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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.88 (170 reviews)

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2.77

Based on 170 reviews, last reviewed 16th Jan 2025

100% increase in 5 star reviews

in the past 90 days

200% 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

BEYOND USLESS WOULD ADVISE TO BEWARE OF THIS BANK AFTER ABSOLUTE HELLISH EXPERIENCE.WAITING FOR A (SAR) FOR 3 YEARS.INSTEAD RECIEVED NOTHING BUT MISTRUTHS AND INCOM... Read more Reviewed on: 16th January 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 (170)

From bad to worse

Utterly incompetent from start to finish Reviewed on: 16th April 2021

Friendly and helpful

I have two bank accounts and a mortgage with Santander - I chose them initially because of geographic location in relation to the village I was moving to - I soon learned how friendly and efficient the staff in my local branch are . Nothing is too much trouble and they helpfully suggest other ways the bank can help with different solutions and products to suit my needs - but without being the pushy all about sales type - the personal touch makes a real difference to my banking experience Reviewed on: 16th April 2021

Long waits

Long waits on phonelines. Limited functions on app. Overpayments in lump sum had to be done over the phone. A lot harder to manage mortgage balance than other providers Reviewed on: 8th April 2021

Terrible service

Absolutely shocking service. Handling of our mortgage was handed to a third party who messed up a lot of things and eventually led Santander to extend our completion date otherwise it wouldn't have gone through. But they did little to help the situation or get back to our complaints. It's clear all their products are geared towards high earners Reviewed on: 30th March 2021

How to lose a Customer

I'd give no stars, if possible. Stay away from this bank, if you're self-employed. My husband and I had a mortgage with Santander for over 2 years, until we decided to move to a bigger property in the middle of the pandemic. We only asked to port our existing mortgage, as we were going to pay an additional deposit, which meant the loan to value would significantly reduce. With a chain of 5 people waiting for Santander to give a decision, it was a very stressful time. As my husband is self-employed, they kept asking for further information. First, they offered 20% less than expected and then, for a shorter lending period (by 2 months!). Both times, we agreed within 1 hour, but every time they advised the underwriting team would take another 10 working days to assess. Please note my husband continued to work throughout the pandemic. After 3 months and a third request to reassess the case, we were so concerned about losing the property and missing the stamp duty holiday, that our broker suggested we tried another lender. We contacted Halifax and within 4 working days we had an agreement in place! Santander had the most appalling service. I never write reviews, but I had to do this one. Whatever you do, stay away from them! Reviewed on: 18th March 2021

Worst bank terrible

Abysmal company, will be transferring my business elsewhere Reviewed on: 11th March 2021

Please chose to Mortgage elsewhere AWFUL CUSTOMER SERVICE

Just awful, unhelpful, shambles of a mortgage lender. Please don't yourself through it. Months of going back and forth. Halifax sorted in less than 30 seconds. I could talk for hours about how bad this company is! Reviewed on: 10th March 2021

Awful Service

If I could give no stars then I would. I had been with Santander for 5 years for a mortgage making regular payments each month and never having a late payment., we also have been overpaying each month for the last 2 years. Right the way through lockdown me and my wife have been working right through and never been furloughed. I rang Santander in October to see if we were able to borrow more money there first phone call which lasted 30 minutes they stated how much we could borrow and we had passed the MIP. We then proceeded to put an offer in on a property and start the mortgage process. We waited 3 weeks for a mortgage advisor to call us to discuss the application and to tell us rates etc which the call lasted another 60 minutes. He then said that were were still eligible for a mortgage. I then waited a further 2 weeks for a decision to be then told that they were unable to provide a mortgage because as being a company director they said that because of COVID that they were predicting that the company accounts net profit would be down for the following financial year without having any proof of this. I found this really difficult to believe that they would deny us a mortgage because of the prediction. I appealed against the decision and they offered me £100 compensation because they said that they could have answered me faster. I find it quite annoying that I was offering them over £80k deposit and still they refuse me after saying that I was okay. I then went onto Barclays and successfully got a mortgage within 6 weeks. We then had to pay nearly £2500 to get out the mortgage with Santander which i am in the process of taking them to the ombudsman to get my money back . All the stress they have caused me plus we nearly lost the house because of Santander. I am absolutely disgusted with them. Reviewed on: 24th February 2021

Personal Mortgage experience

When taking out our mortgage with Santander we were delighted to meet a mortgage advisor who was honest, friendly and careful with our choices. No question was stupid especially for first time buyers. Reviewed on: 19th February 2021

Wasted 5 weeks of our time and nearly lost us our new home

After pre approving us with all the documents in hand and confirming they see no problems with out applications at all we heard nothing for 2 weeks then they kept asking for more and more documents once they were all sent another 2 weeks they went silent then when we chased as were about to lose the property, they came back with we cant lend you the amount we said at the beginning ! Why even pre approve , total cowboys , we went with Halifax and got the full amount in less than 2 weeks during Covid lock down aswell ! Santander you should be ashamed of yourselves ! Reviewed on: 3rd February 2021

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