I found Halifax as a lender to be pretty good overall (Halifax)

Member Name: owlypowly

Product:	Halifax
Date:	17/07/01 (195 review reads)
Rating:

Advantages: Convenient, Staff friendly, Many options available

Disadvantages: £50 fee for release of deeds!

I have taken out two mortgages with the Halifax - the first in 1995. Although the initial application process was longwinded and involved a two hour interview session with a member of the Halifax, I have never experienced any problems with them as such - maybe that was because my mortgage repayments were always made on time! One criticism I would make however, is when I sold the property that was the subject of this mortgage, the Halifax charged me £50 to release the Deeds to my solicitor!! I thought that was pretty mean!! Apart from that, however, the service provided was fine. They lent me slightly more than other Banks/Building Societies were prepared to offer which really helped out as I didn't earn a great deal of money at the time.

I have recently taken out another mortgage with them on a different property. Because I have had a mortgage withthem previously, my application was carried out over the telephone and via the post - much more convenient. Maybe it is early days yet to be able to tell what they are going to be like as this mortgage has only been running for 4 months. So far, so good though. The funds were released on time, my mortgage application was processed speedily and the staff were very helpful. I also bought the property through Halifax Property Services - they were also very efficient.

Overall, I would definitely recommend Halifax to others.

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