Halifax Mortgage Reviews

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Halifax Mortgage

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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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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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★☆☆☆☆

“absoloute joke!”

Written on: 02/05/2014 by amandadale123 (1 review written)

had a fixed mortgage with Halifax from 2010 until 2014. sold our property and had to pay Halifax a further £3000 to get out of our mortgage deal. the buyers of our property were first time buyers also with Halifax. Halifax sent theyre surveyor to our property who devalued it by 12,000. the year before the very same surveyor valued it 15000 more than what we bought it for as we spent loads doing property up. this shook the sale but after persistence from both parties us the seller and the buyer… Read Full Review

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★☆☆☆☆

“Absolute shocking”

Written on: 27/04/2014 by onDrake264 (1 review written)

Me and my partner are first time buyers we had a mortgage In principle for 140k with a 5% deposit. so we found the house we wanted which is only 95K. We put in the full application for them to say we will accept the application only on 10% deposit so my partners family are giving us the rest of the deposit for a gift to make up the 10%. We have been messed about so much it's untrue it's like there making excuses excuses excuses not to give us a mortgage they've told us our credit report is good… Read Full Review

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★☆☆☆☆

“Slow and unprofessional”

Written on: 17/04/2014 by 25Greenwood (1 review written)

We are first time buyers with halifax and found our perfect property 7 weeks ago. We had a mortgage in principle with halifax and were keen to have our mortgage with halifax as they had the stamp duty deal. Unfortunately right from the word go they have been slow, hard to contact and generally unprofessional in my opinion. They lost our pay slips and personal details when they requested them and it took me two weeks to find out what they had done. Upon taking in more pay slips they then said… Read Full Review

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★★★☆☆

“Just took to long to do anything”

Written on: 10/04/2014 by Welshpx207 (1 review written)

Positives: Good customer service Stamp duty offer Negatives: Long call waits to speak with someone (up to 30 minutes regularly) Income reference was a nightmare. My work did not help by refusing a some of the detail Halifax wanted. Then required proof of deposit sending to them. The best bit is my savings are with Halifax! Faxes were not always received and had to be sent multiple times. Can't send documents on email. I am pretty certain most lenders are similar so overall I can't be too… Read Full Review

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★☆☆☆☆

“OMG PC says no.”

Written on: 31/03/2014 by d4ny18 (1 review written)

These are so frustrating i thought you needed a qualification to be a mortgage accessor. We are stuck in a buytolet mortgage (fix rate) finished last October we now live in the property so trying to get a residential mortgage, my wife has run a limited company for the last few years, I work full time, all end of year accounts upto date, she has only filed 1 tax return which was last year as the inland revenue only requested this, so we have a SA302 form for that year but these clowns are… Read Full Review

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★★★☆☆

“Waiting On Application Acceptance”

Written on: 07/03/2014

We have had our mortgage in principle and given all information for the actual mortgage itself to be accepted but it has been delayed by two weeks because of an IT issue i.e the wrong code was given from hosuing association on a 50/50 mortgage to halifax. it has now gone to the underwriters on two different occasions but we havent had a response about it. we are waiting to send solictors letters off but cant do anything until we have a mortgage accepetd and signed for. has anyone else… Read Full Review

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★★★☆☆

“can i still get declined after being accepted?”

Written on: 05/03/2014 by Carlsonxr274 (1 review written)

have been accepted for mortgage, paid surveyors fee, can i still get declined?… Read Full Review

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★★★★★

“Fantastic service by Halifax where all else failed.”

Written on: 14/01/2014 by Disappointed22 (1 review written)

Just received our mortgage offer from Halifax after a horrific 4 months being declined by NatWest. Got a mortgage in principle from Halifax on the 20th December and as we already had an offer accepted on a house (from our initial stages with NatWest), went ahead and completed the full application with Halifax on the 23rd December. All they needed from my husband and I was proof of ID, 3 months bank statements and 3 months pay slips (even though I own another property on a Buy to Let mortgage -… Read Full Review

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★☆☆☆☆

“One message by email a week, poor service”

Written on: 05/01/2014

Visited Halifax to see if we would be eligible for a mortgage and after initial checks said we would be fine to go ahead we started looking for a home. When we eventually found the right place and had an offer accepted we went back to the Halifax with what we were told to bring back with us. Everything was great and was told that they had everything for my partner but I needed to bring in bank statements and that would be sufficient with everything else we had brought in. For 3 and a half… Read Full Review

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