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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)

Fixed Mortgage

No hassle mortgage been with them since took over Alliance & Leicester Reviewed on: 26th June 2016

Very quick

I got a mortgage 8 months ago with Santander, they offered me the most money compared to all the other high street banks, and gave me a free home valuation too. The valuation took place 3 days after I walked into the branch, I know other banks take weeks to organise this. There was a fee of £500 for the mortgage but it did not have to be paid upfront it could be added to loan or paid 2 weeks after mortgage starts so if the property fell through you wouldn't lose any money. Also £250 was given towards legal fees too, def worked out the cheapest options and the interest rate I am paying is very competitive and the lowest on market. Reviewed on: 24th December 2015

easy to arrange

well informed on choices and products available,easy to arrange and pleasant phone calls. best mortgage deals around,would recommend to all Reviewed on: 24th December 2015

Overall quite good

My review is really about the good level of service I have received as part of my mortgage. Would say that although my branch staff seem to have changed a lot more since the Abbey National days, the service remains friendly but professional which is all you can ask for these days. Reviewed on: 19th November 2015

got the original mortgage with them in the bank and remortgaged with them when was up for renewal. friendly helpfuk staff

took the original mortgage out with them in the bank. have banked with them for a few years so was easier but the rates were very good at the time, felt secure too. any time i have needed to speak to them in bank or by phone they have been helpful and relativly clear Reviewed on: 7th November 2015

Can't really fault Santander experience.

After changing mortgage providers three times previously I switched to Santander in 2011. I like the security of a fixed rate and after much research decided Santander offered the best deal for me. In 2014 when my three year deal came to an end I again spent quite some time weighing up my options. All things considered I thought that Santander was again the way to go and agreed a further three year fix. Of course next time I will still shop around but I have got to say that I've found all my dealings and communications with Santander to be straightforward and simple. Reviewed on: 30th August 2015

good

good rate moRtgage and because I have a 123 account I get cashback on it which makes it cheaper Reviewed on: 27th August 2015

Helped me sort my mortgage with no problems

Santander has been my mortgage provider since 2011, during this time I have had 2 fixed mortgages with them. I found the initial set up straightforward, although I did have help from a broker to do this. They gave a very competitive rate at the time, and all went very smoothly with the purchase of the house. I called them when the first fixed term was up, and asked what they could offer as a remortgage, and they again were able to offer a very competitive product, and I continued as a customer. The process, again, was very straightforward, My experience of their call centre for arranging this was ok, however sometimes it took a while to get through to a person, and on one occasion I got through not long before closing time and was asked to call back the next day, which I was not impressed by. I insisted that someone call me back so that I didn't have to sit on hold again, and they did. Once I was able to speak to someone, I found the staff very helpful. Although I have a fixed product, I am able to make overpayments of up to 10% per year, which I can do either in the branch or over the phone. When I have called to do this or make enquiries about how much I can over pay, my experience of using the call center has been positive. Overall, if they are offering you a good rate, I would say they are worth looking into for a mortgage. Reviewed on: 25th August 2015

Really room for improvement here

before beginning a Santander mortgage application I think everyone should do research. I found the santander application too long and information is not always clear, but didn't want to drop the application and start again somewhere else so continued with it Reviewed on: 1st July 2015

Worst Company Ever! Avoid if you are a first time buyer

My Partner and myself recently applied to Santander for a new mortgage on the help to buy scheme for new build properties. They gave us a promise that their is no problems whatsoever and we can proceed to find a new build property. after we have found the new-build, our dream house that ticketed all the boxes, we proceeded to complete the mortgage application. After an initial yes, and got all the other paperwork and solicitors and everything else in order, paid for the survey and all these things, they suddenly withdrawn the mortgage. just like that! It was not a affordability issue or a credit issue. after a lot of fighting with them we eventually find out that the underwrites had the wrong address history and they could not find us on the credit file and then declined it on that basis. The address was correctly given on the application paperwork. it is clear that someone in administration has made an error and typed 54 in stead of 45. Stander will not review or accept the appeal. "they sympathise with our situation and can clearly see that it was a innocent clerical error however we can not appeal the decision. Our decision is final and it is because of the incorrect address history" Even though it was their error, they refuse to take another look at his application. We also are not getting any money back. WE have lost £1000's in fees both with the solicitors and the builders that we are not getting back, and we have lost our house because the builders does not want to wait for a new mortgage application being done with a new lender. Because the computer is saying "no" because the computer was given inaccurate information Santander says NO. Even-though they have acknowledge that there was an error, they still say no. Never in my Life have I dealt with an company that was so in-human and bullying as Santander. I am at a loss for words to the this. If you are a first time buyer, please avoid like the plague, they will cost you a lot of money that you may not have and will take you years to save up again. Thanks for ruining this for us Santander. You are truly part of these evil banks that we all have got to known these past years. Reviewed on: 6th March 2015

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