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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
Anna covers personal finance, helping readers make sense of savings, credit cards and insurance. Her insights are informed by experience in the financial services industry.
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In this article
Halifax is part of the UK’s biggest lender, Lloyds Banking Group, and offers a wide range of mortgages.
Lloyds Bank announced in the summer of 2026 that the Halifax brand will be gradually phased out during 2026 and 2027. To find out more about what this means for Halifax customers head to our news story on the announcement.
Here, you can find out what Halifax mortgage customers thought about its service, what our expert analysis uncovered about its range of deals and the best Halifax mortgage rates on the market right now.
This article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our Halifax mortgage review
Real Halifax customer views
We've asked 871 Halifax mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Halifax's mortgages to work out if it's a lender that offers competitive deals.
Halifax placed in the bottom half of our customer satisfaction, but scored four stars for its online access. It also performed well in our interest rate analysis. The lender was the joint-5th cheapest (out of 69) during our three-month analysis period.
70%
out of 21 mortgage lenders ranked on customer score (joint-15th)
To see how Halifax compares to other mortgage providers, head to our guide to the best mortgage lenders.
Anna McClean, market analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered, on average, the cheapest mortgage deals during our analysis period. Halifax was one of the cheapest lenders overall, with its most competitive deals focused on first-time buyers.'
Here's how Halifax did in our analysis:
Find out more: check which lenders came ahead of Halifax in our cheapest lender interest rate analysis
The two-year fixed-rate mortgages Halifax is currently offering remortgagers, with 80%, 90% or 95% LTVs, are shown in the table.
To see how Halifax compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 80% | Halifax | 70% | 5.1% | £999 | 7.24% |
| 80% fee free | Halifax | 70% | 5.27% | £0 | 7.24% |
| 90% | Halifax | 70% | 5.33% | £999 | 7.24% |
| 90% fee free | Halifax | 70% | 5.5% | £0 | 7.24% |
| 95% | Halifax | 70% | 5.65% | £999 | 7.24% |
| 95% fee free | Halifax | 70% | 5.82% | £0 | 7.24% |
Table notes Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Halifax had a sample size of 871.
The two-year fixed-rate mortgages Halifax is currently offering remortgagers, with 60%, 75% or 85% LTVs, are shown in the table.
To see how Halifax compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 60% | Halifax | 70% | 4.93% | £999 | 7.24% |
| 60% fee free | Halifax | 70% | 5.1% | £0 | 7.24% |
| 75% | Halifax | 70% | 5.03% | £999 | 7.24% |
| 75% fee free | Halifax | 70% | 5.2% | £0 | 7.24% |
| 85% | Halifax | 70% | 5.13% | £999 | 7.24% |
| 85% fee free | Halifax | 70% | 5.3% | £0 | 7.24% |
Table notes Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Halifax had a sample size of 871.
You can find the two-year fixed-rate mortgages Halifax is currently offering to remortgagers with a 60%, 75%, or 85% LTV using the table.
To see how Halifax compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 60% | Halifax | 70% | 5.07% | £1,999 | 7.24% |
| 75% | Halifax | 70% | 5.15% | £1,999 | 7.24% |
| 85% | Halifax | 70% | 5.36% | £1,999 | 7.24% |
Table notes Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. Halifax had a sample size of 871.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Halifax mortgage customers about their experience with the lender.
Here's how customers rated Halifax in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes Star ratings are out of five. The results are based on an online survey of 6,514 members of the public conducted in August/September 2025. Providers must receive a minimum of 40 responses for inclusion in the results. Halifax had a sample size of 871.
Statements are clear, customer service is excellent. They make all issues easy to understand and helped me go to interest-only payments when going on maternity leave.
Feedback was generally positive, with many comments stating they'd never had any problems with their Halifax mortgage.
Many customers praised the bank's customer service and described it as 'knowledgeable', 'friendly' and 'understanding'. However, some respondents commented that getting hold of customer service can take a long time. For example, one customer said that Halifax customer service is 'difficult to contact' and that they found it hard to speak to a person.
When we checked in September 2026, there were 315 mortgages available from Halifax. The vast majority of these were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Halifax mortgages had initial periods of two, three, five and 10 years.
A smaller number of mortgages offered by Halifax were tracker deals, with initial terms lasting two years before reverting to Halifax's standard variable rate.
Halifax doesn't publish its borrowing caps, but you can use its affordability calculator to check the size of a mortgage you qualify for.
Halifax offers £250 cashback for mortgages on homes with an EPC rating of A or B. Halifax also offers cashback for making green home improvements. For example, if you install an air source heat pump, you could earn £2,000 cashback, or £1,000 cashback for adding solar panels.
All of Halifax's mortgages have a maximum term length of 40 years.
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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