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Santander: Mortgages reviews

Name: Mortgages
Rating: 3.39 (191 reviews)

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3.39

Based on 191 reviews, last reviewed 5th Aug 2026

20% decrease in 5 star reviews

in the past 90 days

300% increase in 1 star reviews

in the past 90 days

37%

12%

47%

Latest highest rating:

5

Had a very good experience renewing my mortgage deal... Had a very good experience renewing my mortgage deal today. Very helpful staff member Sarah, Leslie and especially Stuart from the sales team. Top not... Read more Reviewed on: 5th August 2026

Latest lowest rating:

1

We were discriminated against by Santander We came to the end of a 5 year fixed term mortgage with Barclays. We have a LTV ratio of over 60% and perfect credit scores having never missed a paym... Read more Reviewed on: 26th June 2026

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About this product

Santander is an award-winning mortgage lender.

Santander offer a range of mortgages for different situations including moving home and remortgages. There’s also a low deposit mortgage where you could get on the property ladder with a £10,000 deposit.

Santander mortgage reviews help you find out what it’s like to be a customer. If you’ve used Santander before, you can also leave a review and share your experience.

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Santander Mortgages reviews (191)

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

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

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