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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)

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

Easy, reassuring consumer empowerment

Very simple and surprisingly efficient application and acceptance process, followed my a user friendly and flexible management in the banks app to aid control my own financial situation on a personal level Reviewed on: 21st January 2021

8 months pregnant left with no bank card for nearly a month.

New card was ordered due to fraud activity on my account, santander did nothing to help me reclaim the funds. I did get a refund from the company myself and resolved it, no thanks to this bank. On top of this a new card was issued on the 2nd jan with a time scale of 4 to 5 working days. It's the 18th jan and it still has not shown up. I've called them on 3 separate occasions spending over 2 hours on calls so far. 2 complaints have been raise the initial complaint handler Charlie was by far the worst, 2nd handler Beth wasnt much better. I'm waiting on her call back but this is the 3rd time I've been told I'd get a call back this month never to receive one. My situation is I'm over 8 months pregnant without card details I cant even pay for my phone meaning I cant make calls to my midwife or hospital in an emergency situation and given my due date is fast approaching I'm now getting terrified. The time, stress, inconveniences inability to help or take ownership have been appalling I reported this to the financial ombudsmen on Sunday. Today (18 jan) another card was ordered I was told initially 4 to 5 days again then I demanded the expected arrival date that the call centre staff see on their screen I was told the 27th Jan!!! Almost 1 month without a bank card at this stage. As soon as I've had my baby and covid lockdown is lifted I will be joining a more reputable bank. To anyone considering an account with these guys I'd look elsewhere they have left me in a horrible stressful situation. This has been reported to the financial ombudsmen on Sunday so they can investigate this bank and how they treat customers. Reviewed on: 18th January 2021

Terrible customer service

Don't waste your time. Unless you have a big income (more than £90k) and have been in the same job for 3+ years, then don't waste your time. Reviewed on: 14th January 2021

Dont waste your time - agreed and then refused.

We submitted our mortgage application 10 weeks ago and are at the point of exchange. Santander have asked question after question, which we had immediately answered and filled in every form they asked us to, but each re-submission takes 7+ working days for them to assess. Don't know why they are unable to ask all additional questions in one go? I have a LTD company with full accounts and my husband is PAYE. I was starting to worry 3 weeks ago (still waiting for the offer) after reading the reviews on this site, however, my broker managed to contact them and they provided an offer via email, which we were happy with. 3 weeks later, they have now refused to offer and have left us in an awful situation, where we are likely to lose the house we are buying. I wish they had been upfront with us, as we would never have wasted our time. Santander have been the only stressful part of our move process and we should never have applied to them, despite what our broker advised. We are devastated now and will have to try to pick up the pieces with another lender. However, who knows if we'll be able to do it in time.... Reviewed on: 30th December 2020

First time buyers - agreed a mortgage then took it away from us.

My partner and I were extremely happy in November when we had the great news that our mortgage application had been accepted and we can carry on the process of buying our first home (which we had found) We needed to reduce our mortgage by £5K due to an agreement with the seller of our property to which Santander “with drew” our mortgage. Their reason being that we are now in a Tier 4 area (COVID-19) and by looking at our occupations they can see that my partner is currently not working due to the pandemic and they cannot risk giving us a mortgage. How heartless can these people be... no wrong doing of us.. taking away people’s dreams due to a pandemic. Disgusting. Never use this company. Go with another bank who don’t punish you due to a pandemic out of your control. We had a mortgage agreed with an expiry of March 2021 how can a company just take that away from you when you are asking for less than originally agreed. Reviewed on: 29th December 2020

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