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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.64 (181 reviews)

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2.64

Based on 181 reviews, last reviewed 24th Mar 2026

300% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

35%

12%

48%

Latest highest rating:

5

Having just recently gone into another 5 year fixed... Having just recently gone into another 5 year fixed rate for my mortgage with Santander the process and continuation from start to finish was excellen... Read more Reviewed on: 24th March 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 (181)

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

A really simple process with a personal touch

It was so easy to apply for a competitive rate from Santander - their communications was top notch and the cherry-on-the-top was a lovely gift sent to welcome me to my new home! Reviewed on: 19th December 2016

Helpful mortgage company

Their customer service is first class. They helped us in a very difficult life situation so that we could keep our home. I wouldn't ever change provider. Reviewed on: 14th November 2016

low income earners

If you become a low income earner and you Mortgage tied up with "Santander Mafia" the only way they offer to help you is by HIKING your mortgage rate three times "the highest in the land", despite honouring all your payments and commitments to them and having less than 15% the value of my property borrowed from them. they using AFFORDABILITY clause to crucify the venerable knowing he have no options. " they would not dare do this to higher income earner" TO FUTURE "O.A.P": BEWARE OF SANTANDER AND SWITCH,they have no mercy or loyalty if you have small pension. Reviewed on: 30th October 2016

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