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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.74 (184 reviews)

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2.75

Based on 184 reviews, last reviewed 19th Apr 2026

400% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

36%

12%

47%

Latest highest rating:

5

Easy to set up, no issues or problems. Easy to set up, no issues or problems. Statements sent and received always on time and easy to understand. Customer service has always been good to co... Read more Reviewed on: 19th April 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.

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Santander Mortgage reviews (184)

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

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

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