Write a review

Go to business site

Santander: Mortgage reviews

Name: Mortgage
Rating: 3.43 (184 reviews)

View other Santander products

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

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 (184)

Affordability criteria

Application was completed as an existing customer. Initially I was informed it was not affordable despite the payments being lower than the existing mortgage! If the new value wasn't affordable how was I managing to pay a higher amount for the previous 8 years as a customer? Nearly abandoned process and went to another provider. Reviewed on: 30th May 2017

Ease for first time buyers

We ended up with Santander mortgages through a mortgage broker. It was our first property purchase and we had no idea what was out there or what half the financial jargon meant. Santander happened to be the cheapest. Our mortgage offer was accepted and they were great with communication. We had several questions in terms of repayment and fees. These were all explained to us thoroughly (in terms we could understand) and followed up in writing. They also advised on a bank account we could use that would give us cashback on our mortgage payments and other bills. I found these extra bits of advice really helpful and seemed like they cared about the best products for their customer rather than just pushing the products. We were on a fixed rate mortgage which was great for first time buyers as it gave us time to get established and understand our bills and an indicator of how much we had coming in and going out each month. When it came to renewing our mortgage as the fixed term had run out, we did shop around, but Santander continued to be the best for monthly payments (and we fixed for 5 years). They again followed up all conversations with confirmation in writing in terms that can be understood by those without a financial degree and I find that in-store the staff are really knowledgeable. I like the fact that they allow an overpayment of about 30% I think before you incur any fees. I think it encourages overpayments on your mortgage. We did have to pay slightly more each month for having a fixed deal for 5 years (this went up from 1 yr, 3 yr and 5yr) but this was minimal for us and gave us peace of mind. I wouldn't hesitate to get more of their products and renew my mortgage with them. I highly recommend them to friends and family who are looking for mortgages as well. Reviewed on: 7th May 2017

Perfect

Easy to sign up, manage and know what is going on! Highly recommended Reviewed on: 2nd May 2017

Understanding

The Santander Mortgage customer service team are very well trained, polite and understanding of your circumstances. I would recommend getting a mortgage with them to anybody! Reviewed on: 26th April 2017

Great Rates

Always has had the best rates when we've renewed our Product deal Reviewed on: 7th April 2017

Mortgage

Never had any problem with them and staff are always very helpful. Received a lovely welcome package when we moved in. Reviewed on: 10th February 2017

morgage

great mortgage advice, great customer service, friendly, act quickly to queries, no problems, would reccomend Reviewed on: 8th February 2017

Good customer service.

Very positive experience of customer service with our mortgage. Reviewed on: 2nd February 2017

Affordable fixed rate mortgages

Santander were fantastic in helping me and my partner start our process into first time buyers mortgage. I also have other products with santander and wouldn't go anywhere else. Reviewed on: 27th January 2017

good rates and the only mortgage company I've used that rewards loyalty

Good deals and advice from mortgage adviser Reviewed on: 21st December 2016

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

Fixed Rate Mortgage
from NatWest 4.57 from 203 reviews
Mortgage
from Accord Mortgages 3.68 from 21 reviews
Tracker Rate Mortgage
from Halifax 4.31 from 14 reviews

Want to see more from Santander?

Basic current account
from Santander 4.35 from 332 reviews
Cash ISA
from Santander 4.35 from 81 reviews
Zero Credit Card
from Santander 4.26 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