Halifax Mortgage Reviews

★★☆☆☆
2.0 / 5
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Halifax Mortgage

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★★★★★

“swift response”

Written on: 20/07/2014 by Rosemaryb491 (1 review written)

i applied for a mortgage through a broker after the change in law on how they qualify applicants. I got my offer in principal straight away. i then sent in my SA302 as i am self employed which was fine. A week later the halifax asked for my partners wage slips which was all ok. Valuation got booked, all came back ok, went back to premier lending to be double checked by the underwriters which was fine and offer came out in the post 3 days later. The whole process was smooth and took 3 week in… Read Full Review

Suedee1's Comment

Written on: 21/07/2014

That is quick. We put our full application in 7 weeks ago, got pulled out for certain things. Been with underwriter for a week to 10 days, still not received an offer. Our moving date is looming so getting abit worried,!,

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Bimblehead's Comment

Written on: 21/07/2014

You clearly work for the Halifax! I say that because you even say it was for their Premier section which brokers have been moaning about lately because of the very long delays. The truth is Halifax should be ASHAMED about treating people like this.

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★☆☆☆☆

“Absolutely Terrible”

Written on: 14/07/2014 by AAC10 (1 review written)

Been waiting 2 months for them to complete. On the phone to them everyday. Words can't describe how utterly useless they are. They have taken 6 weeks to get a employment confirmation. They supposedly sent a letter and 2 reminders. We've been in contact with the employer no letter was ever sent. In the end they faxed the form. We've spoken to them 20 times, they have never contacted us. As a direct result of their lies and utter incompetence my wife and 2 young children (one of which is a new… Read Full Review

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★☆☆☆☆

“Utter Joke”

Written on: 08/07/2014 by Huffman1989 (1 review written)

Completely agree with other reviewers that online mortgage team are appaling. 6 weeks after obtaining an offer for a mortgage (moving to new property) and sending in all required information, still waiting for any kind of progress. Have had to send employer information 3 times, each with amendments, only to be told there is now too much paperwork on the system and they need further underwriting assessment. No interest from the team in remaining in contact. Going through the complaints process… Read Full Review

Aac10's Comment

Written on: 14/07/2014

Had a similar issue and am still waiting to compete. However try complaining online:

I got £250 back. Not great, but better than nothing

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★☆☆☆☆

“Unprofessional, waste of time. Avoid!!!”

Written on: 07/07/2014 by KayleighNapier90 (1 review written)

Applied for a mortgage through Halifax as a first time buyer at the beginning of April, have excellent credit and 25% deposit. They have lost payslips, asked to speak with the my company's accountant several times, lost bank statements and then found them a week later. Every time you ring its unto 30mins wait and a different adviser each time. Dealing with the complaints team and he's no better, its been in his hands for 3 weeks and he hasn't managed to get a mortgage offer yet. He keeps… Read Full Review

Aac10's Comment

Written on: 14/07/2014

Had a similar issue and am still waiting to complete. However try complaining online.

I got £250 back. Not great, but better than nothing

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★☆☆☆☆

“Waste of time”

Written on: 06/07/2014

The telephone system is a joke. You select the correct options and wait for over half an hour for a answer then get told you have come through to the wrong department absolutely terrible and frustrating service… Read Full Review

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★☆☆☆☆

“Terrible”

Written on: 03/07/2014 by Vaughn386 (1 review written)

I have been with the Halifax for over 15yrs. My current fixed rate deal came to an end and I called to re fix the deal. After nearly 3hrs the telephone consultant said all was OK and she would send me the declarations to sign. She also asked for our latest pay slips. All this was sent, and they lost it. Had to reorder everything and send again. Finally after a few more weeks we got a call to say that they were not willing to fix the mortgage with us any more and we would have to stay on… Read Full Review

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★☆☆☆☆

“Telephone mortgage adviser abrupt.”

Written on: 27/06/2014 by JulianaKnight39 (1 review written)

I applied for a mortgage with Halifax over the phone. A person took all my details and was friendly and polite. Unfortunately though, I was passed onto another person as she was on a day off. This person was annoyed that some of my income details appeared to be wrong when I disputed the details she read back to me. She told me I'd given them the wrong information and said my application call with Cherie was too lengthy to listen to, to find out if it had been mis-understood. She was abrupt… Read Full Review

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★☆☆☆☆

“Mortgage - Horrific Service”

Written on: 16/06/2014 by Nin9 (1 review written)

The Halifax has taken 6 and a half months to submit our mortgage offer. After initially giving us a Decision in Principle swiftly, actually getting anywhere with them afterwards is a harrowing story. This should have been a straightforward purchase on a property with NO CHAIN involved - but the inactivity, idleness and uncaring provided by the Halifax has made this one of the most frustrating and stressful periods I have ever encountered. My partner is self employed and they requested SA302… Read Full Review

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★☆☆☆☆

“Unprofessional, slow, incompetent!!”

Written on: 13/06/2014

Received mortgage promise in Feb, it's now June and still no joy! Have payed halifax valuation, all seemed good to go, then 4 weeks ago they decreased my offer by nearly half! My broker has went back resent all my payslips and other requested info and they have came back with same figure. A figure which will not complete my extension! I am mortgage free and have 100 percent equity in property and they have decreased my offer. I have excellent credit, have 2 children and am single parent but… Read Full Review

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★☆☆☆☆

“MOST INEFFICIENT. AVOID. WOULD NO RECOMMEND EVEN TO...”

