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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.88 (170 reviews)

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2.76

Based on 170 reviews, last reviewed 16th Jan 2025

100% increase in 5 star reviews

in the past 90 days

200% increase in 1 star reviews

in the past 90 days

35%

13%

47%

Latest highest rating:

5

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 pla... Read more Reviewed on: 14th January 2025

Latest lowest rating:

1

BEYOND USLESS WOULD ADVISE TO BEWARE OF THIS BANK AFTER ABSOLUTE HELLISH EXPERIENCE.WAITING FOR A (SAR) FOR 3 YEARS.INSTEAD RECIEVED NOTHING BUT MISTRUTHS AND INCOM... Read more Reviewed on: 16th January 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 (170)

Review of the Santander, Mortgage:

Easy to use website

I use the site a lot to review my mortgage and they seem to keep adding new functions. Any company is difficult to get through to on the phone, so using online facilities helps. I like the way you can use a debit card now to pay off some of your mortgage now, much easier than ringing in! Reviewed on: 13th March 2023

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

Disgusting, untrustworthy company

Santander have dropped their mortgage offer to us. Despite this being a very low amount. Despite us having great financial ratings. They’ve made my wife very upset and I’m furious at them. Disgusting, untrustworthy company. Who are too greedy to hold their end of a 4.1% offer. Never use them. Reviewed on: 30th August 2023

"Process Aborted by Client" after receiving Offer

Did the application and received the mortgage offer, accepted it and started the process with Santander's (Optima) solicitors. After sending them all the documents required and confirming with the solicitors that they have everything to complete at set date. 7 days before this date I give them a call to confirm if we're all good to complete and they let me know the client Santander have aborted the process. I give Santander a call they tell me the mortgage was declined (this is after recieving offer and everything). Firstly how do they go about declining like that and secondly no one from Santander or their solicitors (Optima) got in touch with me to tell me the situation. Just appalling from all sides and has now made me completely hanging dry. Reviewed on: 23rd August 2023

Diabolical

A couple weeks go by and the ask for a document. Another week passes another doc... Five weeks in.... you get the idea. With interest rates gone through the roof, if mortgage falls through I will no longer be in a position to buy at current interest rates. At very minimum, a cursory glance should've identified nearly all of the additional documentation required which would have sped up the process rather than prolonging a highly stressful process. If the mortgage does fall through, i'll ditch my Santander credit card. Reviewed on: 14th July 2023

Always on point

Been with Santander for many years. I always review alternatives when my fixed period comes to an end and they are always in point. They've retained my business for a long time and recommended them highly Reviewed on: 15th June 2023

Fasr

Really great process , was fast and efficient Reviewed on: 3rd June 2023

Competitive mortgage, flexible mobile app

Very happy with my Santander mortgage, especially as their mobile app allows me to manage both regular and one-off overpayments with ease, meaning I don't have to use apps like Sprive. Reviewed on: 1st June 2023

Worst customer service ever

So many issues with poor customer service. Poor handling of remortgage meant they had to extend the completion date twice to complete our application. Hard to get hold of and poor app features. Reviewed on: 1st June 2023

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