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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.83 (179 reviews)

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2.55

Based on 179 reviews, last reviewed 22nd Jan 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

35%

12%

48%

Latest highest rating:

5

Re-mortgae with Santander seamless We have a buy to let mortgage and went with Santander very professional Reviewed on: 22nd January 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.

Santander Mortgage reviews (179)

Review of the Santander, Mortgage:

Stressful and Delayed Mortgage Process!!

Took 7 weeks to complete my mortgage application. It took one week for them to book me an appointment with a Mortgage Advisor. Then it took another 2 weeks as they kept asking for more and more documentation. Each time I would submit a document, it went back in the queue to be reviewed by their validation team. Then my application goes to the Head Office for further checks. This takes another 2 weeks (and every time I called for an update they would say they cannot escalate as they cannot contact the Head Office). Then the Head Office asks for additional documents! I submit the documents immediately and it of course goes back into the queue to be validated. Finally my application goes to the underwriters, I call continuously, speaking to the sales department, my mortgage advisor and then the complaints department, literally pestering them until they progress the application to the next stage - that is to the Mortgage Centre that organise the valuation. The Mortgage Centre only book a valuation for 5 days later, when I call to escalate this, the process to get anything escalated itself takes 15 working hours.. My mortgage offer only comes through 2 days before completion date. Reviewed on: 8th July 2021

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

great product,

A fair deal, all detail online & on app. great way to manage your mortgage Reviewed on: 11th January 2020

I found them to be very easy and straightforward would use them again and would recomend to others

As a customer I found they supported me and made the process very easy, I wasn't too happy with their free legals but this is not down to them so overall I was fairly satisfied. Reviewed on: 13th December 2019

Best Mortgage Ever

Mortgage rate of 0.49% above the base rate, never been able to beat this for the last 15 years. Reviewed on: 22nd November 2019

Underwriting process is terrible when they have to pay to broker

I wouldn't suggest any one to go with this bank for first time buyers. You will found yourself in a hell and on the top if you applied through broker, these people will put you in a terrible situation where you will be ending up with nothing but just losing credit history and time. So i will suggest you not to use this bank especially if you are a first time buyer. Reviewed on: 4th November 2019

mortgage with Santander

application starting on the 2nd of October,still waiting for approval, they seem to be behind witch I feel it's not professional.i do not recommend using them for a mortgage. Reviewed on: 31st October 2019

Going through Prostate Cancer They decided on a Repossession Order for very little Money lots of equity.Heartless

Decided on a repossession order whilst I am going Through cancer.My Home worth at worse value £1.2 million I owe a Little over £200k Heartless Reviewed on: 31st October 2019

Save money pay off mortgage early

I have a mortgage with Santander which has the pay off early option. But the fee to pay off early is currently £667 ! The mirtgage is almost finished now. But i cannot pay it off without paying this hefty bill. Reviewed on: 24th July 2019

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