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Santander: Mortgage reviews

Name: Mortgage
Rating: 3.43 (184 reviews)

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3.43

Based on 184 reviews, last reviewed 19th Apr 2026

100% increase in 5 star reviews

in the past 90 days

No new 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)

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

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