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Santander: Mortgage reviews

Name: Mortgage
Rating: 3.22 (189 reviews)

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3.22

Based on 189 reviews, last reviewed 26th Jun 2026

67% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

37%

12%

47%

Latest highest rating:

5

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 proc... Read more Reviewed on: 14th June 2026

Latest lowest rating:

1

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 paym... Read more Reviewed on: 26th June 2026

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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 (189)

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

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

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