Good4

84% of customers recommended from 280 ratings

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).

Compare Halifax Mortgages

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

Halifax 2 Year 1.74% Fixed + Cashback
0845 5089113
Maximum LTV
60%
Initial Rate
1.74% fixed
until 31 May 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.8% APR
Halifax 2 Year 4.79% Fixed + Cashback H2B Guarantee
Maximum LTV
95%
Initial Rate
4.79% fixed
until 30 Jun 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
4.5% APR
Available for first time buyers and via brokers only.
Halifax 2 Year BBR+0.74% + Cashback
Maximum LTV
60%
Initial Rate
1.24% tracker
until 30 Jun 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
Available for first time buyers and via brokers only.
Halifax 2 Year BBR+0.74%
0845 5089113
Maximum LTV
60%
Initial Rate
1.24% tracker
until 30 Jun 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
Available via brokers only.
Halifax 2 Year BBR+0.74% Remortgage
0845 5089113
Maximum LTV
60%
Initial Rate
1.24% tracker
until 30 Jun 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
Available for remortgage and via brokers only.
Halifax 2 Year 1.34% Fixed (L&G+others
Maximum LTV
60%
Initial Rate
1.34% fixed
until 30 Jun 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
Available via brokers only.
Halifax 2 Year 1.34% Fixed Remortgage (L&G+others
Maximum LTV
60%
Initial Rate
1.34% fixed
until 30 Jun 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
Available for remortgage and via brokers only.
Halifax 2 Year 1.39% Fixed + Cashback >£200K
Maximum LTV
60%
Initial Rate
1.39% fixed
until 30 Jun 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
Available for first time buyers and via brokers only.
Halifax 2 Year 1.39% Fixed >£200K
0845 5089113
Maximum LTV
60%
Initial Rate
1.39% fixed
until 30 Jun 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
Available via brokers only.
Halifax 2 Year 1.39% Fixed Remortgage >£200K
0845 5089113
Maximum LTV
60%
Initial Rate
1.39% fixed
until 30 Jun 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
Available for remortgage and via brokers only.
Halifax 2 Year 1.44% Fixed >£500k
0845 5089113
Maximum LTV
60%
Initial Rate
1.44% fixed
until 31 Jul 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 1.49% Fixed Interm >£300k
0845 5089113
Maximum LTV
60%
Initial Rate
1.49% fixed
until 31 Jul 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 1.50% Fixed (Mortgage Next+others)
Maximum LTV
60%
Initial Rate
1.5% fixed
until 30 Jun 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
Available via brokers only.
Halifax 2 Year 1.50% Fixed Remortgage (Mortgage Next+others)
Maximum LTV
60%
Initial Rate
1.5% fixed
until 30 Jun 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
Available for remortgage and via brokers only.
Halifax 2 Year 1.54% Fixed + Cashback
Maximum LTV
60%
Initial Rate
1.54% fixed
until 30 Jun 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
-
Available for first time buyers and via brokers only.
Halifax 2 Year 1.54% Fixed
0845 5089113
Maximum LTV
60%
Initial Rate
1.54% fixed
until 30 Jun 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.9%
Available via brokers only.
Halifax 2 Year 1.54% Fixed Remortgage
0845 5089113
Maximum LTV
60%
Initial Rate
1.54% fixed
until 30 Jun 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.8%
Available for remortgage and via brokers only.
Halifax 2 Year 1.59% Fixed + Cashback >£200k
0845 5089113
Maximum LTV
60%
Initial Rate
1.59% fixed
until 31 May 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.9% APR
Halifax 2 Year 1.59% Fixed Remortgage + Cashback
0845 5089113
Maximum LTV
60%
Initial Rate
1.59% fixed
until 31 May 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 1.59% Fixed Remortgage
0845 5089113
Maximum LTV
60%
Initial Rate
1.59% fixed
until 31 May 2017
Subsequent Rate
3.99%
Overall Cost for Comparison
3.8% APR
Available for remortgage only.

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Halifax Mortgages Reviews

Order:

Got a Halifax mortgage? Tell us about your experience because it will help others. Add a review.

