Halifax Mortgage

Halifax Mortgage
★★☆☆☆
2.0
28.0% of users recommend this
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Latest Reviews

“Rude and abrupt handlers ”

★☆☆☆☆

written by Xkatiemx1 on 28/07/2023

Called up to change due date, not actioned and payment take on original due date. When called up to resolve the handler was argumentative and rude. Can’t wait to move mortgage provider and not have to deal with the lack of support from this company

Was this review helpful? 1 0

“Unreliable”

★☆☆☆☆

written by Marlee292 on 14/07/2023

I have applied for a mortgage which eventually went through and the mortgage was offered 3 months ago, everything has since been going well until we are about to exchange contract and complete within 24 hours when they called my Solicitor to put a hold on completion while they do further checks. They eventually came back and withdraw the offer a day before completion which I think is very cruel, they could have completed all their checks and refuse my mortgage application before approving the loan and giving me a mortgage offer. A family friend suffered exactly the same fate from them This is just the trait of a Company who is highly inefficient, incompetent and disorganised.

Was this review helpful? 1 0

“Excellent service, by mortgage advisor”

★★★★★

written by Ben64scaty1 on 13/04/2023

My mortgage advisor was excellent, from start to finish, she made the process very easy, she was very patient, my mortgage application wasn't straightforward but she was fantastic & I got the mortgage offer, she is an asset to Halifax & I would recommend her

Was this review helpful? 1 0

“Avoid”

★☆☆☆☆

written by leegilding84 on 25/02/2023

Halifax will lure you in with amazing customer service etc etc but once you have signed a contract with them then that it where it ends. You have nothing. They will do their very best to make it harder for you to switch mortage to another lender. They seem untouchable when held to account. Never again will I deal with Halifax. Only out to help themselves

Was this review helpful? 1 0

“Worst mortage lender ever ”

★☆☆☆☆

written by 412Kenny on 03/10/2022

Worst bank in the world ! Id give zero stars if that was an option. Applied for our mortgage back in June the advisor advised everything looks great and took about 4 weeks to complete the application then disappeared all of sudden ..after chasing for about 10 days no response via email I called their call centre they were hopeless! They told me the person is off sick for long term but actually sent my application to the back office / under writers etc then I had so many calls from their manager who made awful amount of errors and we eventually lost the house and now got a huge bill from the solicitors. I only instructed the solicitors as they have told me to. THEN I made a complaint and the complaint handler didn't pay any attention to the customer service faults and their shortcomings! And fogot about what i asked for as a resolution! I have asked them to pay solicitors fee and get the motage application through but they dont care! Taking them to the ombudsman! AVOID at any cost ***

Was this review helpful? 3 0

“Don’t even know their own policy’s ”

★☆☆☆☆

written by Abbottsd243 on 07/06/2022

Got an agreement in principle from them and phoned to make sure it was right as we have a weird situation of being full time carers to our disabled kids. Was told they would accept all benefits and great we had a large deposit. Long story short after 3 months of looking for a property and being told we can lend you more than you need. They now say we can’t lend to you. Apparently to risky as our kids are disabled and could die and we wouldn’t be able to pay mortgage even though I told them kids have autism , no life limiting conditions. No interest in helping. Only an apology for the staff not knowing they won’t accept the disabled. They should just say online go away you don’t matter. It would be much easier.

Was this review helpful? 4 0

“First class mortgage support”

★★★★★

written by Hollowaybj337 on 05/01/2022

We have a mortgage with the Halifax which we've had for more than 7 years without any problems. We have decided to move house and needed an agreement in principle which we completed online. We made an error in completing the form, so rang in and spoke to B.C, a mortgage consultant, who immediately sorted out the issue and emailed over the agreement in principle then and there. He was polite, friendly and very reassuring. It reminded us why we stay with the Halifax for our mortgage. Thank you for your help tonight - much appreciated.

Homeland112's Comment

Written on: 16/07/2023

What kind of credit checks did you get ? What questions do they ask xx

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“Horrible people ”

★☆☆☆☆

written by JimboPM on 21/10/2021

Banked with them 20 years and wouldn’t help me one little bit. Offered me an AIP for 161k then when we went to branch offered me 112k! Zero debts and good background. Horrid people and terrible bank. Closing all my accounts with them ASAP. Avoid them :(

Was this review helpful? 1 0

“Disgusting treatment ”

★☆☆☆☆

written by CarleighOgle42 on 14/06/2021

Avoid a mortgage with this awful company. I wanted to continue paying mortgage after partner left. I paid it all anyway. No said the Halifax . You can’t afford it. Because of their hard nosed attitude I will be forced to sell and pay twice as much in private rent as what the mortgage payments were. 3 children involved here.How in anybody’s book can that be right. They couldn’t give a damn. Shame shame shame on your sorry despicable policies

Stephany321's Comment

Written on: 29/04/2022

I just realised that the customer service in Halifax in every area are different. Not all people makes the job properly and friendly which one create problems for people who do the mortgage.

