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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)

No problems

Good service, regular info sent through the post, good offers Reviewed on: 6th December 2017

Mortgage done simply

We've had a mortgage with Santander for over 6 years, it has been very competitively priced, fees explained clearly and each end of term we've received new offers in good time to compare with other providers. Circumstances mean we are sticking with Santander on this product but they give us no bad reasons to change either. Very smooth transaction every time. Reviewed on: 7th November 2017

great service

Very helpful with low fees and very quickly gotcthe mortgage agreed Reviewed on: 21st July 2017

Simple Mortgage Process

I've been with Santander for many years now, I previously would switch lenders after every term but Santander have proved competitive and easy to use so I have stick with them for the last two mortgage terms. Reviewed on: 15th July 2017

Excellent

Took out a mortgage with Santander and they were very helpful though the whole process. Would thoroughly recommend to first time buyers unsure of their options! Reviewed on: 4th July 2017

Easy application and friendly service

Santander were really friendly and helpful when applying for our mortgage. The process was simple and efficient. Took a lot of the stress out of moving house Reviewed on: 19th June 2017

Mortgage

Customer service very poor, not helpful. Reviewed on: 12th June 2017

Very good lender with good rates

Good mortgage rates. Ability to see mortgage balance online alongside credit cards etc very good service. Reviewed on: 3rd June 2017

Terrible, terrible, terrible

My wife and I used to bank with the then Abbey National. They were great, then Santander took over and the quality of service dropped like a stone. Call centres were moved abroad, we couldn't understand each other. We were able, when with Abbey to take a payment break on our mortgage when I fell ill and lost my job. Not with Santander we couldn't. It was as if they just wanted your money and didn't give a stuff about customers. We decided enough was enough and moved to Alliance and Leicester, things were great again, customer service was top notch, we could get all of the great things we had before. Then disaster struck, Santander took over Alliance and Leicester. We can't move our mortgage at the minute due to a default on 1 missed payment to a different lender. Service is bottom drawer, they don't listen and don't care or understand your requirements. We don't feel like customers we feel like numbers there is no personal customer experience. Reviewed on: 1st June 2017

Poor service

Very poor service, difficult to talk to. Would never use again, even if they had cheaper rates Reviewed on: 1st June 2017

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