Halifax Mortgage Reviews
Latest Reviews
★★★★★
“Can't Fault Them!”
Written on: 18/05/2013 by lisalou78
Thank you Halifax for giving me a mortgage. I was a single applicant with a dependant child on a low NHS wage... and a not very shiny credit history, but they stil agreed to give me a mortgage. When the sale was going through and the solicitors were dragging their feet (as usual), Halifax were very efficient and their staff always very friendly and helpful despite being very busy. I too even got the welcome hamper about a week later. Lovely good quality wine, chocs tea and coffee etc which... (read more)
★★★★★
“Quick and easy”
Written on: 23/04/2013 by reps12 (1 review written)
Halifax were the only bank willing to lend to me as I'm a phd student. They were very efficient and went out of their way to see me (even gave me free drinks during the meetings). The mortgage process was speedy thanks to their excellent staff and I received a free goody bag from them today that included wine, chocolate and tools! (read more)
★★☆☆☆
“Higher Than Necessary Interest Rates”
Written on: 12/04/2013 by anotherconcerned
Are we the only ones to have noticed ? Our mortgage with Halifax, which we have had since 2007, suddenly had the interest rate increased last April (2012) on the grounds that rates between lenders were higher (they apparently have the right to amend rates.....). But for the past 6 months or so interest rates from Lenders have been dropping, so why has Halifax not reduced ours ?? Anyone any ideas please ? (read more)
★☆☆☆☆
“underhanded ”
Written on: 10/04/2013 by fatrob (1 review written)
Recently I came to the end of a fixed rate mortgage with C&G so I remortgaged with halifax as I bank with them. On going through the paperwork I was told that my monthly payment would be £676 per month. I was told that my first payment would be slightly higher than the £676 as it would take a couple of days to complete and I would have to pay the interest for those couple of days so I budgeted appropriatly for this. On completion I have now recieved a letter telling me that my first... (read more)
★☆☆☆☆
“Over the phone Customer Service”
Written on: 05/04/2013
Paid a lump sum into my mortgage, called them in advance gave me wrong account numbers (changed them recently), could not tell balance on account. Had to call 3 times to get basic account info. Terrible customer service, system confusion, very long waiting times on the phone - complete disarray Beware !!! (read more)
★★★☆☆
“Great they don't take the money ”
Written on: 27/03/2013
I don't have much to complain about really the application through a financial advisor was very smooth And on completion day it all went fine got the keys to my new house at 12 and 2 weeks later a lovely welcome hamper full of goodies from the halifax but that was 4 months ago and they haven't took1 payment from me....I've called the customer service a few times they just say the mortgage number I have hasn't completed yet... I've been in the house now 4 months.... I'm just worried what this... (read more)
★☆☆☆☆
“DO NOT LISTEN”
Written on: 24/03/2013
We had a 3 year consent to lease mortgage with Halifax, despite 3 times ringing to try and sort out new mortgage not one member of staff has listened, they are total idiots running the mortgage help line. My husband went into branch to try and sort and whilst being told of deals available, when we contacted over the phone, were advised that branch should not have offered that deal Now in process of trying to set up new buy to let mortgage with another company, after they have forced £300... (read more)
★☆☆☆☆
“Changed my joint mortgage without my authorisation USELESS”
Written on: 15/03/2013 by NikkiP69 (1 review written)
I left my violent ex partner in April 2008 and immediately notified The Halifax of my circumstances and new address. I received a letter from The Halifax thanking me for notifying them of my new address and all future correspondence would be forwarded to me dated 2008. Whilst in court with my ex partner who had done everything to stop the sale of the joint property I discovered he had changed our joint £190,000 mortgage over from repayment to interest only without my signature or... (read more)
★☆☆☆☆
“Useless Idiots!!!”
