Mortgage lender reviews: Halifax mortgage review


Customer score

12th out of 25 mortgage lenders


Halifax mortgage review

Halifax is the UK's largest mortgage provider and specialises predominantly in fixed-rate mortgages, but also sells some tracker deals. Its customers rate its service as satisfactory in most areas but mark it down when it comes to dealing with complaints. It receives an overall customer score of 62%.

Halifax mortgage highlights

  • Fee-free deals available
  • Some cashback deals
  • Part of the Help to Buy mortgage guarantee scheme

For impartial, personal advice on the best mortgage for you, call Which? Mortgage Advisers on 0808 252 7987.

Halifax mortgage satisfaction scorecard
Customer service 
Application process 
Value for money 
Keeping you well informed 
Clarity of statements 
Transparency of charges 
Query and complaint handling 
Ability to over and underpay mortgage 

Table notes:

  • Star ratings out of five show levels of satisfaction for each category. Where no stars are showing, it means we could not get a large enough sample size to rate this aspect of the service.

What Halifax's mortgage customers say about it

'A good, solid, all-round provider with no fuss or extras.'

'Bad customer service.'

'All good - let us take a payment holiday when we needed it.'

'Would prefer my interest rate to be a bit lower.'

'They are generally competitive.'

'They do or have done what they said they would, nothing beyond that.'

'They are a big brand - I can deal with them in many different ways, and if things go sour, they do listen!'

'Their statements are confusing and they are not user friendly.'

'The rates are fair and the service is good.'

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

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.