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

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 ***

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.

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.

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 :(

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

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.

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.

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

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.

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.

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.

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

Spoke to someone on the mortgage line after hanging on for 10 minutes. Just wanted to be sure that a mortgage could be approved within a 4 week time scale as the property developer said that exchange of contracts had to be done 4 weeks from the reservation of the property. All that kept on being repeated to me was that completion took between 4 to 12 weeks. It appeared that the difference between exchange and completion had not been heard of by this 'advisor'. A very frustrating call to say the least. Next I will try a branch to see if an answer can be had.

The worst customer service I have ever experienced. Firstly, a mortgage adviser booked an appointment in December 2015 for me for 5th March 2016 as my fixed term was coming to an end, I wait 3 months get to the branch and gets told there is no appointment booked and no one is available to see me on the day. Moreover, the staff at the branch instead of apologizing just kept on saying there is no appointment (in a robotic manner). He was then apparently not available wand wasn't going to be as apparently leaving for the US for a few weeks! Then as I left the branch furious the staff creepily walk behind me like i'm some sort of criminal. Absolutely disgusting behaviour from the staff at the branch on Humberstone Gate branch in Leicester I then did a bit of shopping around and found HSBC with an incredible low rate, booked a meeting in with them and must I say their customer service is excellent. Halifax if you're reading this, shame on you! When you screw up appointments and make loyal customers wait 3 months an apology is mandatory at the least! The staff at Humberstone Gate branch in Leicester are totally unprofessional. I would strongly advise either new or existing mortgage customers to avoid Halifax mortgages at all cost! This officially was the worst customer service I've ever experience and goes without saying I'm in the process of moving my mortgage.