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.
Discover what the Virgin Money M Plus current account has to offer in our review.
Is Monzo’s app-only current account the right option for you? Read our review to get the low-down on all of the features of the account, its card and the app.
Discover what the Halifax Reward current account has to offer to see if it’s right for you.
Discover what the Club Lloyds current account has to offer in our review.
Discover what the TSB Spend & Save Plus current account has to offer in our review.
If you’re happy to pay a monthly fee, discover what the Halifax Ultimate Reward current account has to offer.
Discover whether a buy-to-let mortgage from digital-only lender Molo Finance could be suitable for you.
Everything you need to know about auction finance, including why it can be a good alternative to a mortgage, its downsides and where to get the best deal.
Complete guide to buying at auction with a mortgage. Find out which types of properties could be unmortgageable and how to get your finances in place before the auction.
Discover the best bank for a mortgage in the UK using real customer reviews from our customer satisfaction survey.
finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. We may receive compensation from our partners for placement of their products or services. We may also receive compensation if you click on certain links posted on our site. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. Please appreciate that there may be other options available to you than the products, providers or services covered by our service.