Written on: 15/01/2013 by Scotia6 (1 review written)
Had an existing mortgage with Halifax and thought I would stay with them to apply for a buy to let mortgage on another property. After being accepted over the phone I was told that I would need to change one of my existing mortgages to a consent to let, which I did. Only for them to mess up the direct debit date and put a late payment on my credit file. This in turn meant that the underwriters would only accept my BTL mortgage application on the other property if I put down 40% deposit... (read more)
★★★★★
“Very Efficient”
Written on: 25/12/2012 by Yash75 (1 review written)
I read loads of review about Halifax. I had been turned down everywhere. I never tried Halifax although I have been banking with them for the past 12 years. Because I was advised by a few Mortgage Advisers that I should not apply for a mortgage for at least 4 years. So therefore Halifax was the last option for me to try before giving up. I went to my local branch and was seen by a Mortgage Adviser. She carried out a Credit Score and it was successful. And from there my application was... (read more)
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Showing 1 - 10 of 92 Reviews
★☆☆☆☆
“Unfair Mortgage Refused even with 50% deposit!!!!!!”
Written on: 07/12/2012
Hi there, I felt we had to write a review on the horrible service halifax have been giving us! We recently sold our flat to which we had a mortgage with the halifax for 8years! Not 1 single missed payment on this mortgage even when we went through redundancies etc! We sold and paid up, We had a new mortgage agreed in P with halifax and put an offer down on a house! Halifax started doing what they need to do and asked for the valuation fee to which we paid and got the house valued all was... (read more)
★☆☆☆☆
“Rarely answer the phones and poor service when they...”
Written on: 05/12/2012 by Spitroast (2 reviews written)
Rarely answer the phones and poor service when they do. I called at 7:10pm twice (only time I can call after work). Spent 50mins on the phone to them giving all my details and then they tell me sorry it's 8pm now and our offices are closing. I'll get someone to call you back tomorrow ...so I couldn't even get a quote! Did they call me back at the time stated... NO. Did they call me back ever... NO. So went through the same process a few days later. Still not had my questions answered. (read more)
★☆☆☆☆
“Nightmare to deal with”
Written on: 04/12/2012
Positives:- Approval was easy, no documentation was required from me which is good because if it was they would probably have lost it! Negatives:- Everything else! Conveyancing was very expensive and delayed the transaction by over two weeks while waiting for a booking. Took them a long time to forward the report which was inaccurate (stated house has gas central heating when it has no mains gas supply, year house built was incorrect by over 10 years). Didn't pay the bonus for existing... (read more)
★☆☆☆☆
“Avoid Hellifax at ANY cost.”
Written on: 19/11/2012 by Sickov_Anti-service (8 reviews written)
Applied for re-mortgage three weeks ago. In summary between Halifax so-called mortgage experts and their 'legal department', Optima Legal (who appear to be just a call centre) TOTALLY f*cked up. Instead of asking for a redemption figure from my current lender (which Halifax explained WOULD happen), they made the re-mortgage to the nearest £1000 and asked me to pay the £400 shortfall! Yeah like I'm going to pay for your incompetence! And to add insult to injury, they refuse to resolve... (read more)
★☆☆☆☆
“Bad customer service from top to bottom”
Written on: 12/10/2012 by Leonaaaard
adviser give wrong information I complain they didn't even understand my complaint quoted a wrong account and now refuse to provide further replies. The adviser refuses to come to the phone and the complains staff are plain dim and do jot comprehend their own business. Some staff on the phone don't even seem to understand or speak English. DO NOT GO THERE! There cannot be a worse bank! (read more)
★★★★☆
“Overall Pleased with Mortgage”
Written on: 12/10/2012 by pinkprincess693 (3 reviews written)
I was very worried reading reviews on here as I had applied for a loan to consolidate a few bits around the time that I applied for my mortgage. However, I need not have worried - I was honest with my broker and had an A rating for mortgage purposes. I still worried up until the day I got the call to say the money came in, as it didn't arrive with the solicitor until 4pm which was the last payment run of the day.... they kept me informed throughout, and then sent me a lovely hamper of... (read more)
★★★☆☆
“Go in to plenty of detail, talk about the key elements...”
Written on: 31/08/2012 by burtie13
Go in to plenty of detail, talk about the key elements you like, was there anything you particularly didn't like about it? (20 characters minimum) (read more)
★☆☆☆☆
“Halifax Mortgage Warning - my personal experience!”
