Halifax Mortgages

Halifax Mortgages

... By the time I rang the Halifax, I was ready to give up and expected a rejection. I struck it lucky! In fact, the very friendly helpful telephone advisor told me that a lot of students buy houses through them. They operate on the guarantor system as well, but there are no bold minimum salaries ... Read review

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Reviews of Halifax Mortgages »

1-5 of 18 reviews of Halifax Mortgages Show all reviews

Helped me where others failed

Advantages: very friendly helpful staff, can offer services to the likes of me (!) whereas otherlenders wrote me off as a liability
Disadvantages: none really

...I was confident that the Halifax would give me the best mortgage deal.

At the next appointment, an application of £30,000 was run through the system as an example. More and more details were being put on file. It seemed my application would be approved, and once the business advisor had later passed my application the mortgage advisor went to a lot of trouble to let me know about it, ringing me at 8pm from her home after she’d ...
...time!

The Halifax has lots of mortgages available, and the one that caught my eye was the 5 year fixed interest mortgage, with the interest fixed at about 1% higher than the Bank of England's current interest rates. So for the five years of my course, I would be paying a fixed monthly sum and it would only start to vary with the current interest rate when I had started working. This would equate to paying rent, as that’s a fixed ... more

judithritchie 28.04.2001
Ciao members have rated this review on average: very helpful
Review of Halifax Mortgages

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Losing A Good Customer

Advantages: Seem Good At The Time
Disadvantages: Beware Small Print And New Deals

...know the heading is the Halifax but I’ll come to that). The Leeds had a branch in our village and a nice little man who wanted to help us. We saved the necessary 10% deposit, and he advised the balance would be best served by an endowment mortgage. Now we all know many endowments are now not making enough to pay off mortgages, but so far, touch wood, ours seems to be ok. Having said that I have memories of being told it would pay the mortgage ...
...A few years later the Halifax took over the Leeds Building Society and therefore also took over our mortgage. In 1997 we moved house, taking with us the profit from the sale of the old house to put on the new property. As the Halifax was due to announce giving shares to its customers, it was in our best interest to stay with them and also not to have a break in the mortgage. That way we also qualified for Halifax shares. I think it amounted to something ...

milmol 23.11.2002 · Read full review
Ciao members have rated this review on average: very helpful
Review of Halifax Mortgages

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THEY MADE ME A THOUSAND POUNDS BETTER OFF

Advantages: Great service from the biggest lender
Disadvantages: There are still one or two better deals out there

...an appointment with my local Halifax branch for 7pm the following night (yes! 7pm - they open until 8pm in the Trafford Centre!). On entering what is a very large branch, I wandered over to a reception point to make the only visible member of staff aware of my presence. I was advised that my Mortgage Adviser, Carole, would probably be 15 minutes or so as her previous appointment was over running. I did not really mind, especially as the supplied ...
...early and let me know Halifax charge a similar figure of around £125 in the same circumstances - standard practice grrrr. She then delved a little further in to my circumstances asking me what I planned to do with my £83 a month. To be honest, other than enjoying more money in my pocket, I had no plans. She asked me how comfortable I was with my Standard Life endowment policy. I admitted that I would prefer guarantees rather than relying on Standard ...

daveops 23.04.2003 (24.04.2003) · Read full review
Ciao members have rated this review on average: very helpful
Review of Halifax Mortgages

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Halifax Mortgages

Advantages: good for 1st time buyers
Disadvantages: did not offer a good rate after fixed term ended, overcharge customers

...of having a mortgage with Halifax and am not reviewing Halifax and it’s services as a whole. I am very much aware that for some they have had a great experience with them, but for me after being a loyal customer for such a long time. I felt that they had let me down and recently I realised that I had overpaid when my mortgage came to an end and successfully received a refund from them. Halifax is a leading building society and has been providing ...
...of Halifax for over 10 years as my parents insisted when I was younger that I had a Building Society savings account (at the time it was the Little Extra Club) so that when the time came for me to get on the property ladder, it would make it easier to get a mortgage if I already had an account with them. So the time came in 2001 when my now husband and I went to Halifax for our first mortgage. We chose Halifax as they were very competitive at the ...

sweetdaisy 21.10.2006 (19.08.2007) · Read full review
Ciao members have rated this review on average: very helpful
Review of Halifax Mortgages

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Xtra hardship from the Halifax

Advantages: I see no advantages of using the Halifax
Disadvantages: The information WE recieved from them was incorrect and misleading

