Write a review

Newsletter

Go to business site

Santander: Mortgage reviews

Name: Mortgage
Rating: 3.24 (190 reviews)

View other Santander products

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

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 (190)

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

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

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

Mortgages
from Melton Building Society 4.58 from 297 reviews
Mortgages
from Marsden Building Society 4.47 from 142 reviews
Mortgages
from Chelsea Building Society 4.02 from 3 reviews

Want to see more from Santander?

Cash ISA
from Santander 4.35 from 84 reviews
Basic current account
from Santander 4.28 from 337 reviews
Car insurance
from Santander 4.28 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