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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.81 (178 reviews)

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2.52

Based on 178 reviews, last reviewed 11th Nov 2025

No new 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

34%

12%

49%

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

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.

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Santander Mortgage reviews (178)

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

Very professional and efficient

I have been a mortgage customer with Santander for many years, and will stay with them due to their excellent service Reviewed on: 4th January 2019

Better than other mortgage offers

Better mortgage and service than I have known friends to receive from other banks. Reviewed on: 14th December 2018

No customer service

I ended up with Santander because I had the mortgage when I was married. Trying to extend my leasehold, they demanded I use their lawyer and pay for theirs and mine as well. Customer service sucks. I would really spend more to get more elsewhere. BEWARE. Reviewed on: 12th December 2018

Straightforward

Kept well informed throughout the process. Good customer service when I needed to speak to a person. Reviewed on: 9th December 2018

Brilliant mortgage rate and rewarded on 123 account

Fabulous efficient easy to use mortgage application service included in a bank account reward. Reviewed on: 7th December 2018

Cheap

Great value and easy to organise mortgage. Reviewed on: 8th November 2018

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