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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.87 (171 reviews)

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2.68

Based on 171 reviews, last reviewed 25th Feb 2025

100% increase in 5 star reviews

in the past 90 days

100% 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

The worst bank ever The worst bank ever with no and the most incompetent staff in existence. Reviewed on: 25th February 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 (171)

Review of the Santander, Mortgage:

Understanding

The Santander Mortgage customer service team are very well trained, polite and understanding of your circumstances. I would recommend getting a mortgage with them to anybody! Reviewed on: 26th April 2017

A true disgrace

The lawyer Integrar they use is a total disgrace and make Santander mortgages impossible. There is no way i shall use them again. Stay well away if you want a mortgage processed in anything less than 3 months Reviewed on: 15th September 2022

Mortgage review

Don’t try applying for a mortgage with this company. Despite having banked with them for 5 years, they still refused to accept evidence of my address. Completely useless. Reviewed on: 14th August 2022

Short mortgage offer and product fee not refunded

Santander only offered 5 months mortgage (so no good when buying a new build). Better interest rate shopping elsewhere (E.g. Halifax) as offer expired and do not refund on £999 "product fee" - Beware! Reviewed on: 22nd July 2022

Wonderful

They have always been straight forward, quick to respond and great at keeping me informed Reviewed on: 20th July 2022

My Santander creditcard is blocked

My Santander creditcard was block 8-days ago. I went to the branch to show my passport and proof of income the next day. I was told the card will be unblocked within 48-hours. I have been calling their customer services twice a day for over a week. It takes 30-60 minutes wait time plus 30 minutes if the call is transferred to another department. The calls were also disconnected many times. Every time I call, the customer services said sit back and keep an eye on your mobile and wait for a call back for their security team. Santander creditcard department is one of the worst to help customers. I have applied for another creditcard today. Please don't waste time with Santander. Reviewed on: 27th April 2022

Time wasters

My entire mortgage experience with Santander was awful... Took them 9 weeks to get my mortgage application done, very poor communication and openly discriminated against maternity leave. It was shocked at how bad the entire service was. I have never had this to deal with for past mortgages I have had, I would not recommend at all Reviewed on: 21st April 2022

Rubbish

Had a mortgage with Santander for years, no problems. Went to get another one when buying another property and got strung along for 8 weeks after getting a MIP while asking for bits of information then got rejected on the stupidest of reasons. Consulted a mortgage broker and he said they are awful to deal with and is now securing me with another mortgage. The sellers of the property we are buying are now understandably anxious as we are at the bottom of a chain. All in all I'd avoid like the plague. Reviewed on: 14th April 2022

SLAS that they simply cant meet!

Renegotiated on cost of property, sent back to Santander for amendment over 2 weeks ago (which was supposed to take at most 5 working days) now risk losing our propeety because of their delays. Sort out your SLAS Santander as this is peoples lives you are ruining here! AvOID if you can! Reviewed on: 7th April 2022

Very Difficult to Deal With

Don't even THINK about using this company for your mortgage!! We sold our house in Feb. & the loan was paid off the same day the next payment was due. They drafted the payment anyway & refused to reverse it. It's now over 30 days since the closing & we're still waiting for that refund. They sent a letter last week which had to be signed & returned verifying our new address... this was covered at the closing! We finally received the escrow refund just yesterday. Why didn't they issue 1 check for both items? Because they'll make money off OUR money (which is over $4,000). When we initially refied this loan to remodel, they were horrible to deal with & it took forever to get the loan approved which delayed construction over a month. Since we already had a mortgage with them & always made payments on time, there was no reason for such a hassle. I wish I could leave less than a 1 star rating because they're the worst lender ever!! Reviewed on: 29th March 2022

Poor communication, huge delays.

My application is stuck at mortgage center for 2 weeks due to poor communication. I was supposed to complete a week ago. DO not recommend. Reviewed on: 17th March 2022

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