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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

Avoid like the plague

Buyers lender uses santander we got to exchange and completion date, told money had been received we were all good to go. Packed up my entire house went to new property etc, only to be told there was a delay with exchange and that the mortgage application had been sent to the valuer, 45 mins later we are told santander have requested a return of funds and wernt prepared to lend. Absolute nightmare and costly... we lost our sale and purchase. We will never ever accept a offer from anyone who uses santander as their lender in the future. Be warned! Reviewed on: 23rd January 2022

Easy and straightforward

For a first time buyer of a property the whole process was straightforward and simple. Good service and staff were always helpful. Reviewed on: 13th January 2022

Zero Rating! Avoid at all cost!

Possibly the worst experience ever. They have a service level agreement on their website which they set themselves yet fail to deliver on. We have lost our dream home because of the time they had taken to approve a mortgage following a valuation, it should not take more than 4 weeks to make a decision following a valuation it's absolutely ridiculous! I would avoid this lender at all cost unless you have all the time in the world to wait for a decision!! Absolutely ZERO Rating Reviewed on: 2nd December 2021

Joke of a bank

7 weeks into our application for a relatively small loan on our mortgage (with a good proportion of equity) and we are still being asked stupid questions and being sent back and forth between the underwriters and info gathering team. We have been to the underwriters 4 times now, every time we need to provide more information we go to the back of the que and have to wait 9 days just for them to review the new information!!!! Cannot escalate a complaint apparently as online applications have no way of doing this. Rude unhelpful staff who sound peeved you dare to call. Sorted our loan out with Nationwide within a couple of days and told santander where to stick it. Certainly wont be remortgaging with them when the time comes and i will be switching my other accounts!!! Reviewed on: 14th November 2021

Wrong evaluation

After having my mortgage amended to another property and approved. Santander after 6 weeks evaluated the previous property instead of the current one im buying. The stress and delays is affecting my mental health. I get pushed from one advisor to another. Nobody takes any ownership. You might think you are getting a good rate trust me it isnt worth it. They are con merchants Reviewed on: 12th November 2021

They dont care about you

They do not care about you They do not care about you! Avoid at all costs. I'm being made homeless on Friday due to the amount of time being taken by Santander. I started my house move process in May. Got my final bit to sign from the solicitors in August. Told my landlord i would be out on 22/10/2021. He now has tenants moving in on that date. I have no family or friends to stay with and any money i do have now will now need to be spent on a hotel while all my possessions sit in my van outside. I just called and explained my situation again and got hung up on. I've gone to write this review and did not realise how bad the reviews are for Santander. They are shocking! I feel sick from the worry of being out on the streets. And seeing these reviews scare the life out of me. Sort it out Santander either get more staff or only take on more work when you have enough people to work it. Reviewed on: 20th October 2021

Waste of time and avoid at all costs as they will rip you off

Avoid a mortgage with these people as they will 100% try and rip you off and just because they have nice suits and offices, does not mean they are not utter scam merchants. beware and spend some time looking at alternatives and it will save you "£1000's in the long term Reviewed on: 24th September 2021

Bad service and no one cares

I am trying to get an additional loan on my property and the underwriters are asking silly question one month into the process it still hasn't progressed. Why can't they just call me is could be sorted in miniutes not months. The online portal says they will get back to you with in one day, forget is you won't hear back from them for days if at all. Absolute Nightmare!!! Reviewed on: 13th September 2021

Do not bother with Santander

I am an existing mortgage customer with Santander, switched over from another bank. I regret the decision so much! Currently on the phone still waiting to be connected. The first time I called, it just disconnected after 15 minutes randomly, my second call-in took another 15 minutes for someone to pick up and the person who answered was so abrasive, eventually got through to someone else who was more pleasant to deal with but couldn't help me. Asked to call me back, within 3 days, and as usual no direct line to call my mortgage advisor. Just really bad service, I expect more and cannot wait to change banks. Reviewed on: 3rd September 2021

Awfull customer service

About to move my mortgage from these awfull customer service rude been with them 25 years was OK when Abbey but santander gone from bad to terrible rang to pay my mortgage also wanted to know my exact payment and rate because I cudnt tell them first they refused to speak to me although I had confirmed my name address account nu. Ver date of birth so if they can't tell me my monthly payment or go any further they won't be getting paid this month useless customer service very annoyed yorkshire bank much better and helpfull who my family are with none of this crap with them Reviewed on: 26th August 2021

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