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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.75 (184 reviews)

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2.75

Based on 184 reviews, last reviewed 19th Apr 2026

400% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

36%

12%

47%

Latest highest rating:

5

Easy to set up, no issues or problems. Easy to set up, no issues or problems. Statements sent and received always on time and easy to understand. Customer service has always been good to co... Read more Reviewed on: 19th April 2026

Latest lowest rating:

1

Very poor service. Very poor service. After passing credit checks and affordability checks the underwriters refused me a mortgage that I had had for 20 years on interest... Read more Reviewed on: 11th November 2025

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About this product

Santander is a bank that offers a range of financial services, including savings, credit cards, insurance and mortgages. Santander has a variety of mortgage products to suit your needs and preferences. Make sure you’re confident with the terms, conditions and interest rate of a mortgage deal before applying. If you’re unsure, consult the lender or an independent advisor.

Your home is likely the largest purchase you’ll ever make, so finding the right lender and mortgage is important. At Smart Money People, we collect Santander mortgage reviews from genuine customers.

Find out which mortgage product customers have taken out and how satisfied they’ve been so far. Learn more about the application process and how supportive Santander was throughout. Find out whether existing customers would recommend Santander and its mortgage products to family and friends. All of this and more can be found in our Santander mortgage reviews.

Perhaps you’re already a Santander mortgage customer? Share your honest experience with others on Smart Money People. Tell us why you chose Santander as your lender and which mortgage deal you chose. Don’t forget to include some details about the application process: did Santander help you clearly understand everything? Has the lender kept you up to date with any key mortgage news or changes? What has your experience with the customer service team been like? Whether good or bad, write a Santander mortgage review today. Together, we can help people like you make better decisions.

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Santander Mortgage reviews (184)

Easy to set up, no issues or problems.

Easy to set up, no issues or problems. Statements sent and received always on time and easy to understand. Customer service has always been good to contact Reviewed on: 19th April 2026

Santander good choice for mortgages

Santander made completing the mortgage application very easy. Affordable and quick to complete.Good customer service and reliable information. Online services were easy to use and remortgaging was very easy and quick using online services. Reviewed on: 17th April 2026

Fast efficient remortgage offers to existing custome...

Fast efficient remortgage offers to existing customers which where a good competitive rate , with no legal or remortgage fuss and no brokers fees Reviewed on: 16th April 2026

Having just recently gone into another 5 year fixed...

Having just recently gone into another 5 year fixed rate for my mortgage with Santander the process and continuation from start to finish was excellent! Customer service was second to none always trying to help me find the best deal very professional, polite and helpful. Thankyou! 10/10. Reviewed on: 24th March 2026

15 Years of Hassle-Free Service with Santander

I’ve had my mortgage with Santander UK for 15 years and couldn’t be happier. I’m currently 2.5 years into a 5-year fixed deal, and everything has been smooth, transparent, and reliable. Great service, clear communication, and consistently competitive rates. Highly recommended. Reviewed on: 19th February 2026

Re-mortgae with Santander seamless

We have a buy to let mortgage and went with Santander very professional Reviewed on: 22nd January 2026

Very poor service.

Very poor service. After passing credit checks and affordability checks the underwriters refused me a mortgage that I had had for 20 years on interest only with this bank on a coercion technicality. Even the mortgage advisor was incredulous-one person's decision he said. Please go elsewhere to avoid disappointment and a lengthy drawn out process. Reviewed on: 11th November 2025

Avoid Santander at all costs

I’ve had my mortgage with Santander for 12 years and only missed a payment once, when there was an online banking issue with my bank, People’s Bank after it was acquired by M&T. I called Santander and explained that I paid it on time, and had a letter from the bank, so they waived the late fee. Come to find out, that is the ONLY time they will waive it during the 30 year term!!! So fast forward a few years to present day when all my accounts at TD Bank are compromised, my money stolen, recovered, new accounts set up, and I call Santander to explain what happened a couple days after to be sure my payment was received and explain what happened, and learn that the bank returned my payment, so I sent a new payment that day and then paid the following month. Now, this is at the end of the summer as a teacher and single mother of 3, with very little money to begin with, so those 2 checks cleaned me out until I started getting paid again. How did Santander respond? $40 late fee and not one, but 2 notices of intent to foreclose on my loan, which took 12 days to arrive in my mailbox. Shameful. I will never do business with this company again, and will tell everyone I know to do the same. Reviewed on: 20th September 2025

New level of Awful!!

To get a mortgage they are ok, they were very slow at a time interest rates were going up which cause a higher rate. They also advised I would port a mortgage and get a new one and later merge them which after all is not correct. And now that I finally just got 40% equity they reduced the home value so the deals on offer are lower. Smaller houses then mine for for more than their pathetic valuation… this just confirms they are ok to get you in and hope you lazy and not intelligent and stay with them while they rip you off Reviewed on: 28th July 2025

Don't use Santander.

Don't use Santander. My re-mortgage application took 5 months (and still ongoing). Santander is basically a thief, they put me on high variable interest rate (8%) and keep delaying process to steal more money. Absolutely don't recommend. Reviewed on: 16th May 2025

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