Written on: 08/08/2012 by JLTaylor (1 review written)
A sincere word of warning for anyone who has a mortgage with the Halifax and considering paying it off early! I live on my own and have over the past five years sacrificed holidays and home improvements in order to regularly over pay on my monthly mortgage payments in order to pay off my mortgage early.....or so I thought! I work very hard for my wage, as most of the working population do, well unless you work for the Halifax who are very happy to accept their guaranteed salaries and in some... (read more)
★★★★☆
“They haven't been that bad...”
Written on: 23/07/2012 by nosnmad (6 reviews written)
Just looking through all the mortgage lenders reviews and it seems that no one likes their mortgage lender - I guess rightly so. But to review something means that you need to be truthful and truthfully speaking I've been with Halifax for years. Yep I hate mortgage lenders period as they fiddle with their underlying rates to make you pay more - but in the end they all do it. Tp be honest I've always gotten a good rate out of Halifax - they;ve treated me ok and I will continue to use them. (read more)
★☆☆☆☆
“DO NOT USE HALIFAX, THEY ARE GREEDY LIERS.......”
Written on: 18/06/2012
took out a consent to lease product as the would not let me move to a buy to let mortgage, (for some strange reason), they charged me £1000 and incresed the rate way above the variable, i signed and agreed that after the 3 yrs my mortgage would then go onto the variable rate. The 3 yrs are now up, they've said they have changed their policy, i will have to pay them another £1000 and go on an even higher rate of interest for the next 3 years and then do the same again and again to the end... (read more)
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Showing 11 - 20 of 92 Reviews
★★★★☆
“Hooray :D New home at last ”
Written on: 08/06/2012
I applied for a Halifax mortgage through a broker just over a month ago – The house I am buying is steel framed – so the choice of high street lenders offering to mortgage non standard construction was limited greatly. However, Halifax agreed – and so we proceeded with the application. The whole process has been pretty stress free. We move into our new home next Friday – and considering that this was a non standard construction, and also that my husband is self employed – I... (read more)
★★★★☆
“Hooray :D New home at last ”
Written on: 01/06/2012
I applied for a Halifax mortgage through a broker just over a month ago – The house I am buying is steel framed – so the choice of high street lenders offering to mortgage non-standard construction was limited greatly. However, Halifax agreed – and so we proceeded with the application. The whole process has been pretty stress free. We move into our new home next Friday – and considering that this was a non-standard construction, and also that my husband is self-employed – I... (read more)
★☆☆☆☆
“They rip you off”
Written on: 27/05/2012 by thechamp
I applied for a mortgage with Halifax they approved it then messed up my credit rating by credit scoring me 9 times I continued with them and paid all there fees and a survey fee the survey went well then about a week later they called me and told me I couldnt have the mortgage they had decided they had changed there criteria? so Im now alot of money out of pocket and am thinking about legal action to get it back as the Halifax are useless when you try to get your money back if I could of... (read more)
★★★★★
“First Time Buyer”
Written on: 24/05/2012
I as a first time buyer thought it would be difficult to get a mortgage so i approach the bank i have my main account with and was refused and the person i seen wasnt even a mortgage advisor. i also had a very large deposit of 45%. so i went to halifax and seen 1 of the mortgage advisor and got a promise in principle. the valuation was done on the property and i received the mortgage offer about a week later. Also as part of the service for taking out the mortgage with halifax i received a... (read more)
★☆☆☆☆
“ABSOLUTELY TERRIBLE! AVOID AT ALL COSTS!!!!!!!!!!!!!”
Written on: 22/04/2012 by NDavies68
We went in for a consultation and were told that there would not be a problem getting a mortgage and got a mortgage in principle. We then made an offer on the house which was accepted so Solicitors were instructed. We told the Advisor all the required information including the fact that my husband was a director and had 50% shares in the company but is a PAYE and had no debt liability as this was all funded by the Director who holds the other 50% This did not deter the advisor or flag up... (read more)
Truthaboutmoney's Response to NDavies68's Review
Written on: 23/04/2012
This is normal service at Halifax/HBOS - thyey don't understand how Limited Comapnies work, pay themeselves or are taxed. The level of stupidity and ignorance of their mortgage staff beggars belief.
