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Halifax mortgage review

Our Halifax mortgage review combines customer feedback with expert deal analysis to reveal whether the lender is worth considering next time you apply for a mortgage.

In this article
Halifax mortgages customer ratings What kinds of mortgages does Halifax offer? Does Halifax offer the best mortgage deals? Interest rates on Halifax mortgages
How much could I borrow from Halifax? Can I make overpayments? How can I contact Halifax?

Halifax mortgages customer ratings

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Halifax review
Which? Customer Score
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71%
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Halifax is one of the UK's biggest mortgage lenders. It is part of Lloyds Banking Group, which owns brands such as Lloyds Bank, Bank of Scotland and Scottish Widows. 

See the table below to find out how Halifax performed in our latest mortgage satisfaction survey.

We gathered feedback from real Halifax customers on everything to do with their mortgage, from the application process to how well the lender communicated information.

Customer rating for: Star rating
Customer service

4 out of 5

Application process

4 out of 5

Value for money

3 out of 5

Keeping you well informed

5 out of 5

Clarity of statements

4 out of 5

Transparency of charges

5 out of 5

Query and complaint handling

4 out of 5

Ability to overpay or underpay mortgage

4 out of 5

Online access

4 out of 5

 

Star ratings based on a June/July 2020 Which? survey of 3625 members of the general public in which 435 people told us they had their mortgage with Halifax.

What kinds of mortgages does Halifax offer?

Many mortgage lenders have significantly cut their offerings this year due to the coronavirus outbreak.

When we checked on September 2019, there were 265 mortgages available from Halifax. All were fixed-rate deals - meaning your interest rate will stay the same for a set initial period.

Halifax's mortgages came with an initial period of two, three, five or 10 years.

 

 

Does Halifax offer the best mortgage deals?

Our experts analysed hundreds of mortgages over a four-week period in July 2020. They compiled a total of 208 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average number of times a lender made it into a table was 16, but Halifax featured just twice, meaning it offers considerably fewer table-topping deals than some of its rivals. (Data source: Moneyfacts.)

Interest rates on Halifax mortgages

In September 2020, the average rate on a two-year fixed-rate mortgage from Halifax was 2%, compared to the overall market average of 2.33%.

How much could I borrow from Halifax?

Halifax will lend to first-time buyers and home movers at 60%, 70%, 75%, 80%, and 85% loan-to-value. People remortgaging can do so at up to 95%. 

Halifax doesn't publish its borrowing caps, so you'll need to speak to the lender or your broker about how much you might be able to borrow in relation to your annual salary.

Can I make overpayments?

Halifax's deals allow you to overpay up to 10% of the mortgage balance each year. 

How can I contact Halifax?

Mortgages from Halifax are available directly and through mortgage brokers

Halifax can be contacted on 0345 850 3705.

Its website is halifax.co.uk.

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