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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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Halifax is part of the UK’s biggest lender, Lloyds Banking Group, and offers a wide range of mortgages.
Here, 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 does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our Halifax mortgage review
Real Halifax customer views
We've asked 744 Halifax mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Halifax's mortgage rates to work out if it's a lender that offers competitive deals.
Halifax placed near the bottom of our customer satisfaction table, but scored five stars for its online access. It also performed well in our interest rate analysis, demonstrating consistently competitive rates across a range of mortgages.
72%
out of 21 mortgage lenders ranked on customer score (joint 16th)
To see how Halifax compares to other mortgage providers, head to our guide to the best mortgage lenders.
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 different 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.
| 80% | Halifax | 72% | 4.2% | £999 | 7.49% |
| 80% fee free | Halifax | 72% | 4.31% | £0 | 7.49% |
| 90% | Halifax | 72% | 4.38% | £999 | 7.49% |
| 90% fee free | Halifax | 72% | 4.49% | £0 | 7.49% |
| 95% | Halifax | 72% | 4.9% | £999 | 7.49% |
| 95% fee free | Halifax | 72% | 5.01% | £0 | 7.49% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Halifax had a sample size of 744.
| 60% | Halifax | 72% | 3.87% | £999 | 7.49% |
| 60% fee free | Halifax | 72% | 4.13% | £0 | 7.49% |
| 75% | Halifax | 72% | 4.03% | £999 | 7.49% |
| 75% fee free | Halifax | 72% | 4.29% | £0 | 7.49% |
| 85% | Halifax | 72% | 4.05% | £999 | 7.49% |
| 85% fee free | Halifax | 72% | 4.31% | £0 | 7.49% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Halifax had a sample size of 744.
| 60% | Halifax | 72% | 3.74% | £1,999 | 7.49% |
| 75% | Halifax | 72% | 3.94% | £1,999 | 7.49% |
| 85% | Halifax | 72% | 4.3% | £1,999 | 7.49% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Halifax had a sample size of 744.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Halifax mortgage customers about their experience with the lender.
Here's how customers rated Halifax in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Halifax had a sample size of 744.
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.
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.
Halifax doesn't publish its borrowing caps, but you can use its affordability calculator to check the size of a mortgage you qualify for.
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.
All of Halifax's mortgages have a maximum term length of 40 years.
Why should you trust Which? research? We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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