifax 2 Year 2.04% Fixed + Cashback
0845 5089113
Maximum LTV
60%
Initial Rate
2.04% fixed
until 28 Feb 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.8% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.
Halifax 2 Year 2.04% Fixed >£300K
0845 5089113
Maximum LTV
60%
Initial Rate
2.04% fixed
until 30 Apr 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
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 LTV
60%
Initial Rate
2.09% fixed
until 28 Feb 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
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 LTV
60%
Initial Rate
2.09% fixed
until 28 Feb 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.7% APR
Available for remortgage only.
Halifax 2 Year 2.09% Fixed Remortgage + Cashback
0845 5089113
Maximum LTV
75%
Initial Rate
2.09% fixed
until 28 Feb 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
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 LTV
75%
Initial Rate
2.09% fixed
until 28 Feb 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.9% APR
Available for remortgage only.

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Halifax Mortgages Reviews

First time buyers

by victo29, 3 weeks ago
Helped us get on the property ladder
Not sure on any extras
Recommended by victo29

Halifax help you out if they can. We have been offered good rates. Great for first time buyers and they can find the best plan to suit you. They are flexible on the deposit you have to offer which helped us out immensely and helped us onto the property ladder when other companies refused. They came up with a solution to cut down outgoings and create a greater deposit by asking the seller to gift us part of our deposit.

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


First time buyers

by Em89, 3 weeks ago
Helped us get on the property ladder
Not sure on any extras
Recommended by Em89

Halifax help you out if they can. We have been offered good rates. Great for first time buyers and they can find the best plan to suit you. They are flexible on the deposit you have to offer which helped us out immensely and helped us onto the property ladder when other companies refused. They came up with a solution to cut down outgoings and create a greater deposit by asking the seller to gift us part of our deposit.

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


Good Mortgage Rate

by ramp75, 1 month ago
Nice people to deal with
It would be good if they used 0800 number to call them
Recommended by ramp75

Good service with Halifax every time. They make every effort to get to know you on a personal level and not treat you as just another customer. If they make a mistake, they admit it and also compensate you accordingly. They always give a service with a smile and that is rare these days.

I would not hesitate to recommend anyone to change their provider to Halifax.

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


A Flexible Mortgage experience

by paulaby23, 1 month 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


Hassle free Halifax mortgage

by sadietov, 1 month 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


Ease of applying

by Parkola, 2 months ago
Recommended by Parkola

The application was all done over the telephone on a Saturday morning. It took approximately 45 minutes to complete, then the paperwork was sent for signatures. The whole process took around 3 weeks. Customer service was excellent. I have been contacted on a regular basis to see if they can be of any further assistance, and I obtain a yearly paper statement showing the amounts paid and the balance outstanding.

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


Mortgage for life.

by Bluebunny, 2 months ago
Good customer service
Confusing levels of interest rates.
Recommended by Bluebunny

In my experience, the Halifax is a company that once having secured a mortgage with them, one tends to stay with them. Their interest rates are confusing - although that might just be my own lack of insight into how this works. The customer service team is always helpful and tries to work with you to arrange affordable payments. I believe them to be a reputable and trustworthy company generally.

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 mortgages

by nashy1, 2 months ago
No problems with customer service or communication
Not flexible with self employed

Company seems okay when dealing with over the phone. When moving had to have a full review again even though the mortgage was not increasing and mortgage was denied due to other half now being self employed and not having 3 years of accounts. We had to change provider which ended up being cheaper so glad in the end. I think the reason for the strict changes are probably more down to tighter regulation than the company.

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


Could not be happier

by Trigger8186, 2 months ago
Great customer care and services
Recommended by Trigger8186

Halifax gave us a mortgage despite my partner being previously made bankrupt, we lived in a right to buy property and our only deposit was the positive equity in the discount given to us within our right to buy. The balance of the mortgage is displayed on my partners on-line banking which is really quite useful (although scary at the same time). We are able to pay up to 10% extra each year at no extra charge, which others mortgage lenders charge for. And to top it all off, once we had made our first payment we received a welcome package with chocolates, wine and a few little housework extras which was nice.

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


No problems with the Halifax

by jewishlady, 2 months ago
Recommended by jewishlady

I've had a mortgage with the Halifax for over 30 years now.

I haven't had many dealings with them over the years. When I have, they have been very helpful and given the advice I needed. I think they are quite competitive with other mortgage providers. I've never had a problem with them to date and would recommend them on that basis.

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


Mortgage Lenders