The Halifax have recently spent vasts amounts of money on there new advertising campaign. This is where my opinions on the bank start. In 1990, my wife and i took out a mortgage with the Halifax for £30k. It bought us a nice 2 bedroom terraced house which was ideal for a first time buyer. The area was, at the time, very respectible. Unfortunately, soon after the prices of houses fell, the area went to the dogs! Various types of unwanted fellows ...
...5 years, went to the Halifax and asked them for help in getting out! Our financial situation had changed for the worse and the only solution they could come up with was to sell up and pay off the mortgage! This was not to be the case. We waited 3 years before we had our fisrt interested buyer!! They declined. More help was sort from the Halifax, who this time told us to "Voluntary vacate" the property by giving them the keys back!!!! This at the ...

cobnutty 29.01.2001 · Read full review
Ciao members have rated this review on average: very helpful
Review of Halifax Mortgages

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Extremely unimpressed

Advantages: Big - if that's an advantage
Disadvantages: Inefficient, slow, right hand doesn't know what the left is doing

...moved our mortgage from the Halifax after five years. Actually, we started with the Leeds, which was organised somewhat better and which knew how to treat its customers. At Halifax, you're a number and not a name. You don't deal with a branch, you deal with central administration. And each time you call you get a different answer. When we moved house a year ago, we considered moving our mortgage as well, and called the Halifax to find out whether ...
...to be told by the Halifax that we were not outside our tied period and that they would demand three months' payments as a penalty. This year, we remortgaged, and once the process was advanced we asked the Halifax for a completion statement. It never came. Our solicitor also asked, and it didn't come. Three days before completion the solicitor faxed and phoned, was assured that one would be sent... and it didn't come. Finally, on the day of completion, ...

quadruped 06.12.2000 · Read full review
Review of Halifax Mortgages

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Misdirected cheque at Halifax Mortgages, 2007

Advantages: None
Disadvantages: Dishonest mortgage staff

I had a very bad experience with Halifax mortgages. Sorry this goes on a bit... In the summer of 2007, I realised I could pay off my mortgage, 15 years into a 25-year mortgage. I was over the moon. Being naive (I don't pay off mortgages very often!) I asked them how to do it. Their man said - "send us a cheque". This I did, then the trouble started. A couple of weeks passed and no acknowledgement of the cheque so I called them to ask for some sort of comfirmation. They sent a photocopy of the cheque. Next I had demands for missed payments and was told to ignore them as the system was slow to catch up. Another demand came in and I called at Huddersfield branch to sort it. Staff there were very helpful and called all the right people but there was an anomaly of some sort. I showed the Halifax lady my photocopy and she noticed ...

Shytalker 08.08.2008 · Read full review
Ciao members have rated this review on average: very helpful
Review of Halifax

Halifax Ultimate Reward Current Account

Advantages: That you get all the benefits as well as still earning 6% interest
Disadvantages: The monthly fee, though not extortionate compared to similar accounts elsewhere.

There is an account available through the Halifax now which is available to new AND existing current account customer's which comes with a bucket load of extras AND an extremely competitive interest rate of 6%!! Yes there is a monthly fee of £10, however the benefits one can receive amount to approximately £800 a year. Worldwide Annual Multi Trip Travel Insurance for the whole family, RAC Breakdown cover, Mobile Phone Insurance, Home Emergency Cover to name but a few of the brilliant benefits available, as well as discounts on Halifax home and car insurance, extra interest on your savings and bonus payments when taking out a Halifax loan or mortgage also available. As an existing current account customer I was pleased to find that I could upgrade very easily to this account with no changing or account details. ...

PINKLADYRLE 08.08.2007 · Read full review
Ciao members have rated this review on average: somewhat helpful
Review of Halifax Accounts

Halifax are quick to repossess

Advantages: eliminates the idiot landlords
Disadvantages: evicts the innocent tennants with nowhere to go - and they dont care either

my previous landlord had a halifax mortgage - but they obviously didnt ask the right questions and it was easy to lie to them as he did not get a buy-to-rent mortgage and i ended up getting turfed out only 8 weeks later - and it had taken 5 of those weeks to try to find out what had happened and find me a new home so i didnt become homeless. they reposessed the property in the end. he didnt pay the mortgage for 6 months and there were no other warnings sent other than debt collectors knocking on my door when i was at work - it was very frightening. i had the locks changed and everything, and didnt sleep for weeks thinking people would come in and take my stuff - they obviously thought he was living there - to which he still claimed he did in order to buy the property in the first place. they are easily deceived, but quick to ...

cj_1986 11.11.2008 · Read full review
Ciao members have rated this review on average: helpful
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