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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.81 (178 reviews)

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2.52

Based on 178 reviews, last reviewed 11th Nov 2025

No new 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

34%

12%

49%

Latest highest rating:

5

Abdul Khan in mortgage sales I just wanted to sa... Abdul (Khan) in mortgage sales I just wanted to say thank you again for your professionalism, patience, guidance and help with changing my mortgage ... Read more Reviewed on: 12th May 2025

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 (178)

Terrible customer service

Don't waste your time. Unless you have a big income (more than £90k) and have been in the same job for 3+ years, then don't waste your time. Reviewed on: 14th January 2021

Dont waste your time - agreed and then refused.

We submitted our mortgage application 10 weeks ago and are at the point of exchange. Santander have asked question after question, which we had immediately answered and filled in every form they asked us to, but each re-submission takes 7+ working days for them to assess. Don't know why they are unable to ask all additional questions in one go? I have a LTD company with full accounts and my husband is PAYE. I was starting to worry 3 weeks ago (still waiting for the offer) after reading the reviews on this site, however, my broker managed to contact them and they provided an offer via email, which we were happy with. 3 weeks later, they have now refused to offer and have left us in an awful situation, where we are likely to lose the house we are buying. I wish they had been upfront with us, as we would never have wasted our time. Santander have been the only stressful part of our move process and we should never have applied to them, despite what our broker advised. We are devastated now and will have to try to pick up the pieces with another lender. However, who knows if we'll be able to do it in time.... Reviewed on: 30th December 2020

First time buyers - agreed a mortgage then took it away from us.

My partner and I were extremely happy in November when we had the great news that our mortgage application had been accepted and we can carry on the process of buying our first home (which we had found) We needed to reduce our mortgage by £5K due to an agreement with the seller of our property to which Santander “with drew” our mortgage. Their reason being that we are now in a Tier 4 area (COVID-19) and by looking at our occupations they can see that my partner is currently not working due to the pandemic and they cannot risk giving us a mortgage. How heartless can these people be... no wrong doing of us.. taking away people’s dreams due to a pandemic. Disgusting. Never use this company. Go with another bank who don’t punish you due to a pandemic out of your control. We had a mortgage agreed with an expiry of March 2021 how can a company just take that away from you when you are asking for less than originally agreed. Reviewed on: 29th December 2020

Will waste your time use a decent Broker

After providing everything they requested and having previously never been rejected for any other mortgage provider Santander was the first had me waiting for weeks then to gave a lame excuse never again so many bad reviews for a reason!!! Reviewed on: 22nd December 2020

Disappointed and let down

applied for a mortgage on 23rd September through a broker, amout of £167k with 15% deposit 8 weeks of waiting they kept asking for documents after documents after documents! Then I’m informed they cant lend as in 2018 I moved from sole trader to limited company (doing the same thing) and can’t guarantee my income from history. Its most frustrating that for mortgage/borrowing purposes that lenders struggle with a change of trading entity. 8 weeks wasted jumping through hoops. Appalling service. Reviewed on: 20th November 2020

mortgage

i applied for a mortgage on 18th August through a broker, the affordability was all good , a amout of £167k . After 4 weeks of waiting they kept asking for documents after documents! Then suddenly the affordability dropped from 167k to 108k !!! Made no logical sense !!! Il say dont put yourself through this stress ! Not worth it Reviewed on: 4th October 2020

Never use this organisation

Unbelievable customer experience over 1. 5yrs off living hell trying to deal with our mortgage, maybe just maybe if staff would take time to do the basics like reading the computer screen in front of them it just might help them understand the consequences of there actions, but no they don't, any agreements made with advisers will not even be followed by Santander, the staff just can't follow through, you will be lied to on multiple occasions and they will transfer money without permission or authorisation in fact they go against policy and banking regulations and will expect you the customer to sort out there mess Reviewed on: 13th August 2020

Easy remortgage, lovely staff.

Santander have always been competitive and easy to reach. They explain everything in leymans terms and therefore I wouldn’t leave them! Reviewed on: 27th July 2020

Don't honour deals

So I was planning to swap to Santander from RBS as part of th Business Banking Switch where switchers get £4000. I registered my interest and called up and went in store, they started the ball rolling with a phone application booked in. This never happened and I called to find out why, they weren't sure why it was missed and rearranged, them Coronavirus hit and it all grinded to a halt. Now things are calming down I re-registered my interest and once again called up and went in store, however this time I was told that they were not accepting new applications at that time due to coronavirus (this was at the time of my last message 20th June) This seemed reasonable and so I had been waiting to hear back that they are accepting applications again however I have now been informed by RBS that they have left the scheme and now I am now never allowed to apply for it. I called them again and they have said they won't honour it or an equivalent deal. Because I've spent so long trying to set up an account with them there are no banks in my area in the scheme anymore Reviewed on: 23rd July 2020

Continuing to request documents after documents after documents... Never ending!!

I am currently applying online for a mortage... Request for documents are never ending!! We both work full time and in good jobs... All the usual documents were sent and we get a message telling us they have all the info they require.. Yet... They then come back asking for more!!! Each time we send them what they ask for and the same happens again!!! It's happened 3 times now and if they don't get their ars into gear we will loose this property! Very poor company... We should have gone elsewhere! Reviewed on: 16th July 2020

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