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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.85 (175 reviews)

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2.62

Based on 175 reviews, last reviewed 16th May 2025

100% increase in 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

35%

13%

47%

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

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 intere... Read more Reviewed on: 16th May 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 (175)

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

AVOID AT ALL COSTS!

We have been loyal Santander mortgage customers for 10 years and came to move and port our fixed rate mortgage to our new house, only to have Santander tell us after 8 weeks of providing them with various documents etc, and at the point of needing to exchange contracts, that they wouldn't in fact port the mortgage and we'd have to pay them a £14,000 penalty or find a different house to move to. Absolutely disgusting treatment. Don't consider them at all. We have since gone to Barclays who have issued a Mortgage Offer on our new house at a better rate than Santander in SIX WORKING DAYS! Well done Barclays Reviewed on: 1st July 2020

Came up trumps!

Rescued us (by issuing a mortgage offer) just before Covid-19 lockdown, we are now the proud owners of an equestrian property. Thank you so much Santander! Reviewed on: 17th June 2020

No option of payment holidays or defer payments while crono virus crisis

I got Santander mortgage for number years never bothered to change it but now the bad time is here because of Crono virus . I requested for payment holidays or defer the payments but they refused to give any payment holidays . I Will never choose Santander mortgage or any other Santander product again . Reviewed on: 16th March 2020

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