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Santander: Mortgages reviews

Name: Mortgages
Rating: 3.40 (194 reviews)

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3.40

Based on 194 reviews, last reviewed 20th Aug 2026

25% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

37%

11%

46%

Latest highest rating:

5

The mortgage process was simple enough to sort, howe... The mortgage process was simple enough to sort, however the part I like most is the app that comes with it. I can immediately see the monthly cost, ho... Read more Reviewed on: 20th August 2026

Latest lowest rating:

1

Got a remortgage agreed on april 26, house valuation... Got a remortgage agreed on april 26, house valuation also done april 26 , completion for 1st august 26; they send the mortgage paperwork to my address... Read more Reviewed on: 18th August 2026

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About this product

Santander is an award-winning mortgage lender.

Santander offer a range of mortgages for different situations including moving home and remortgages. There’s also a low deposit mortgage where you could get on the property ladder with a £10,000 deposit.

Santander mortgage reviews help you find out what it’s like to be a customer. If you’ve used Santander before, you can also leave a review and share your experience.

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Santander Mortgages reviews (194)

The mortgage process was simple enough to sort, howe...

The mortgage process was simple enough to sort, however the part I like most is the app that comes with it. I can immediately see the monthly cost, how much I owe, I'm able to overpay when applicable and I can see other products and get help when I've needed to. It's very simple to use Reviewed on: 20th August 2026

Good on line mortgage tool for existing customers to...

Good on line mortgage tool for existing customers to change deal Reviewed on: 20th August 2026

Got a remortgage agreed on april 26, house valuation...

Got a remortgage agreed on april 26, house valuation also done april 26 , completion for 1st august 26; they send the mortgage paperwork to my address (nb 3) and my bank card and log in to another address (nb 33) how is this possible i do not know...My solicitor worked everything the background and told me they are really slow (they still use fax machines). Santander asked me for insurance certificates for insulation in June- i send them all of that. On 11th Aug they asked that again via my solicitor - they need it the valuator to change the report to reflect the certificate i send them. on 11th august they told me it takes 3 days and they will release the funds - 7 days later they still have not got the updated certificate... my solicitor and myself ring them every day for the last 5 days and i get the same excuse "we do not control legal and general" so i guess on 1st sept i will need to pay another variable rate fee on my morgage ... they are a joke Reviewed on: 18th August 2026

Had a very good experience renewing my mortgage deal...

Had a very good experience renewing my mortgage deal today. Very helpful staff member Sarah, Leslie and especially Stuart from the sales team. Top notch customer care. Reviewed on: 5th August 2026

Cheapest in town!

Santander offers value for money they are the cheapest in town. Reviewed on: 14th July 2026

We were discriminated against by Santander

We came to the end of a 5 year fixed term mortgage with Barclays. We have a LTV ratio of over 60% and perfect credit scores having never missed a payment. Our mortgage advisor recommended switching to a Santander product, so we applied. They certainly gave us the run around, asking for more and more evidence of income, identity etc, which I found odd given our history, it felt like they were treating us as first time buyers. Then, after months of back and forth they decided to withdraw their offer simply because our household income includes a disability allowance for me as I'm severely disabled. This was pure discrimination. I'm furious that they'd let us pay our mortgage advisor, been through about 4 hours of interviews and sent countless pages of paperwork only to tell us this at the end. So we've been through all of that to stay with out current mortgage provider! Reviewed on: 26th June 2026

We remortgaged our house.

We remortgaged our house. The process was very easy. All the information requested was easy to find and made sense, not like other providers. The process was easy because you caould call people for advice. Reviewed on: 14th June 2026

Just re new our mortgage with Santander, very pleased.

Just re new our mortgage with Santander, very pleased. Reviewed on: 11th June 2026

We decided to port our mortgage, everything was goin...

We decided to port our mortgage, everything was going fine. We received our mortgage offer, 2 days later they started asking for more information. This put us in a very embarrassing situation with our purchase. I tried to complain and spoken to a woman who was so rude and unhelpful with no understanding. They clearly aren’t bothered and do not value their customers. Very very poor customer service to there clients who have had a mortgage with them for years!! Reviewed on: 5th June 2026

DO NOT USE THESE.

DO NOT USE THESE. If I could give ZERO then I would.I’ve been waiting over 4 weeks for a simple porting of my mortgage as they told me supposedly. I’ve had to scan about 20 things over and even after that they don’t contact me back. I’ve chased and chased and chased. Managers won’t speak to you. The underwriters basically can do what they want as slowly as they want as no one can speak to a manager to get anything done. Nearly 5 weeks I’ve been waiting for an answer, I’m being chased by solicitors, by estate agents, I’m holding up a chain and all they can say after an hour on the phone is you cannot speak to a manager as that’s not how we work and I can put a note and someone will come back to you within 2 WORKING DAYS!!!! They are absolutely useless. DO NOT USE!!!!!! Reviewed on: 27th May 2026

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