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Santander: Mortgages reviews

Name: Mortgages
Rating: 3.41 (194 reviews)

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3.41

Based on 194 reviews, last reviewed 20th Aug 2026

25% increase in 5 star reviews

in the past 90 days

400% increase in 1 star reviews

in the past 90 days

37%

11%

46%

Latest highest rating:

5

The mortgage process was simple enough to sort, howe... The mortgage process was simple enough to sort, however the part I like most is the app that comes with it. I can immediately see the monthly cost, ho... Read more Reviewed on: 20th August 2026

Latest lowest rating:

1

Got a remortgage agreed on april 26, house valuation... Got a remortgage agreed on april 26, house valuation also done april 26 , completion for 1st august 26; they send the mortgage paperwork to my address... Read more Reviewed on: 18th August 2026

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About this product

Santander is an award-winning mortgage lender.

Santander offer a range of mortgages for different situations including moving home and remortgages. There’s also a low deposit mortgage where you could get on the property ladder with a £10,000 deposit.

Santander mortgage reviews help you find out what it’s like to be a customer. If you’ve used Santander before, you can also leave a review and share your experience.

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Santander Mortgages reviews (194)

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

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