Good experience with a dedicated mortgage advisor

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by sazzie

Since I have a shared equity mortgage Halifax was the only bank I knew of that offered that. Even still, my mortgage adviser was on the ball. She kept looking for the best deals for me and replied to all my emails really quickly and made my first step on the property ladder feel very easy. She also made the time to see me as I just dropped into the bank without an appointment so that made me feel valued.

by , 3 months ago report review

Quick and Easy Mortgage Set-Up

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by jessicawbath

It was really quick and easy to set up the first stage of our mortgage over the phone with the Halifax - we never once had to visit a branch, making everything very smooth. The payments go out monthly, and we've had no problems in the year or so that we've held this mortgage. I would like to manage it online, but I'm not sure if this is possible, and Halifax have never instructed me on how I can do this. I'd definitely recommend them, though, as they made the mortgaging process quick and painless!

by , 4 months ago report review

Halifax First Mortgage

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by kellyli9

They were very helpful in finding the product to suit myself and were there on hand to alter offers very quickly. The only problem was the days where the mortgage was actually going through and they weren't changing forms, we couldn't get hold of anybody and nobody was returning calls or explaining the situation to us. We then had to wait an extra week to move into the house thus losing money on vans that were hired and having less time to get things sorted. Upon the completion they did send out a nice little gift pack with a tool kit, bottle of wine and chocolates for getting a mortgage with them. I'm not too sure how you would compare it with other mortgages as it is my first but out of all the banks we went to to start they were the most willing to help find one to suit the situation that we needed, they had the most appointments to suit our times and were available by phone and email. The interest rates seem slightly high at the moment.

Availability of products for awkward situations

The lack of mortgage staff in the area to help

by , 4 months ago report review

In house customer service

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by swimfan

We haven't had to ring up Halifax, however the service we received when we first applied to get a mortgage was fantasic. Nationwide wouldn't re mortgage us, but Halifax never had a problem, they were there and laid every thing out in black and white. and we also got a little gift from them after we moved in, which was a nice little touch to do.

by , 4 months ago report review

Supportive customer service team

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by jen_lala

I have always gone for Fixed rate mortgage as I'm someone who likes to know that my mortgage payment will not change month to month. However this is a personal choice as I did not benefit from the low interest rates when they dropped for several year's as I was in a 5 year fixed, so be sure you can tie yourself in as rates can go up as well as down. Halifax have always been quite good at explaining your options as far as my experience is concerned. Also I did have a period when made redundant that I was struggling with my payments. I was very impressed with the consideration given and my mortgage payments were reduced to a more manageable amount for one year. I think all mortgage lenders should offer this but in my opinion some are better than others at truly considering your circumstances and needs. 10 out of 10 to Halifax who really helped me out at a difficult time in my life.

Good choice of products

by , 4 months ago report review

No nonesense mortgage

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by purefrosting

Not being as financially savvy or up on the lingo, the mortgage handler at Halifax had to talk through all the options available, making it clear what we were committing ourselves to. They highlighted the pros and cons of the different mortgages and listened to what we wanted to get out of it. and how we felt about paying for our mortgage. There was no hard sell, they listened and made things as clear as possible for us. This is our second mortgage with Halifax and they have given us no reason to go elsewhere.

by , 4 months ago report review

Expensive product fee for a two year fixed rate

Satisfactory

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

I feel that mortgage companies now take advantage of people, even people with a perfect mortgage payment history and excellent credit rating they still make it very expensive to buy their product . So you really just have to take what your offered, very expensive fee for a two year fixed rate mortgage, so I'm not very happy as to get another fixed rate at the end of this mortgage I will possibly have to pay another fee.

by , 4 months ago report review

Ok for mortgages

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by likewot

A financial advisor put us forward for a mortgage here, we have been very happy with the product and customer service. Had a few problems on my part which were quickly and efficiently dealt with. It was set up easily and paying each month by DD . Would recommend this company to have your mortgage with I really cantthink of anything else to say

by , 3 months ago report review

Halifax mortgage

Satisfactory

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

I'm still with the Halifax Plc because frankly I've no choice. Don't particulary like them at all. The staff are polite enough but just a big disinterested organisation in my view. One of the features of my mortgage is payment holidays but when I rang up they said I was in negative equity and couldn't avail of one. They had my home really under valued but wanted me to pay a fortune to have revalued! I needed a payment holiday so really I don't have a spare £4-500 lying about!

by , 4 months ago report review

very helpful always available

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by davidha10

I have been with the Halifax for over 20 years and seen some changes over that time there internet banking makes every thing available 24 7 hardly need to talk to them but when I do they are always very helpful and polite quickly getting me an answer to my question its nice to talk to a human and not some machine thanks

by , 4 months ago report review

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