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Santander: Mortgage reviews

Name: Mortgage
Rating: 3.24 (190 reviews)

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3.24

Based on 190 reviews, last reviewed 14th Jul 2026

100% increase in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

37%

12%

47%

Latest highest rating:

5

Cheapest in town! Santander offers value for money they are the cheapest in town. Reviewed on: 14th July 2026

Latest lowest rating:

1

We were discriminated against by Santander We came to the end of a 5 year fixed term mortgage with Barclays. We have a LTV ratio of over 60% and perfect credit scores having never missed a paym... Read more Reviewed on: 26th June 2026

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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 (190)

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

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

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