Mortgage rates are currently much higher than homeowners have been used to for the past 15 years.
If you're thinking of buying a home or need to remortgage this is likely to impact you.
For the latest news and advice on dealing with inflated mortgage rates, see the below stories, which are regularly updated:
If you're worried about making your mortgage payments, see our guide on what to do if you can't pay your mortgage .
We analysed which lenders combine competitive mortgage rates with good customer service.
We found that Halifax offered fewer market-leading deals than most of the competition.
In addition, its customers gave it a score of just 64% - leaving it 14th of the 22 lenders we assessed.
Halifax Mortgages review
Which? Customer Score
Joint 14th out of 22 mortgage lenders
Which? Customer Score
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
The table below shows how Halifax performed in our latest mortgage satisfaction survey, which gathered feedback from Halifax customers about everything from the application process to value for money.
Star ratings based on a July 2023 Which? survey of 3,450 members of the general public in which 375 people told us that they had their mortgage with Halifax.
Find the right mortgage using the fee-free service provided by L&C Mortgages
If 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.
Halifax is part of Lloyds Banking Group (LBG), which owns brands such as Lloyds Bank , Bank of Scotland and Scottish Widows. LBG is the biggest mortgage lender in the UK.
When we checked in September 2023, there were 159 mortgages available from Halifax. Most 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 or 10 years.
A smaller number of mortgages offered by Halifax were tracker deals, with initial terms lasting two years before reverting to the lender's standard variable rate.
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Which? analysed thousands of mortgages over a four-week period in August 2023.
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 appearances per week . However, Halifax averaged just two appearances, meaning it rarely offered the cheapest deals. (Data source: Moneyfacts.)
Halifax will lend to first-time buyers at 60%, 70%, 75%, 80%, 85%, 90%, 95% and 100% loan-to-value (LTV) . Existing homeowners are limited to 95% (if buying a property) or 90% (if remortgaging).
Halifax doesn't publish its borrowing caps, so you'll need to speak to the lender or your broker about how much you might be able to borrow in relation to your salary.
All of Halifax's mortgages allow customers to pay back the loan over a maximum term of 40 years.
Halifax's deals allow you to overpay up to 10% of the mortgage balance each year, before an early repayment charge (ERC) is triggered.
Mortgages from Halifax are available directly and through mortgage brokers .
Halifax can be contacted on 0345 850 3705.
. You can also visit in-branch.
Find the best mortgage for you, with expert help provided by L&C Mortgages
Find the best mortgage for you, with expert help provided by L&C Mortgages
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