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Was this review helpful? 7 0

“Coronavirus payment holiday refused ”

★☆☆☆☆

written by Nohelpatall on 13/03/2020

Just phoned the Halifax to get a 2 month payment holiday which is part of my mortgage deal and was refused. Due to being late on a couple of payments in the last 12 months , I’m not in arrears.. Only wanted the break as I’m self employed and am worried about the Coronavirus and if I catch it will struggle to make my payments.. Thanks a lot Halifax.. I’ll just have to carry on working regardless and maybe either spread it about or worst case die..

Donnarennie's Response to Nohelpatall's Review

Written on: 19/03/2020

SNAP just phoned the Halifax to request a payment holiday. As I was made redundant and have four children to feed . Ex partner is self employed and is unable to work. Refused because I have arrears so have been basically told if I was well off could have this payment holiday BUT the real people who are on low incomes have to pay. No help unless your Rich

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Was this review helpful? 3 0

“Great customer service”

★★★★☆

written by BevHilary on 13/08/2018

These guys went out of their way to make sure that my house completion happened on time. I know that most banks get a bad rep but Halifax really did help me out. Sometimes it is worth getting to know the local branch staff!

Was this review helpful? 1 0

“Avoid Halifax mortgage”

★☆☆☆☆

written by Cdne on 30/04/2018

After being Halifax customer for 11 years, top credit score, never missed a payment ever and took big loans in the past that were paid on time, halifax turn me down saying that couldn't verify my income. I m with the same employer for 6 years and wages go in my halifax account. The mortgage advisor was very unhelpful and looked tired when i asked him on updates. Wasted 21 days and a credit check. I m trying Natwest now who seems a lot better and ask questions rather than simply declining.

Was this review helpful? 4 0

“They do inspections just for money not to give money”

★☆☆☆☆

written by on 07/12/2017

Sound like they want to cheat people. I have applied to mortgage. They dud principle. And told that i will get mortgage and done inspection of the house. But after 1 month they declined giving me mortgage!!! Just as excuse i didn't had enough yearly income. To tell this they took more then 2months. If they dont want give mortgage then why they inspection. Just to eat my 499 pounds? Very bad experience and bad bank.

Was this review helpful? 3 0

“Dont Bother they should be paying you to use them”

★☆☆☆☆

written by 262Hayes on 04/08/2017

As the previous lady mentioned no communication at all unless your ring them. Then they don't give you right information at all or you cant get in touch with your mortgage adviser. I have had to raise two complaints to get the information that I have from them. I have a lovely email chain from my advisor and when I told the complaints department there delays have cost me money, sorry we are within our four week for a remortgage. If you are brave enough to go thru them and get her ring back again to get someone else. Then again don't use the Halifax if I wasn't so far down the line I would go elsewhere. I don't feel valid as a customer

Was this review helpful? 2 0

“Shocking!”

★☆☆☆☆

written by Katylam on 28/07/2017

Shocking service! In total have spent 8hrs on the phone and two weeks to try and sort a remortgage with them as an existing customer. No reply from the mortgage sales advisor, only find out more info is needed every time I call no proactivness from them on contacting me. Disgusting! 9yrs I've had a mortgage and account with them and I think it's time to change! 3 times I went into the branch to change my married name, you raise an official complaint and nothing gets auctioned. Basically if you want a quick seem less mortgage service go elsewhere! They are awful.

Was this review helpful? 0 0

“brilliant service ”

★★★★★

written by nitew4tcher on 19/03/2017

Just cannot fault them excellent service and communication from start to finish. Brilliant. They responded fast and efficient and dealt with my broker in a professional manner. We got a excellent rate even with slight credit history issues. Highly recommended

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“Phenomenal service! ”

★★★★★

written by Carlat13 on 22/01/2017

The team at the Croydon branch was amazing and such a pleasure to work with. We did the application on Saturday, and the mortgage was approved on Monday! Throughout the process, she kept us informed as to what was going on and what it meant - mortgage speak isn't our forte! The moving in present we received was a cherry on the top of what had already been an amazing service. When I think of my previous experience with another lender, Halifax would be my first choice every time.

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“Outstanding - Offer in 7 days for remortgage”

★★★★★

written by Anahi1953 on 10/01/2017

The Halifax were appointed via my mortgage broker (L&C - exceptional brokers) and were excellent. I have a high debt ratio due to home improvements, although I didn't have any receipts etc. Explained the high credit debt and loans, provided full details and asked for an extra £60k borrowing on the mortgage, as wanted to consolidate. Zero issue or judgement. The legal team Enact appointed by Halifax were very efficient and the process was exceptionally good. In the end I moved from rubbish BOI at 4.39 to Halifax at 1.29. If you have bad credit or high credit balances (poor credit rating), do not worry and be completely honest. The Halifax use common sense and are very fair.

