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Halifax mortgage review

We've combined expert analysis with customer reviews to help you decide whether you should get a mortgage with Halifax bank
Joe Wright

key information

Advice on mortgage rates

Mortgage rates are currently much higher than homeowners have been used to for the past 15 years.

If you're thinking of buying a home or need to remortgage this is likely to impact you.

For the latest news and advice on dealing with inflated mortgage rates, see the below stories, which are regularly updated:

If you're worried about making your mortgage payments, see our guide on what to do if you can't pay your mortgage.

Is Halifax a good mortgage lender?

We analysed which lenders combine competitive mortgage rates with good customer service.

We found that Halifax offered fewer market-leading deals than most of the competition.  

In addition, its customers gave it a score of just 64% - leaving it 14th of the 22 lenders we assessed.

Halifax Mortgages review

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Score

Overall ranking

Which? Customer Score

64%

Joint 14th out of 22 mortgage lenders

Halifax customer satisfaction scores

The table below shows how Halifax performed in our latest mortgage satisfaction survey, which gathered feedback from Halifax customers about everything from the application process to value for money.

Value for money
Customer service in general
Keeping you well informed
Clarity of mortgage statements
Transparency of charges
Ability to overpay or underpay mortgage
Online access

Star ratings based on a July 2023 Which? survey of 3,450 members of the general public in which 375 people told us that they had their mortgage with Halifax.

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What types of mortgage does Halifax offer?

Halifax is part of Lloyds Banking Group (LBG), which owns brands such as Lloyds Bank, Bank of Scotland and Scottish Widows. LBG is the biggest mortgage lender in the UK.

When we checked in September 2023, there were 159 mortgages available from Halifax. Most 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 or 10 years.

A smaller number of mortgages offered by Halifax were tracker deals, with initial terms lasting two years before reverting to the lender's standard variable rate.

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Does Halifax offer the best mortgage deals?

Which? analysed thousands of mortgages over a four-week period in August 2023. 

We compiled a series of top 10 cheapest deals tables, based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average was five appearances per week. However, Halifax averaged just two appearances, meaning it rarely offered the cheapest deals. (Data source: Moneyfacts.)

How much could I borrow from Halifax?

Halifax will lend to first-time buyers at 60%, 70%, 75%, 80%, 85%, 90%, 95% and 100% loan-to-value (LTV). Existing homeowners are limited to 95% (if buying a property) or 90% (if remortgaging).

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 salary.

How long can the mortgage term be?

All of Halifax's mortgages allow customers to pay back the loan over a maximum term of 40 years.

Can I make overpayments?

Halifax's deals allow you to overpay up to 10% of the mortgage balance each year, before an early repayment charge (ERC) is triggered.

How can I contact Halifax?

Mortgages from Halifax are available directly and through mortgage brokers.

Halifax can be contacted on 0345 850 3705.

The website is Halifax.co.uk. You can also visit in-branch.

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