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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.85 (175 reviews)

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2.62

Based on 175 reviews, last reviewed 16th May 2025

100% increase in 5 star reviews

in the past 90 days

67% 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

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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 (175)

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

Avoid! Avoid!! Avoid!!!

I don't know where to begin from, this bank broke me. Run away from them, do not apply for a mortgage with this bank. Their attitude and professionalism is scandalous! FCA should investigate this bank for not treating customers fairly. Reviewed on: 8th June 2021

Mortgage with the shittest service

If you want free stress which leads to depression that feels like death then sure go ahead with this bank. If there is an international appeal i can make against this bank then please let me know. They took 11 weeks to open my mortgage case. Every 2 weeks they would come back asking for additional document which i immediately provided however after another 8 weeks they rejected my case without a valid reason or should i say something that they should have told me before applying with them. The bank was so slow and wouldnt answer to my broker. The property that i was purchasing its owner was sp generous that they were willing to wait for my mortgage to pass. I felt so bad when i told them that the bank rejected me. I wish it was in my hands and i could do something. I wad helpless. My daughter had her eye surgery recently and the bank wanted translations of every single 6 months statements which was from around 7 different people and she spent 3 full days translating each thing from the statement. Still her hard work didnt pay off. I recommend do not make the biggest mistake of your life by going to this bank if you are planning to start a mortgage application. Terrible service. Reviewed on: 19th May 2021

Total time wasters!!

All information was submitted and deemed complete. Then they asked for one piece of information after another - they obviously have no competent processed in place or they would ask for everything in one go! They have come back 4 times for more information with a 5 day gap each time! We are close to losing our dream house due this poor service. Even my solicitor has said they are the absolute worst bank to deal with and she advises people to avoid them if possible!! Wish I had spoken to her first . Santander have been the only point of stress in our process. Go anywhere else!! Reviewed on: 13th May 2021

DO NOT OPEN an account

DO NOT OPEN an account with Santander. This is the worst bank ever. I have Barclays from three years and I never had any problem since I opened the account. I just wanted a backup account and I thought Santander was a good bank as they have all those nice looking branches but I guess the say “never judge a book by its cover” it’s true. I opened the account online and it wasn’t easy at all. I had to post them the copies of the documents required as the “Upload” option on the website was not working. After waited almost a week for a response, for the account to be opened and for all the letters that I received (4 in total) I tried to login into my account and it was basically blocked. I dealt with three different people in the Customer Service to understand what was going on as I just opened the account but the answer was the same “We don’t know what happened. There is a block in your account for security purpose. The security team will sort it out”. Well, I waited almost a month for this problem to be fixed and in the end I just opened an account (very easy, 5 minutes in total) with Lloyds and I called Santander to close my account which will be impossible for sure as I saw online that a lot of people are trying to close an account with them unsuccessfully. Reviewed on: 17th April 2021

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

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