Halifax

We had a mortgage with Halifax since we first bought our flat in 2003, as they were offering the most competitive deal at the time. When our initial lock in period was over we went to see them and found that even though they were no longer that competitive it wasn't worthwhile switching as the relatively low level of mortagage debt meant that exit fees would cancel out any saving from better rates. I was not impressed with the advisor we saw. Maybe she was having a bad day but she seemed undynamic and uninterested as well as not very competent. She didn't seem to know her products very well and had trouble using the computer system, although I, having watched ...  Read the complete review

I recently remorgaged with Halifax - even though I was still reeling from the huge loss in value of the shares I received when it converted from a Building Society. Previous Mortgage ----------------------- THis was with the Mansfield Building Society and I found that even though interest rates were plummeting, Mansfield passed hardly any of this on. With 11 years still to go - this was unacceptable so I looked around for better deals. Searching ------------ I looked on MSE, investigated their findings then went to a comparison site. It was all a bit daunting. I was thinking about all the information when I got ...  Read the complete review

We got a tracker mortgage with the Halifax in July 2008. It is BOE +0.68%. They have been fantastic with us, the purchase of the house was straightforward, the customer services when you call up are excellent, and their call centres are in the UK. They have dropped our tracker rate with the BOE rate, despite a collar applying, so our mortgage has dropped by over £300 a month, which is fantastic for us. We want to continue to overpay by this £300 a month, and all it took was a quick phone call to the Halifax to arrange this. On our mortgage you can overpay by up to 10% per year without incurring charges. Our tracker deal ends in 2.5 years, when we go on ...  Read the complete review

We have moved house a number of times, and have always gone either with the Nationwide or the Halifax for our mortgage - this is because they offered the right product, responsibly at the time, rather than for any loyalty to the Halifax as a company. Taking the last time we moved, about 5 years ago, we searched the marketplace for a new mortgage. Granted, the credit crunch had not crunched at that time, and plenty of other providers were offering huge income multiples with next to no deposit, and Halifax, via their Intelligent Finance arm were offering up to 10 times earnings as a multiple.....but Halifax in branch, were very responsible in my ...  Read the complete review

I agree with Sara Hemissi.

We had a similar problem and it nearly lost us our dream house too.

It got so bad that I had to just up sticks for a week and head to the ski lodge to get away from it all.

We got our house at auction in the end but it was a very stressful time.

I hope everything worked out for you in the end Sara, it sounds like your heart was really set on the house and it would have made everything just perfect!

Take my advice, if things ever get on top of you in the future, ski lodge or horses are the cure (albeit temporary, I mean they just paper over the cracks really).

Anywa y the whole thing was an eye-opener, I felt cheated. And no one likes feeling cheated.

Thank you,

Richard.