Written on: 12/06/2014

We apply at mid March at bank. We received offer at 22nd April - thought " not so bad after 4.weeks" even though we were previously told that 2 weeks( we have 40% deposit and have good incomes). Then, everything started VERY WRONG. Our solicitor did not receive offer from bank after one week. We contacted bank, we were told that everything would be sent to our solicitor, no need to worry. Nothing happened for few days. Then, we were told to submit some more forms - like proof of… Read Full Review

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★☆☆☆☆

“Manipulating ther indexed valuation on fixed deal renewal”

Written on: 06/06/2014 by AlexanderMilne (1 review written)

Halifax indexed valuation mysteriously reduced 5% from May 2014 to June 2014. This keeps me out of the 60% ltv threshold and bumping up my fixed rate deal by an extra 0.6% pa. Exactly the same thing happened 2 years ago and they squeezed another revaluation fee out of me. Not this time. Leopards don't change their spots and Halifax are always on the lookout to squeeze and squeeze more from their customers. Big problems on doing the supposedly simple online change, which surprisingly became… Read Full Review

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★★★★★

“Brilliant, Fast and Reliable Service 10/10”

Written on: 03/06/2014 by Baileytb72 (1 review written)

It's a shame that Halifax have so many bad reviews and from what I can see it is only a minority. I for one had a brilliant service from our mortgage adviser, the pre application and full mortgage application was completed within 1 day as my wife and I had already looked at the houses that we wanted. 

 The application went through and was accepted whilst we were sitting in the bank. A few days later we received our full paperwork and were suggested a solicitor to use. If I ever had any
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Pfsss's Comment

Written on: 03/06/2014

Haha this revie

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★☆☆☆☆

“Very slow, incompetent service”

Written on: 02/06/2014

Really regretted going with this mortgage provider. Mortage adviser is very slow and incompetent and has been holding us back and we are soon to be homeless as result. AVOID!!!!!!… Read Full Review

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★☆☆☆☆

“Gifted deposit ”

Written on: 01/06/2014 by AlfredTerry (1 review written)

I brought a house in February, took out a Halifax mortgage though a broker. The mortgage is only in my name not my partners too, although he will be living there. My partners father gifted us £15,000 to put towards the house. He had to write a letter to confirm it is none refundable. Now 4 months down the line my solicitor just wanted Halifax to say they know about the 15,000 deposit off my future father in law, yet they will not do it! Even though they gave me a morgage offer! They are… Read Full Review

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★☆☆☆☆

“Keep getting it wrong”

Written on: 30/05/2014 by denst (1 review written)

Hi we are now waiting for our mortgage offer to be sent out for third time, names, address and mortgage amounts have been wrong, we are dangerously close to being homeless due to Halifax's poor admin. And it took 6 weeks to come as they forgot to process it… Read Full Review

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★☆☆☆☆

“Holding up our sale - slow and no info!”

Written on: 24/05/2014 by joeflower (3 reviews written)

We are selling our house & in a chain with a FTB borrowing through Halifax. Everything is being held up (after a nightmare of other delays) by Halifax who need to approve an updated lease. Most lenders take 4-7 days to do this. Halifax won't give a timeframe and has now had the lease for 11 working days (so over 2 weeks) and have provided no info or time frame on when they might approve it. We can't wait for weeks so are at risk of our sale falling through for a second time because of Halifax… Read Full Review

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★☆☆☆☆

“Disgraceful!!!!”

Written on: 22/05/2014 by 464McCullough (1 review written)

I applied for a new mortgage via broker to take the stress off us, as we thought. Sold our home and agreed a new one. Within days the valuation went through and offer out after a few days later. all that was required was my hubbys 3 months ps and a yr from me. Smooth and stress free...disaster struck and was gazumpted last min. Was told all was ok to change the offer no problem. Since then under the new MMR rules its been 1 thing after the other, summit more payslips, a week later credit… Read Full Review

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★★★★★

“Efficient Fast Service - 10/10”

Written on: 22/05/2014 by MarcJames1987 (1 review written)

I was so impressed with the service that Halifax gave that I had to write this review today. I am a first time buyer and was in the process of buying my first property. I initially applied for a mortgage with NatWest Bank. After repeatedly requesting information and leaving me waiting for over 30 days, time was beginning to go against me. I have to note that this was a very stressful and worrying time as I thought that I would lose the property that had been reserved. I then had to go… Read Full Review

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★☆☆☆☆

“Halifax have poor customer support and unclear products”

Written on: 03/05/2014 by RandyFitzgerald (1 review written)

We are coming to the end of our current mortgage term with Halifax and need to find another product. We found another Halifax product that met our needs and tried to contact Halifax with a view to remortgaging. Firstly, the only way to get any response on the phone after waiting for a completely unreasonable time was to raise a complaint. The complaint was dealt with by offering a small sum to compensate for the phone bill but then they would not transfer us to another adviser until we agreed… Read Full Review

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★★★★★

“Very smooth and quick applicaiton”

Written on: 02/05/2014 by EricKelly (1 review written)

I read all of these reviews when I first applied for my mortgage and it scared the life out of me, I panicked the whole time thinking ours was going too smoothly to be true and kept expecting something bad to happen even right up to completion which was today. However we applied for our mortgage around 3-4 weeks ago through a broker, we got our decision in principle then put in the full application and came up as accepted providing the 3 wage slips and bank statements agreed what we had put… Read Full Review

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