Halifax mortgage review and rates

Halifax is part of the UK’s biggest lender, Lloyds Banking Group, and offers a wide range of mortgages.

It's been in the news recently, as buyers in England and Wales are now able to experience a fully digital homebuying service.

Here, we explain who can benefit from the latest development, plus you can find out what Halifax mortgage customers thought about its service, what our expert analysis uncovered about its range of deals, and the best Halifax mortgage rates on the market right now. 

This article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.

Halifax in the news - fully digital homebuyer service

In April, Lloyds Banking Group announced that it had partnered with the estate agent Connells Group and conveyancing service LMS to launch a fully digital homebuyer service in England and Wales. 

Connells Group estate agents own more than 80 brands, such as Abbotts, operating in the East of England, Fox & Sons, with branches across the south coast, and Bridgfords, which can be found in the North. It has more than 1,200 branches nationwide.

The new service aims to create a 'slicker, clearer [and] simpler process' by:

• Sellers becoming 'digital sale ready' earlier, with property, ID and material information captured up front by Moverly. 
• Source-of-funds checks made earlier in the process, confirming buyers’ ability to buy sooner. 
• Reducing admin - for example, ID verification required just once, removing repetitive requests.
• Ensuring the conveyancer has access to key information (ID, searches and source of funds), reducing paperwork and speeding up the process. 

However, not everyone will be able to use the new service. Borrowers will only benefit from the changes if they're buying a residential property in England or Wales involving Connells Group estate agents, LMS‑panel conveyancers and Lloyds Banking Group as the lender (Lloyds Bank, Halifax or the Bank of Scotland).

Lloyds has indicated that it may partner with further agents and conveyancers in future.

The new homebuyer service doesn't cover residential property purchases in Scotland, which has different laws and procedures from England and Wales. For example, in Scotland, buyers are provided with more information upfront through a Home Report. This document includes a single survey and valuation, a property questionnaire and an energy report. 

• Find out more: House surveys

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Is Halifax a good mortgage lender?

To see how Halifax compares to other mortgage providers, head to our guide to the best mortgage lenders.

Does Halifax offer the best mortgage deals?

Which? analysed thousands of mortgages, using Moneyfacts data, over eight weeks in the summer/autumn of 2025. We compiled a series of top 10 cheapest deals tables, based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average was five table appearances per week. Halifax averaged seven appearances per week. This suggests it consistently offered competitive rates for a range of mortgage scenarios during our analysis. 

You can see the mortgages Halifax is currently offering to first-time buyers, home movers and remortgagers in the tables below. 

To see how Halifax compares with other mortgage providers, head to our guide to the best mortgage rates and deals, which is updated every day.

Halifax mortgage rates for first-time buyers

Halifax mortgage rates for home movers

Halifax mortgage rates for remortgaging 

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Halifax customer satisfaction scores

We asked Halifax mortgage customers about their experience with the lender. 

Here's how customers rated Halifax in various areas of service:

What do customers think about Halifax? 

We also collected feedback from Halifax mortgage customers. 

This was generally positive. Many customers told us they have had 'no issues' with the lender and that the process of getting a mortgage was smooth. Another theme of customer comments was that a Halifax mortgage is 'easy' to manage. 

The majority of comments that focused on customer service were positive. One customer told us that the customer service is 'very helpful'. Of the small group of customers that weren't happy with the customer service, one told us that they experienced a 'long' wait time to contact customer services.

Halifax mortgage lender FAQs

What types of mortgage does Halifax offer?

When we checked in September 2025, there were 293 mortgages available from Halifax. The vast majority of these were fixed-rate deals, meaning your interest rate stays the same for a set initial period.

Halifax mortgages had initial periods of two, three, five and 10 years.

A smaller number of mortgages offered by Halifax were tracker deals, with initial terms lasting two years before reverting to Halifax's standard variable rate.

How much could I borrow from Halifax?

Halifax doesn't publish its borrowing caps, but you can use its affordability calculator to check the size of a mortgage you qualify for.

Does Halifax offer green mortgages?

Halifax offers £250 cashback for mortgages on homes with an EPC rating of A or B. Halifax also offers cashback for making green home improvements. For example, if you install an air source heat pump, you could earn £2,000 cashback, or £1,000 cashback for adding solar panels. 

• Find out more: Best green mortgages

How long can the mortgage term be?

All of Halifax's mortgages have a maximum term length of 40 years.

• Find out more: Mortgage calculator toolkit – use our range of calculators to compare mortgage deals, work out how much you can borrow and more