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Santander: Mortgages reviews

Name: Mortgages
Rating: 3.41 (194 reviews)

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3.41

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)

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

great product,

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

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