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Santander: Mortgage reviews

Name: Mortgage
Rating: 3.43 (184 reviews)

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3.43

Based on 184 reviews, last reviewed 19th Apr 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

36%

12%

47%

Latest highest rating:

5

Easy to set up, no issues or problems. Easy to set up, no issues or problems. Statements sent and received always on time and easy to understand. Customer service has always been good to co... Read more Reviewed on: 19th April 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.

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Santander Mortgage reviews (184)

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

Good value

Helpful staff,competive rates.Available to a wide audience. Reviewed on: 11th February 2018

Remortgage was a dream

I was on an old Bradford and Bingley mortgage at a great rate. Shortly after they became Santander we needed to remortgage and they combined the additional amount into one at the same rate we had with the Bradford (no one could come anywhere near a better deal). Reviewed on: 10th February 2018

Best Company

Excellent mortgage company with fantastic rates, have been with Santander for 11 years now and would highly recommend to friends and family. Excellent customer service and there with help and advice when needed. Reviewed on: 8th February 2018

All good

We have fixed tgi mortgage for 5 years at a very good rate. Reviewed on: 15th January 2018

Good service

Was a simple process to obtain a Santander mortgage and we got a competitive rate. Reviewed on: 5th January 2018

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