Halifax Mortgage Reviews

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Halifax Mortgage

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Latest Reviews

★★★★★

“Very smooth experience”

Written on: 15/09/2014

I have to admit, I applied for our mortgage (first time buyer) with some trepidation after reading the reviews on here. Now I don’t know if we were lucky, or if we just happened to have a particularly efficient local branch but the whole process has been an absolute breeze. I called the store and was given an appointment to speak to the mortgage advisor the next day. The appointment lasted around an hour during which time we were offered the mortgage in principle on the spot (apparently at… Read Full Review

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★☆☆☆☆

“Avoid at all costs!!!!!!!!!!”

Written on: 14/09/2014 by aston15 (2 reviews written)

If I can get at least one customer to NEVER take out a mortgage product with this company then I will be happy. The stress and misery this company has caused my family goes beyond anything I have ever experienced in my life. My story goes back 3 years when I was single living alone in a property mortgaged by the Halifax. I met my partner and she had two young children and only lived in a small property. It made sense after a while for them to move in with me as my house was bigger. My partner… Read Full Review

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★☆☆☆☆

“NOT GOOD ENOUGH you should look after your customers”

Written on: 10/09/2014 by Misaeld203 (1 review written)

Having been Halifax customers for years, me and my wife have just come out of a bad 10 year Fixed Mortgage deal hoping to get a better deal when eventually getting through on the phone (had no choice but to use phone as they dont bother seeing existing customers in Branch) we were put through a grilling and Forensic check on all outgoings, we have never missed any Payments or missed a beat on any outstanding debts in fact we have scored the highest Credit Rating you can have yet the Halifax… Read Full Review

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★★★★★

“fast service”

Written on: 22/08/2014 by 297Parker (1 review written)

I m self employed and have got over 60% of deposit of the property value .After waste 6 weeks on Santander then decided go halifax . They been given me a very good services only took me 2 and half weeks to get mortgage offer and I move to my new property in 6 weeks . Happy moving ! Thanks a lot to halifax!… Read Full Review

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★★☆☆☆

“Infuriatingly slow and incompetent”

Written on: 30/07/2014 by 389O'Sullivan (1 review written)

We applied for our mortgage 5 weeks ago this Friday and are still yet to receive a formal offer. We're buying a new-build property that is due to be completed towards the end of the year, but as with most new-builds, the developers have pushed for a 28 day exchange of contracts. Ha! Not much chance of that! I've lost count of the number of times I've had to chase our mortgage adviser for updates and confirmation he's amended things on our application after certain details changed (like the… Read Full Review

Mikearrow's Comment

Written on: 31/07/2014

I am a chartered independent financial adviser and passed my CEMAP exam a number of years ago. My wife is a staff member at "The Halifax" We have an interest only mortgage on our home and used this mortgage to buy investment properties which we let out.

We are not green in respect to financial services !!!

We have repaid circa £35K of our mortgage over the past three years.

I visited the branch on the 9th May to review the rate on our mortgage and re-fix the deal for a further two years. As of today 31/07/214 things are still not sorted. Total incompetence from the staff that I have dealt with. I have been told this morning that I will have to re-visit the branch to sort things out as my loan to value is an issue. They have confirmed that the LTV is 50% so what is their problem as all their literature states max LTV of 60%. If this is how they treat staff then god help customers !!!!!

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★★★★★

“Brilliant”

Written on: 28/07/2014 by Trickysue12 (1 review written)

After 8 and a half weeks, from application to being approved. Yes I was stressed out, mainly due to reading bad reviews. Our mortgage advisor was very good, kept us informed even when we were on holiday! She says applications taking longer due to new rules of acceptance and more people applying. Very very pleased as we can now move to our lovely new house. Well Done Halifax… Read Full Review

Bimblehead's Response to Trickysue12's Review

Written on: 01/08/2014

I wrote a review recently - see below about avoiding the Halifax and then I got my offer. But even now when I have my offer there are still delays because I am receiving a gifted deposit. There is no problem with this apparently but getting the Halifax to send out a letter to the solicitor confirming they are happy is a nightmare - a week on and still waiting for this bit of paper that is apparently a technicality for the £5K from my dad. Eight and a half weeks is also too long to wait for a mortgage frankly and I know from friends of mine that there are many other companies who are much faster than that. I am very very lucky that the person whose house I am buying hasn't put it back on the market - and there is still the chance he might do as I know he can't afford to wait much longer.

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★☆☆☆☆

“Just Don't Do It”

Written on: 26/07/2014 by Mooneyos209 (1 review written)

However tempting it might be, just don't go through Halifax for your mortgage. They will put you through undue stress and you will probably lose the property you are purchasing. We have been trying to get an offer since April. They did the evaluation very quickly, then everything fell silent until we began chasing them up. We have been phoning and e-mailing them multiple times a day, but they never respond (e-mail) or we never get through to anyone (phone). They have made error upon error upon… Read Full Review

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★★☆☆☆

“Technical issue”

Written on: 25/07/2014 by Kristian152 (1 review written)

After applying through Halifax for our mortgage several weeks ago we are still awaiting our offer... We initially pulled out of our first property application due to poor survey results. I was informed a change over to our pending purchase would be straightforward. This has not been the case, since the update we had problems with the Halifax system over the valuation fee. After several days we were told this was resolved and paid the fee, survey completed and sent on 18th July. On 22July I was… Read Full Review

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★☆☆☆☆

“WARNING Long delays - avoid the Halifax and go elsewhere”

Written on: 21/07/2014 by bimblehead (1 review written)

I am having the same problem with the Halifax as all these other reviewers Mortgage Promise was very fast, appointment booked for MMR interview - again that was all sorted within days. The Halifax happily took £1500 to book the mortgage as well as £300 valuation fee. A valuation was done within 48 hours. But since then a nightmare. They kept lying saying they had sent a form to my employers to fill in when they hadn't done. Eventually they sent it but now there are more delays. I am supposed… Read Full Review

Suedee1's Response to bimblehead's Review

Written on: 23/07/2014

Where abouts are you? We are in Sheffield, did the application in branch and approved straightaway, sent off, then came back a few weeks ago. then branch are saying been with underwriters approx 2 weeks now. Process upto now taken 8 weeks!! Our moving date etc. is 29 august, so worried!

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Bimblehead's reply to Suedee1's Comment

Written on: 24/07/2014

I am in London but never visited a branch - I did the whole thing over the phone. Ironically yest, day after writing this, the full offer arrived in the post. It has taken six weeks from MMR interview approval. I think I expected it to arrive faster because the first part of the application - promise, full chat and then valuation was done so fast so didn't expect any sort of delay. It would be good if Halifax could give more of an estimation of time scale. Had they warned it would be a while - maybe they are very busy - then I wouldn't have worried so much, could have told everyone in the chain and wouldn't have written the review I did.

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Irenefennell's reply to Suedee1's Comment

Written on: 25/07/2014

Our survey was done on 17th June and ours is still with the underwriters no reply yet!!!

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★★★☆☆

“HOW LONG HAVE WE TO WAIT?”

Written on: 21/07/2014 by SUEDEE1 (1 review written)

Getting worried now, placed an application with Halifax 7 weeks ago, now it is with underwriters (has been with them 10 days), Our moving date etc is looming, 29 august. Any advice on how much longer we are likely to wait for an answer. ?? … Read Full Review

Irenefennell's Response to SUEDEE1's Review

Written on: 23/07/2014

we have been waiting 5 weeks for an offer, our broker keeps calling them for an update but they just say it is with the underwriters. So I think you will be waiting a little bit longer. They are a nightmare company to work with...

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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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