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Guest's Response to NDavies68's Review
Written on: 05/05/2012
Do not get me started in HALIFAX. Agree, avoid at all costs if you are Company Director. The service and understanding VARIES greatly branch to branch. I truly empathise with you. My partner is a Company Director - do debt against company and pays himself shares. They are clueless unless it is PAYE. They really do not have a clue.
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★☆☆☆☆
“Halifax are dreadful”
Written on: 04/04/2012 by mistermortgage
I went through a good mortgage advisor who put my case forward to the Halifax and everything came back positive and glowing and it seemed likely the mortgage was to go through. So i started with all the necessary legal stuff and costs etc. They knew every detail about me, the flat and the sale but about 4 weeks down the line they declined me based on my credit report. My report was actually good on experian and well over 800 on the score chart, but they couldnt seem to find my address... (read more)
★★★★★
“First time buyers, shared equity mortgage”
Written on: 26/03/2012
Hi everyone, Just wanted to let people know about our experiences as like others have said you often only hear about negative stuff. Myself and my partner were looking to purchase our first home using the Government's shared equity sheme. We were funding £7,000 (approx) ourselves and the Goverment £20,000 (approx) leaving us a mortgage of £102,000. We used a mortgage broker who looked into the best deals in which Halifax came out top. We got a mortgage in principal approval from... (read more)
★☆☆☆☆
“Advisor didn't know their own products”
Written on: 22/03/2012
We wanted to purchase a new build property - but was aware that most lenders require a deposit of at least 20%. We were selling a flat and knew that to achieve 20% we would have to sell at a certain price. I received an offer on my flat that only gave 10% - but thought I would try to find a lender who would be ok with this. I enquired at a Branch – and was told by the advisor that Halifax were unique in that they would accept a 10% deposit on new builds. I asked her to double check... (read more)
★★★★★
“Fantastic Service, Great Mortgage Advisor! Highly...”
Written on: 16/03/2012
We went to see a Halifax Mortgage Advisor on the 5th March. They were wonderful! From start to finish they were our point of contact. Nothing was too much trouble, they were on the end of the phone or email for any questions or worries we had and always got back to us immediately. The whole process took 3 weeks from Mortgage Offer to Unwriting and issuing the final offer. I honestly think if you have all the information they ask for, and complete all the processes correctly and... (read more)
★☆☆☆☆
“DON'T GO TO THE HALIFAX!!!!!!!!!!!!!!!!!!!!”
Written on: 01/03/2012
WOULD HAVE GIVEN 0 FOR RATING!!! we applied for our mortgage on october 2011..first of all they sent us a mortgage 'promise' which i have now been informed does not mean you are definatly going to get a mortgage ???? in novemeber we contacted them to see how things were progressing and they were still no further forward with the application and wanted more documents from us we happlily sent them the info they wanted hoping for a descision to be made a few weeks later, i had no contact from... (read more)
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Showing 21 - 30 of 92 Reviews
★★★★★
“Fantastic”
Written on: 03/01/2012
I couldnt of asked for a better service quick and brilliant no probs start to finnish def again thanks halifax. (read more)
Guest's Comment
Written on: 27/01/2012
what documentation do you need when completing full mortgage application with halifax?
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★☆☆☆☆
“Deceitful”
Written on: 12/12/2011
I applied for a mortgage from them through a broker.They made a credit check and said they will lend us the money we are borrowing after we passed the credit check. They made us pay the standard valuation of £530 and then when the valuation came back positive, they started asking us papers after papers to prove we can pay and then concluded after 3 months that they will only lend us 3/4 of the amount we originally asked to borrow because of our affordability. they should not agree to lend... (read more)
Guest's Comment
Written on: 03/05/2012
this is the same with many mortgage companies now they lie to you mak you fall in love with a house get the process started with solicitors as you have been told that you can borrow £xxx,xxx amount! Then only to find out that they wont give you the mortgage for the amount that was previously agreed. I think that the banks are being out of order taking our money for valuation only to not give you the money you require. Due to this we have lost out on a house already and have found another one now we are going for mportgage with the halifax now and hopefully this xperience will be better. I dont want to lose this house as you are not only wasting money but you are also causing upset with the estate agent who loses faith in you and also the vendot and its not even your fault.
