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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.81 (178 reviews)

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2.52

Based on 178 reviews, last reviewed 11th Nov 2025

No new 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

34%

12%

49%

Latest highest rating:

5

Abdul Khan in mortgage sales I just wanted to sa... Abdul (Khan) in mortgage sales I just wanted to say thank you again for your professionalism, patience, guidance and help with changing my mortgage ... Read more Reviewed on: 12th May 2025

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.

Santander Mortgage reviews (178)

Review of the Santander, Mortgage:

Extortionate. No common sense.

I had a mortgage with Santander. Bought my ex out of our mortgage, was told origninally no problem but turned out the agent had ticked the wrong box in the application and was then told they couldn’t lend me any more money. ended up having to take a loan out to buy my ex out knowing there was enough equity in the house to pay it off once I moved. Sold my house in Jan 2025 for enough to leave more than enough to pay the loan off in full. Asked Santander to port my mortgage to keep the good rate I had. I didn’t ask to borrow more money or less. Just to port the exact amount I had on my mortgage over. After weeks of phone interviews they told me they wouldn’t do it. I had never missed a payment, had no financial difficulties and demonstrated based on my house sale price I had more than enough to pay my loan off once the sale completed. They still refused. This meant I had to find another mortgage, I did and naturally the rate was higher. So because of Santander my mortgage is now £200 higher than it should be if Santander had ported it and Santander also took every last penny I had left over from my house sale in exit fees which totalled over £8000. Santander have left me in a considerably worse financial situation purely because they wouldn’t port my mortgage with no justifiable reason not to do so. I would never in a million years recommend anyone use them for a mortgage. They charge 5% early repayment fee on your total mortgage balance whether you have 3 years or 3 days left on your mortgage. A lot of the staff are incompetent and their underwriters have zero compassion or basic common sense Reviewed on: 2nd April 2025

I WOULDN'T RECOMMEND THIS COMPANY TO ANYONE.

I WOULDN'T RECOMMEND THIS COMPANY TO ANYONE. I have a house worth between £300,00 and £325,000 but because I haven't owned it for 6 month I can't get a buy to let mortgage. Reviewed on: 25th June 2024

Their mortgage offer was the best on the market.

Their mortgage offer was the best on the market. The process was straightforward and was in place quickly. All communication was clear and concise. I am very happy with the service provided. I now have piece of mind. Reviewed on: 15th April 2024

mortgage products that work for you

they are very good at walking you through the options and making sure you get the right product for what you need. Their rates are very competitive, and the functionality of things like overpaying on your mortgage are exceptional Reviewed on: 12th April 2024

Easy to move to a new product

Easy to move to a new product, with telephone explainations very helpful Reviewed on: 26th February 2024

Good value, easy to use & understand.

Good value, easy to use & understand. Meets my needs and expectations. Reviewed on: 15th February 2024

BiG Thankyou to Mohammed & Peter. Fantastic service!

Spoke to Peter initially he was very helpful and friendly. I don't normally deal with mortgages, but decided to deal with it, give hubby a rest. He explained the process. Mortgage advisor Mohammed called me back, he was very helpful and thorough, explained everything as we went along. Called back when he said he would, excellent!! Thankyou, I can sleep tonight! Reviewed on: 7th February 2024

Friendly

Friendly customer services support when needed Reviewed on: 2nd February 2024

Avoid

I have secured job and decent salary, no adverse record with excellent credit score. Applied my mortgage application 8 weeks before, come back every 2 weeks for the same questions and documents, even my MB fight back they still insist to ask stupid questions - no update from them at the moment, total insane and make us stressful. Friends with less income and more complicated, other companies just took 4-5 days to offer, so better avoid this company!!!! Total insane. Reviewed on: 1st December 2023

AVOID AT ALL COSTS

Santander bought my mortgage from another company. So I will start with that as I did not SEEK them out initially. I ended up with them. I contacted them to remove PMI (as I was below 80% and it was supposed to be automatically dropped). A letter from their agency confirmed, that indeed I was at 73% and the PMI should not be in place. Indicated that in order to remove PMI I would need appraisal. Follow-up call – spoke to a representative who stated ‘ I don't know why you have to have this done, but this is the fee’. I paid the $450 fee (sent WITH tracking) and they cannot locate my package (after tracking indicated they have had it for a week). I called them on the 10th and was told they JUST found the package while on the call and dated my payment, in their system, as 11/10 and not the real date they rec'd package (11/3 @ 9:43 AM). PMI is finally removed successfully and I ask, for a second time, to have escrow removed as it was denied the first time due to PMI in place. NOW they want a $406.45 escrow waiver fee for that to be considered. Say it is status quo (except that it is not listed anywhere in my original loan paperwork about such) Nor have I ever paid such fees to other companies. The best is that they are saying even after my escrow is successfully removed from their office (after they receive their extortion fee of $406.45- which is what I will consider it as) I am to reach out to them quarterly (after paying my taxes) and yearly (after paying my Home Owners Insurance) with receipts to PROVE I was successfully able to do so. I am not sure if this bank is confused or not, but I totally don't need to be robbed of my funds for their made-up fees and/or need to prove that I can successfully adult and pay my bills. In all my years of having properties and dealing with multiple banks, this is by far the WORST experience I have ever had with a mortgage company. Not to mention the 'rules' they have put into practice don't even exist with other lenders. Reviewed on: 27th November 2023

Delay after delay

Such a slow application process. 6 weeks so far with no end in sight. So many calls trying to get it done. Told I don’t earn enough, then told I almost do - £50 short, then told I do earn enough Reviewed on: 30th October 2023

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