Halifax mortgage reviews
Find out what Halifax mortgages customers say about the lender's service.

: With this type of mortgage, a family member puts 10% of the agreed property purchase price into a fixed savings account. That money stays in the account for 3 years, earning interest, and acts as a guarantee. The mortgage holder will be on a 3-year fixed interest rate mortgage and when term ends, your family member gets their savings, as long as your mortgage payments are up to date.
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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. If any part of the mortgage is on an interest-only basis then the maximum age is 70.
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 2024 customer satisfaction survey, Halifax scored 4.7 out of 5 stars with 95% of its customers saying they’d recommend the brand to a friend.
Customers in our survey commented positively on Halifax’s communication and customer service.
“Good customer service. Quick processing of application.”
“Always providing the best customer service.”
“Easy to use. Good communication.”
Halifax has a wide variety of mortgages on offer, whether you’re looking for a fixed rate deal or a buy-to-let. It’s important to research which mortgage to apply for before you make such a big financial decision, plus a mortgage broker might be able to help you explore a larger number of mortgages on the market or find one well suited to your needs.”
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