Newest Review: ... to lose, I agreed, only then a week later to receive a call from the surveyor wanting to arrange a full valuation at "Halifax' request" complete contradicting what I was previously told. This they did last Friday. I contacted Halifax on the Saturday and spoke to a lovely young girl who informed me that the property value had gone up by £20,000, and as such she could then offer me better rates. The best one was 3.69&. I asked about the early repayment charges and was told "no there are no fees to pay". She said I would only have until the end of this week to complete the forms and return them, so I requested the infor... more
Customer Halifax Reviews (22)
by - written on 24/07/13, updated on 24/07/13 (Useful, 151 readings)
I have a mortgage with the Halifax, I am a first time buyer and went via broker. The only rate he could get for me being single with no mega wage was with the Halifax at a robbing 6.69%. Having been on that rate for nearly a year now and my personal circumstances having changed, I looked at changing the product. I was aware that before the 31st August I would have to pay charges of nearly £3000, but after this date it would be under £2000. I have made numerous inquiries regarding rates, and whilst I could get a lower rate, due to the fact that the loan to value (LTV) was high, it wasn't brilliant. However during one phone call I informed the ... Read the complete review
by JTaylor - written on 08/08/12
A sincere word of warning for anyone who has a mortgage with the Halifax and considering paying it off early! I live on my own and have over the past five years sacrificed holidays and home improvements in order to regularly over pay on my monthly mortgage payments in order to pay off my mortgage early.....or so I thought! I work very hard for my wage, as most of the working population do, well unless you work for the Halifax who are very happy to accept their guaranteed salaries and in some cases large bonuses. I know that I am a little fish in a very large pond but don't I deserve some element of customer care, as without the likes of us they wouldn't ... Read the complete review
by Carl Walker - written on 13/03/11
I applyed for a mortgage via a broker and wanted to go through the vendor gifted scheme which only the Halifax claim they do. We have no debt, Halifax claim to say they do this vendor gifTed scheme but after going through all the checks and recieving a MORTGAGE PROMISE, we got turned down after setting up solicetors and surveyers. We did a bit of investergating with our records as Halifax would not telll us the reason they pulled out. We then realised that we had wrote a date wrong for one of our linked addresses so we applyed again putting correct info in. Again we were accepted and given a mortgage promise. 2 weeks later they declined us. NO REASON. I put a complaint in and all they said was " im not the only one, sorry". WHY GIVE OUT A MORTGAGE PROMISE IF ITS NOT TRUE.
by sanj - written on 12/04/10
The mortgage offer was a good one. The process of applying was good. The process of pushing it through to completion was outright disgracefull. None of the mortgage departments know each other exists, or contact numbers or anything other than the script. Tried to ask for the legal department and ended up at Cheltenham and gloucester 3 times and someone mobile the 4th. They do not confirm faxes, and other documents so the process just sits idle until it is chased by the borrower. I would not recommend it unless you like to exchange bad words. If you have a long time and can afford things to happen eventually and you want to let the mortgage broker handle it them maybe.
by - written on 03/12/09 (Useful, 825 readings)
Once again I write this as a former mortgage adviser so my view is biased from a broker point of view. In my experience I like them as a lender. They are not pedantic, are flexible if you have any post application problems and also are the lender of choice, in my opinion if you have any credit issues. Assuming you have a lot of equity in your home they are one of the better lenders in terms of letting you have a mortgage if you have a history of missed payments for loans or credit cards. In some cases they have even lent to recently discharged bankrupts. Also post application at present they do allow for rate changes, so if a betterproduct becomes ... Read the complete review