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★☆☆☆☆
“Snail pace banking”
Written on: 10/11/2011
We are waiting for monies to come through for an advance on our mortgage with Halifax. The whole process has been long and drawn out. We have had to chase them several times for a decision on the initial application. They kept asking for information we had already supplied them with. Once the application was eventually approved we returned the acceptance form and a week later after receiving the form they hadn't done anything with it. More chasing by phone by us and monies are... (read more)
★☆☆☆☆
“Avoid this lender at all costs if you have a Limited...”
Written on: 24/10/2011 by truthaboutmoney (1 review written)
On paper the Halifax looked good for a 2 year fixed rate at 2.79% with the loan to value under 75%. After applying direct to them that is when the trouble started. My partner and I each have our own firms - Limited Companies. Halifax are only interested in what the HMRC form SA302 says for Ltd Co earnings (salary and dividends). Their staff and underwriters do not understand business nor business accounts. They do not know differentiate between gross and net and deduct tax off the lot!!!... (read more)
Guest's Response to truthaboutmoney's Review
Written on: 26/01/2012
I am having exactly the same issue with this organisation. First it's all about Turnover, which is proved due to an increase. Then I need to prove salary and therefore affordability, which leaves me with a minimum £2000 pcm after the mortgage is paid. Then it goes back to wanting turnover and salary again plus another £34K in equity. I manage to sort all this and they are now indicating they want to say no. This is compounded only by the horrendously contrived media publishing that they care about their customers. This bank should not have been been bailed out. It does not deserve the legacy on which it now exists. Appalling appalling treatment of good loyal customers. The irony is I have offered my accounts no less than 4 times in the life of this mortgage and at every point was told they would not be needed - before and after the crisis. Wish I had never got involved with them. Avoid at all costs.
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Guest's Response to truthaboutmoney's Review
Written on: 09/05/2012
Im a freelancer and i would strongly advise you apply through a specialist broker who have direct contact with the underwriters. I got a mortgage for £450k. If i had gone into a branch, they would have given me no more than £250k.
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★☆☆☆☆
“ALWAYS HASSLE WITH THE HALIFAX”
Written on: 26/08/2011 by Kearl123
I moved out of my flat which was purchased using a mortgage from Halifax. It was shared ownership so I purchased the remaining share so I could let the property to tenants as i didn't want to sell it. I visited one of the Halifax branches to do this. Not a problem, the lady was excellent. I completed the consent to let application etc. Plain sailing for a year until suddenly I receive a letter from Halifax telling me that there is an unauthorised tenancy in place and if I did not prove... (read more)
Guest's Response to Kearl123's Review
Written on: 06/09/2011
Hi Kearl123
I have had the same experience just now with them, and this was whilst I was working abroad. My property is on the market and they do not care or do not accept that. They have increased my rate by the 1.5% and have started to take the money out of my account this month. Is this not illegal for them to do?
In my case they insisted to take out a buy to let mortgage at 5.9% considering the current base rate is like 0.5%.
I will also never use them again and cant wait to sell my property to finally get rid of them.
Ali
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Guest's Response to Kearl123's Review
Written on: 26/03/2012
Yep, had same issue. I think Halifax is a disgrace to this country, they have never got any of the products I have with them right. I think the FSA should be looking harder at what this so called used to be bank is up to! There is something very wrong with Halifax, and i bet they don't care either.