Was this review helpful? 1 0

“Tim”

★☆☆☆☆

written by Perezyk98 on 05/12/2016

I am applied for mortgage was quicker with broker. But taking long time to approved from Halifax. we did not get any proper anser from call center which they didi not know anything time scale. we dont know what is the progress of the application. other bank will do it withen 48 hrs replay. Halifax is very slow. I think Snell is better speed then Halifax.

Was this review helpful? 1 0

“Nothing but excellent”

★★★★★

written by DashawnHolland439 on 04/12/2016

Ok I see many bad reviews on here for HBOS... My experience with this company obtaining a mortgage was nothing but excellent. The reasons Speed Administration Customer service They even sent a welcome pack when we moved Ignore all the negative here , they are the biggest lender in the country for a reason.. Will stay with them also. Excellent service

Was this review helpful? 1 0

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Asked by escared on 26th June 2016 Report this content
Mortgage rates seem high and don't know if to go for a two or a five year fixed rate. Could anyone advise?

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Asked by Xenanetty on 24th April 2015 Report this content
I have an AIP from Halifax for a mortgage. I have a 25% saved deposit. I have today made the full application and they found 2 items on my credit report first one is 4 late payments with t-mobile that go back to 2008 but t mobile updated my report in 2010 therefore it shows up, and 3 late payments from last year for Very catalogue these were due to there statement dates changing month to month so due dates for payments varied hence it may be one or two days late! This soon went on to DD once I realised I had late payments on my account. What do you think the chances are of being approved they haven't declined just wanted to know why they were paid late . I am borrowing £315,000 with a £105,000 deposit if this helps. Thank you

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Answers (1)
Report this content learnerdriver Written on: 29/04/2015
Just put it nicely in writing explaining how it happened and you've learned from this, so won't happen again. Highlight that u have no debts and ODs now. They asked me to explain a late payment from some 5 years ago, so it seems like routine Qs. Hope it helps, the main thing is to be honest and explain well.
Asked by Radix on 23rd February 2015 Report this content
Please put my mind at ease, I've had a mortgage promise from Halifax even though I advised them of several late payments on credit cards this year, no arrears, ccjs or default, this was due to an elderly parents ill health and helping to pay medical bills, (they live abroad) as their UK pension hadn't come through. Is it likely I would still get a mortgage offer? I shall be putting down a deposit of £300,000 and only looking to borrow between £100,000-£110,000. My current mortgage is with Halifax and all payments made on time.

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Answers (1)
Report this content learnerdriver Written on: 24/02/2015
you're putting down a hefty deposit and provided you submit a written explanation of your late payments, you should be fine, especially you've already got a mortgage promise and already have a mortgage with them. If you paid it on time, I don't see anything like a couple of late payments on credit cards be much of a problem
Asked by Kouser103 on 25th August 2014 Report this content
Six months ago we got a Halifax mortgage. We are thinking of getting second mortgage. Can we let out our first property? If not,  then how long do we need to wait to let out our property?

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Answers (1)
Report this content Sickov_Anti-service Written on: 27/08/2014
Technically yes. However this is up to the lender. You should write to them first, explaining why you want to do this (wanting to make more money is NOT a reason). They also may change the first mortgage to a 'buy to let' - this could incur fees.
Asked by carian3393 on 17th July 2014 Report this content
Hello everybody! Quite worried now about my Mortgage after looking at all of these reviews. My partner and I have just yesterday sent off our full application through a broker and Halifax have only asked for our 3 month pay slips which I think for a start is going to come back and bite us in the behind! We have 5% deposit some gift some savings. We are using help to buy Wales meaning they give the additional 20% to make it a 75% LTV. We both have good credit scores, no defaults but previously used payday loans a few times for emergencies (but read that Halifax are normally okay with this) I need to know how bad they really are? We have an estimated exchange date by the building company of the 1st of August do you think it will be done by then? It is the house of our dreams and would be devastated if we lost it because of their inability to keep within time frames! Thanks to anyone who responds!

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Answers (1)
Report this content Adele92 Written on: 18/07/2014
Hello there, Only someone who works at Halifax would be able to comment on how quick they will be able to process it. They did ask for a few things from us - but from application to offer was about 4 weeks. They asked for 3 payslips from us both and 6 MONTHS worth of bank statements from me?! I think its because my credit score was just ok - not brilliant. My partner had took out one pay day loan before which I wasnt happy about 2 years before but they didnt query it. However Halifax did turn round and ask for a Gifted Deposit Letter so they know that the funds were gifted. Tbh Halifax messed us around - they issued the offer and sent it out - then withdrew the offer - despite us already instructing solicitors and paying surveying fee's etc. Luckily our broker was on the case and they could not explain why they had withdrew the offer so had to re-issue a new one. Near the end my solicitors were waiting on a hard copy of the mortgage offer. Good luck!
Asked by Ellisjack on 10th April 2014 Report this content
Does Halifax do 6 month decision in principle?

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Report this content pinkprincess693 Written on: 11/04/2014
Yes, mine from 2012 was a 6 month DIP luckily as it took 5 months to all go through.
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