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Santander: Mortgage reviews

Name: Mortgage
Rating: 2.81 (178 reviews)

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2.52

Based on 178 reviews, last reviewed 11th Nov 2025

No new 5 star reviews

in the past 90 days

50% decrease in 1 star reviews

in the past 90 days

34%

12%

49%

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

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.

Santander Mortgage reviews (178)

Review of the Santander, Mortgage:

Worst Company Ever! Avoid if you are a first time buyer

My Partner and myself recently applied to Santander for a new mortgage on the help to buy scheme for new build properties. They gave us a promise that their is no problems whatsoever and we can proceed to find a new build property. after we have found the new-build, our dream house that ticketed all the boxes, we proceeded to complete the mortgage application. After an initial yes, and got all the other paperwork and solicitors and everything else in order, paid for the survey and all these things, they suddenly withdrawn the mortgage. just like that! It was not a affordability issue or a credit issue. after a lot of fighting with them we eventually find out that the underwrites had the wrong address history and they could not find us on the credit file and then declined it on that basis. The address was correctly given on the application paperwork. it is clear that someone in administration has made an error and typed 54 in stead of 45. Stander will not review or accept the appeal. "they sympathise with our situation and can clearly see that it was a innocent clerical error however we can not appeal the decision. Our decision is final and it is because of the incorrect address history" Even though it was their error, they refuse to take another look at his application. We also are not getting any money back. WE have lost £1000's in fees both with the solicitors and the builders that we are not getting back, and we have lost our house because the builders does not want to wait for a new mortgage application being done with a new lender. Because the computer is saying "no" because the computer was given inaccurate information Santander says NO. Even-though they have acknowledge that there was an error, they still say no. Never in my Life have I dealt with an company that was so in-human and bullying as Santander. I am at a loss for words to the this. If you are a first time buyer, please avoid like the plague, they will cost you a lot of money that you may not have and will take you years to save up again. Thanks for ruining this for us Santander. You are truly part of these evil banks that we all have got to known these past years. Reviewed on: 6th March 2015

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

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

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