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★★★★★
“Smooth service”
Written on: 24/08/2011 by Mavdi (1 review written)
Got the mortgage through a broker which took care of paper work and formality. I much advice anyone else to do the same. They know the business and will let you know before hand what you need to avoid heartbrakes. The whole thing was over within 2 weeks, from promise to mortgage offer. Excellent service. (read more)
★★★★★
“Great friendly, personal and fast customer service”
Written on: 01/08/2011 by jamielaura
As we were searching for a 90% LTV mortgage, our choices were slim, and the first time we approached Halifax they said they could not lend to us. However the branch staff were very helpful and gave us some advice and tried to reassure us that mortgage offer criteria changes all the time so we may be able to apply again. After going to a few other bank branches we tried a mortgage advisor, this was some three weeks after we approached Halifax, and it now came up that we were accepted. I... (read more)
★☆☆☆☆
“Halifax withdraw offer on day of exchanging contracts”
Written on: 25/07/2011 by vicki_russel (1 review written)
We applied for our mortgage in April 2011, our mortage advisor found it very difficult to deal with them as they kept asking for different thing each day. Everytime he rang up ,they said something different. We have our mortgage agreed after a month, and then 3 days laster they withdrew the offer for no reason. After our mortgage adivisor sorted this out they agreed it again. We signed all the mortagage deads and our solicitor done all the searchs and we had our contracts ready to sign.... (read more)
★☆☆☆☆
“If you want to buy a house DO NOT USE THE HALIFAX”
Written on: 29/06/2011 by btys
On the 28th of Feb 2011 we applied for a mortgage that had been agreed in principal after all the normal credit checks etc. We have had to duplicate numerous documents they lost. We were told at the beginning of May it was approved and the offer would be with us soon. During that time we have been asked again for various documents. Then we were told that they needed the 2011 tax credit assessment before they would make an offer. The amount they were willing to lend has changed 4... (read more)
★☆☆☆☆
“Awful Slow and customer serves is useless”
Written on: 22/06/2011
i have went to my mortgage broker to get a new rate on my mortgage. my case was submitted 19th April 2011 for a further advance. What they have asked for has been giving within a day and its taking them 4days to look at information my broker sends in. i have now got my broker to pull my mortgage out and put it with ulster bank. NEVER will i even lift money at the ATM. i have called a few times along with my broker and the customer serves is useless just pam you of to call back at the end of... (read more)
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Showing 31 - 40 of 92 Reviews
★☆☆☆☆
“Awful, slow service without the ability to deliver!”
Written on: 29/05/2011 by dbo215 (1 review written)
Reading previous reviews, I can see we were not alone in the time we wasted chasing after a mortgage with the Halifax, more fool me for leaving them as a banking customer years ago, to think coming back to them to do a mortgage would be of any improvement. So, within only a few days the AIP was agreed, quite quick, so offer was put on our perfect property that would'nt stay around for long, we were given a majority of the deposit by our family and also saved very hard, in total we had a... (read more)
Guest's Response to dbo215's Review
Written on: 17/06/2011
the same thing happened to me and my husbandwith halifax mortgage!!! They have pulled out in the las moment without giving a reason why!!! We had a good deposit, great credit scoring, all perfect! They have never given us reason why they have pulled out....
Terrible bank.....
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Guest's Response to dbo215's Review
Written on: 30/06/2011
the same thing happened to us in May and they did not give a reason. Very horrible bank.
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Guest's Response to dbo215's Review
Written on: 10/08/2011
Exactly the same is now happening to me with Halifax. They're absolutely hopeless.
I really wish i'd seen these reviews first. Anyone reading this I beg you not to make the same mistake as choosing Halifax, it's just not worth it.
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★☆☆☆☆
“Slow and bad. I made my application in late Mar and...”
Written on: 17/05/2011
Slow and bad. I made my application in late Mar and till now, there has been no decision whether it has been accepted or not.
We had a deadline of 3 March and inform Halifax about it. They approved it in-principal, completed the survey and agreed the amount of loan was available.
However, before the bank holidays 3 weeks ago, they say that the offer was going through, but because of the holidays it is just going to take a bit longer. After the holiday, the requested that I need to show my...
(read more)
Guest's Comment
Written on: 26/05/2011
I was in the very similar situations. Responses were vague and unhelpful. No one could give a proper reason. The whole process tool 2 and half months just to come back and say the system said NO. I get the feeling they are only interested in hitting application targets to show that they have been working. I think it is a breach of trust and waste of customers time. Been with halifax for 14 year and swtiched bank yesterday. It might be worth complaining to the Ombudsman.
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★☆☆☆☆
“we had a mortgage agreed in principle over 5 weeks ago...”
Written on: 13/05/2011
we had a mortgage agreed in principle over 5 weeks ago with the Halifax (through a broker). We initially had the survey booked in a week after we applied but our broker wanted to make sure that the mortgage was fully sanctioned before we committed a lot of money and paid for a survey. The mortgage was fully sanctioned by an underwriter a week later and since then we have been told that the mortgage is being sent out to Valuation. We put an offer in on our house and 4 weeks on we have been... (read more)
★☆☆☆☆
“PLEASE PLEASE PLEASE ! take notice of this review &...”
