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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)

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

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