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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.83 (179 reviews)

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2.55

Based on 179 reviews, last reviewed 22nd Jan 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

35%

12%

48%

Latest highest rating:

5

Re-mortgae with Santander seamless We have a buy to let mortgage and went with Santander very professional Reviewed on: 22nd January 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.

Santander Mortgage reviews (179)

Review of the Santander, Mortgage:

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

Easy to apply for mortgage and to renew (have 25 yea...

Easy to apply for mortgage and to renew (have 25 years term) good rates and help customer services assistants. Can also change deal set up once in place like the term and part repayment from interest only Reviewed on: 14th January 2025

I would give it to 0 if I could.

I would give it to 0 if I could. The experience is extremely awful, they are not professional at all. THEY DO NOT BOTHER TO CHECK YOR DOCUMENT AND JUST KEPT BOUNCING BACK AND SAID YOUR DOCUMENT IS NOT acceptable! Their employees do not even know how to check sharecode, just inform client and stated that the share code isn't working. Reviewed on: 6th November 2024

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

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