Write a review

Go to business site

Santander: Mortgage reviews

Name: Mortgage
Rating: 3.43 (184 reviews)

View other Santander products

3.43

Based on 184 reviews, last reviewed 19th Apr 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

36%

12%

47%

Latest highest rating:

5

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 co... Read more Reviewed on: 19th April 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

Read all reviews Write a review

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.

Review Santander: Mortgage now

Help others make smarter decisions by sharing your own experience.

Write a review

Santander Mortgage reviews (184)

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

Can't fault them

I have long had a fantastic experience with Santander Mortgages. I have fell on hard times in the past and they have been nothing but helpful. Can't fault them. Reviewed on: 5th June 2019

Santander Remortgage - Appalling

Started our mortgage review on 29 March 18 and the amounts and decisions keep changing from the mortgage advisor to the underwriting, had to change from repayment to interest only back and forth each stage takes 5 days, it is now 2 May 19 and still do not have a decision. With all the technology available and after several 40 minutes telephone calls, that the next steps takes over 10 days. The next chase up call I have been advised that due to Easter they are running 2 days late so 7 working days then next stage., Reviewed on: 2nd May 2019

Awful service

We initially had no problems not until we remortgaged and despite doubling our income over 5 years Santander would not let us remortgage for anymore when we wanted to move home. It seems they penalize you severely for having one child even though they are in school. They have no mortgage advisers in branch either. Reviewed on: 23rd April 2019

Very good customer service

Always helpful and give the best product for our needs Reviewed on: 9th February 2019

Do you have a different Santander product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Bridging loan
from Roma Finance 3.63 from 2 reviews
Fixed Rate Mortgage
from Halifax 4.32 from 167 reviews
Mortgages
from Harpenden Building Society 3.38 from 18 reviews

Want to see more from Santander?

Basic current account
from Santander 4.35 from 332 reviews
Cash ISA
from Santander 4.35 from 81 reviews
Zero Credit Card
from Santander 4.26 from 21 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub