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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.84 (173 reviews)

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2.58

Based on 173 reviews, last reviewed 2nd Apr 2025

100% decrease in 5 star reviews

in the past 90 days

50% 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

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 i... Read more Reviewed on: 2nd April 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 (173)

Review of the Santander, Mortgage:

Beyond appalling - avoid avoid avoid. 0/10

Santander is, without doubt, the most appalling company, let alone mortgage provider that I have ever dealt with - and after being a customer for more than 20 years, the fact that their customer service has been so excrutiatingly bad leaves me with a very sour taste in my mouth. My husband and I have a portable mortgage product with them - when it came to moving house, we were assured that the porting of said product would be no problem. That is, of course, until we sold our house and came to move - and since then we have had nothing but trouble from them. In the past 18 months we have been through SO many hoops to try and get them to agree to us porting the mortgage we have, I've lost count. We have sent in pay slips ad infinitum, filled in countless forms, answered questions, even agreed to switch to a repayment basis from interest only, proved income beyond retirement age and we are still no further forwards. We have lost one dream house because the seller couldn't wait for us, are about to lose a second, and will probably lose our buyer as well. We aren't trying to buy a huge property, in fact we are looking to downsize to somewhere smaller and pay off some of our mortgage, so there isn't the excuse that we can't afford it. They simply don't want to honour the terms of the mortgage we have. We have lost count of the number of deadlines that they have set that have whistled past. And no one at their end gives even the slightest care about the fact that they are screwing with our lives. It's fair to say that the overriding feeling I have developed for them is hatred. If anyone has a clue about how we can make headway here, I would love to hear it - and meanwhile, avoid avoid avoid. They have no intention of actually making the process simple and easy. Words can't express how angry the sight of their logo makes me. Reviewed on: 6th February 2015

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

Title deeds

Have requested my deeds 5 times,was told there would be a fee that was £250, I refused to pay it I have been told to download them.My property is 300yrs old so want the originals.On my last attempt I was told I can take a couple of months to send them to me,that was over 4 months ago and still waiting..I am disgusted that after been a loyal customer for 15yrs they can't even be bothered to carry out a single easy request.The top and bottom of it is they just can't be bothered and there attitude of we have made our money off you,now sod off.Wrll done Santander. Reviewed on: 14th May 2023

Good mortgage lenders

Good Interest rates.full support If you find financial difficulties. Reviewed on: 10th April 2023

Mortgage

Good product. No concerns. Easy to use online Reviewed on: 3rd April 2023

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

Mortgage up by £550 a month

Had to move from fixed to a tracker which is the cheapest option and is still £550 a month more than before. Now paying £2200 a month repayment and only about £1000 of it is actually paying off the mortgage so I guess I’m just paying rent to the bank too? I’m locked in with a £999 product fee so can’t move when the fixed prices inevitably fall without taking the hit again. Reviewed on: 28th February 2023

Looking good

The fixed rate term is coming to an end and I am looking to pay off the mortgage rather than move to another deal or go onto a variable rate. The information I was given suggests that this will be an easy process - not what I was expecting! Reviewed on: 26th February 2023

Magnificent!!

My partner and I purchased our first home last year with the help of a Santandar mortgage. Working with Santandar was speedy, easy, and reliable, and I am over the moon with their service. Reviewed on: 25th February 2023

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