Written on: 09/05/2011
PLEASE PLEASE PLEASE ! take notice of this review & all the others regarding Halifax mortgages.
If you want a quick hassle free mortgage deal DO NOT use Halifax !
Our remortgage has taken 3 months so far & we are still waiting for a completion date, only last week they asked us
To submit information we have already sent twice previously before !, we have constantly had to chase & badger them to keep things moving. We told them in febuary we had a deadline of may 14th or we could lose our...
(read more)
★☆☆☆☆
“I have applied for a mortgage with halifax a month ago...”
Written on: 18/04/2011
I have applied for a mortgage with halifax a month ago and we still have not recieved an offer it has taken them a whole month to ask for additional information the staff are uselss and they only go by whats on the sysytem. They are so bad that they are losing all our documents so then we resend them. they have asked for employment refernce and p60's and recent statements if after this I dont know if they will even accept our mortgage or decline i cant understand why they are so slow. can... (read more)
★☆☆☆☆
“Here is what i would have liked to have known - if you...”
Written on: 04/04/2011
Here is what i would have liked to have known - if you want any chance of buying that house DO NOT USE THE HALIFAX!
What can I say that hasnt been said before. I am attempting to buy a house in the UK from Australia. Only two companies allow expat mortgages (I am here on a temporary basis) and the Halifax was the cheapest. What a mistake.
I have already lost one house as they appear to have no communication or processes in place. They asked for information, piecemeal, over several weeks....
(read more)
★☆☆☆☆
“Extremly happy with the product unfortunately the...”
Written on: 01/04/2011
Extremly happy with the product unfortunately the staff are totally incompetent....
Scan of ID documents to head office from branch sent 3 times as in branch staff put pen through 'true likeness' then fax so black they couldnt read it then finally sent it but to wrong dept?took 7 days and two afternoons off work to sort?? mortgage offer sent to wrong solicitor took 10 clear days of badgering begging and threat of complaints to MD to get them to send it to correct fax no??? house move was...
(read more)
★★★★☆
“I have used Halifax for my mortgage over the past 20...”
Written on: 09/03/2011 by mrtoptips (3 reviews written)
I have used Halifax for my mortgage over the past 20 odd years. I have run into a couple of payment problems in my time, and they were fine with it - not heavy at all. They have a UK call centre which is a bonus, and they are fair all round. I would happily use them again as I feel they are a name you can trust. (read more)
★☆☆☆☆
“mortgage holiday criteria changed at their whim. They...”
Written on: 31/01/2011
mortgage holiday criteria changed at their whim. They quote the halifax price index to value your home. By this i have 74% mortgage to value, however they move the valuation down to make you around 85% loan to value. When you query this they say the price index is only an average. Either they use their own price index or they don't, i have lodged a complaint and await a response. (read more)
★☆☆☆☆
“Absolutely atrocious! Had our Mortgage with them two...”
Written on: 18/01/2011
Absolutely atrocious! Had our Mortgage with them two and a half years and applied for a Payment Holiday after being made redundant last month. Refused us, despite us never missing a payment, on the grounds that there's not enough equity in the house, even though you can apply for one after two years?? My partner can't keep supporting both sides of the bills - how do they expect us to pay?? Will definately be going elsewhere once we're back on our feet. Stay away! (read more)
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Sugar1998's Response to Scotia6's Review
Written on: 20/01/2013
I have been a customer with Halifax, but now thinking of going elsewhere! I have an existing mortgage with Halifax and I rent my property out and been looking for a resdential mortgage for me and my daughter. I was told it was ok to put a offer in on a property I liked and It has taken them 3 months to tell me I now can not have the mortgage Grrrr......reason being they think I will rent it out. Last year I couldn't get a residential mortgage as I didn't have two years full account as I am selfemployed. So they were going to try a buy to let but I can not afford a 25% deposit! Now I have two years full accounts. I can not win. My property that I rent out is an investment and being let. They are useless like you say. I have written to the ombudsman I am furious. Have nowhere to live. J