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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.83 (179 reviews)

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2.56

Based on 179 reviews, last reviewed 22nd Jan 2026

100% increase in 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

35%

12%

48%

Latest highest rating:

5

Re-mortgae with Santander seamless We have a buy to let mortgage and went with Santander very professional Reviewed on: 22nd January 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

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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.

Santander Mortgage reviews (179)

Review of the Santander, Mortgage:

Worst Company Ever! Avoid if you are a first time buyer

My Partner and myself recently applied to Santander for a new mortgage on the help to buy scheme for new build properties. They gave us a promise that their is no problems whatsoever and we can proceed to find a new build property. after we have found the new-build, our dream house that ticketed all the boxes, we proceeded to complete the mortgage application. After an initial yes, and got all the other paperwork and solicitors and everything else in order, paid for the survey and all these things, they suddenly withdrawn the mortgage. just like that! It was not a affordability issue or a credit issue. after a lot of fighting with them we eventually find out that the underwrites had the wrong address history and they could not find us on the credit file and then declined it on that basis. The address was correctly given on the application paperwork. it is clear that someone in administration has made an error and typed 54 in stead of 45. Stander will not review or accept the appeal. "they sympathise with our situation and can clearly see that it was a innocent clerical error however we can not appeal the decision. Our decision is final and it is because of the incorrect address history" Even though it was their error, they refuse to take another look at his application. We also are not getting any money back. WE have lost £1000's in fees both with the solicitors and the builders that we are not getting back, and we have lost our house because the builders does not want to wait for a new mortgage application being done with a new lender. Because the computer is saying "no" because the computer was given inaccurate information Santander says NO. Even-though they have acknowledge that there was an error, they still say no. Never in my Life have I dealt with an company that was so in-human and bullying as Santander. I am at a loss for words to the this. If you are a first time buyer, please avoid like the plague, they will cost you a lot of money that you may not have and will take you years to save up again. Thanks for ruining this for us Santander. You are truly part of these evil banks that we all have got to known these past years. Reviewed on: 6th March 2015

Cheap

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

Remortgage Application

My husband and I applied for a remortgage with Santander in June 18. We were apparently accepted in principle and have since been messed around with/by them. Initially it was the low valuation on our current property now it’s the actual offer, which we’ve been waiting for, for weeks. We went through a broker who say he’s equally as frustrated with them as us. He has other customers that are in similar situation to ourselves. What is going on with this bank? Why such poor customer service? Why such terrible reviews? We’re considering not bothering with this bank and taking my custom elsewhere! Reviewed on: 25th September 2018

The worst Bank in the world

I have been a customer of Santander for over 20 years. They treat you like shit and couldn't care less if you were an old and loyal customer. Their customer service is woeful and appaling Reviewed on: 17th September 2018

Worse decision

Total rip off bank No one should go with Santandrd mortgage Reviewed on: 15th September 2018

Able to get a mortgage, seems good

Swift response to quote/ support/ completion requests. online portal for information. good rates Reviewed on: 6th June 2018

Still waiting

Mortgage application lodged via our mortgage advisor 9 days ago and still not heard a thing, myself and my husband have barely slept a wink with worry and our move it date is in 3 weeks! If I'd know it would take this long to even get an acknowledgment I'd have went elsewhere Reviewed on: 23rd May 2018

Good customer service and products

Helpful customer service when remortgaging, clear and useful information given to us. Fast responses when needed. Would recommend. Reviewed on: 22nd May 2018

Easy

Easy to deal with, competitive rates & could not be more helpful Reviewed on: 10th April 2018

Very quick process

We applied in branch on Saturday 20th January 2018. Telephone interview with a mortgage advisor on Wednesday 24th January 2018 mortgaged offered and paperwork with my solicitors by Friday 26th and mortgage offer received by us on Monday 29th. All completed on Thursday 15th February. Would definitely recommend Santander and our solicitors Jarmans based in Sittingbourne, Kent. Reviewed on: 16th February 2018

Efficient

The whole process was brilliant. Moving day was awful, my buyers bank was a nightmare so I noticed Santanders trouble free transaction all the more Reviewed on: 11th February 2018

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