Write a review

Santander: Mortgage reviews

Name: Mortgage
Rating: 2.85 (175 reviews)

View other Santander products

2.61

Based on 175 reviews, last reviewed 16th May 2025

No new 5 star reviews

in the past 90 days

33% decrease in 1 star reviews

in the past 90 days

35%

13%

47%

Latest highest rating:

5

Abdul Khan in mortgage sales I just wanted to sa... Abdul (Khan) in mortgage sales I just wanted to say thank you again for your professionalism, patience, guidance and help with changing my mortgage ... Read more Reviewed on: 12th May 2025

Latest lowest rating:

1

Don't use Santander. Don't use Santander. My re-mortgage application took 5 months (and still ongoing). Santander is basically a thief, they put me on high variable intere... Read more Reviewed on: 16th May 2025

Read all reviews See your review

About this product

Santander Mortgage reviews (175)

Review of the Santander, Mortgage:

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

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

Avoid avoid. Unprofessional management team

Avoid avoid..wrong information and they just drag you. Delay process and very slow and unprofessional. Whole management teams need to be changed. 4 different mortgage amount with 4 different manager in 2 months. They don't even trust each other. Rubbish bank. Took us 2 months and disappointed. At the end we moved to barclays and all process done with less rate interest in only 1 week. Please avoid this bank. I wish I could rate them minus. So stressful and made me mentally ill. Reviewed on: 21st August 2021

Most incompetent, poor customer service, non existent communication

We were trying to reduce our our bills and sell purvhome to move into a much cheaper house to improve our living standard. The would have reduced our overall lending but Santander has been challenging every possible reason thinkable. The points that our equity will pay most of our new home seems to be disregarded and Santander seems to prefer us being tied in the current situation rather than approving the much less risky option for us. Delay after delay, we are at the end of our strength and are still waiting weeks after providing all the requested evidence If this should not work out, Santander will lose a customer of fifteen years and we will never want to have any dealings with them. . Reviewed on: 21st July 2021

Awful - just awful

Buyer of our property received a mortgage offer and then 2 days before completion Santander decided to rescind the offer. They already had all the info - just changed their mind. Who does that?!!!? Utter s1 hte. Reviewed on: 19th July 2021

Stressful and Delayed Mortgage Process!!

Took 7 weeks to complete my mortgage application. It took one week for them to book me an appointment with a Mortgage Advisor. Then it took another 2 weeks as they kept asking for more and more documentation. Each time I would submit a document, it went back in the queue to be reviewed by their validation team. Then my application goes to the Head Office for further checks. This takes another 2 weeks (and every time I called for an update they would say they cannot escalate as they cannot contact the Head Office). Then the Head Office asks for additional documents! I submit the documents immediately and it of course goes back into the queue to be validated. Finally my application goes to the underwriters, I call continuously, speaking to the sales department, my mortgage advisor and then the complaints department, literally pestering them until they progress the application to the next stage - that is to the Mortgage Centre that organise the valuation. The Mortgage Centre only book a valuation for 5 days later, when I call to escalate this, the process to get anything escalated itself takes 15 working hours.. My mortgage offer only comes through 2 days before completion date. Reviewed on: 8th July 2021

Awful!!!

THE worst mortgage lenders I have experienced. Their customer service is non existent and constantly ignore emails and calls. I was warned about using Santander by family and colleagues and I wish I had listened. After almost 7 weeks into the purchase of a house they refused to provide answers in relation to the mortgage offer which resulted in our offer on the property being rejected as the sellers became impatient, understatedly!! If I had the option to give no stars, I would. Will never use their services for anything. Reviewed on: 14th June 2021

Deal

Renewing our mortgage couldn’t have been easier. We have always used a mortgage broker but he couldn’t get us a better deal. Second to none customer service. Friendly and extremely helpful! Reviewed on: 14th June 2021

FCA should investigate them

Santander are the most incompetent mortgage lender ever. They should have their licence revoked. I will never use them again. Massive delays as they request further information after a 7 working day turnaround. What is the matter with these people. Obviously being run by an exceptionally poor management team. Avoid at all costs or you will regret it Reviewed on: 14th June 2021

Do you have a different Santander product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Mortgage
from Precise Mortgages 1.52 from 30 reviews
Mortgages
from Scottish Building Society 4.65 from 357 reviews
Mortgages
from Hinckley & Rugby Building Society 4.56 from 372 reviews

Want to see more from Santander?

Life Insurance
from Santander 5.00 from 2 reviews
123 Current Account (discontinued)
from Santander 4.17 from 1247 reviews
Choice Current Account
from Santander 4.16 from 17 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub