Halifax is a British bank operating as a trading division of Bank of Scotland, itself a wholly owned subsidiary of Lloyds Banking Group. It is named after the town of Halifax, West Yorkshire, where it was founded as a building society in 1853. By 1913, it had developed into the UK’s largest building society and continued to maintain this position within the UK until 1997, when it demutualised.
You can get a mortgage in principle online, by calling 0345 850 3705 or by visiting a local branch. Once you’ve had an offer accepted on a property, you can complete your mortgage application over the phone or in-branch.
You’ll need to provide proof of identity, your most recent payslips and details of your current financial commitments, such as any major outgoings or loan repayments.
Applicants must be at least 18 years old and no older than 80 when the mortgage term is due to end.
All applications are subject to affordability assessments and credit checks. Halifax will not lend more than five times the annual income of the applicant(s). If you’re self-employed, you’ll need to be able to show at least one year’s worth of accounts, or two year’s worth if you’ve been self-employed for more than that time.
For general mortgage queries, call 0345 850 3705 or visit a local branch.
In our 2021 Mortgages Customer Satisfaction Awards, Halifax scored 4.5 stars out of 5 and 88% of its customers in our survey said they would recommend the service. Overall, customers felt that the rates at Halifax were fair and that they had good products. They found it easy to manage their mortgage online through the clear website and easy-to-use app. In general, they also found the customer service staff helpful and knowledgeable.
Here is some of the feedback we got from Halifax mortgage customers:
“Very good provider with good customer service”
“Good communication and a good interest rate.”
“It’s really flexible to manage via online banking.”
“The mortgage was arranged easily, and repayments have proceeded smoothly. I can arrange and vary overpayments quickly and simply.”
“Good, quick, efficient service, and always friendly customer service.”
“Halifax are very good at mortgages and have an excellent website.”
Online reviews for Halifax (updated 30 March 2021):
Things are less favourable on customer review platform Trustpilot, where Halifax as a bank has 1.7 out of 5 stars and a rating of Bad, based on 2,000 reviews (this rating is for Halifax as a whole, rather than its mortgages specifically).
The main focus of the Trustpilot reviews is the quality of the bank’s customer service. Customer opinions are split, with most complaining of bad experiences.
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