Santander Mortgage Reviews - www.santander.co.uk

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★☆☆☆☆

“Santander are the weak link on house buying!”

Written on: 29/05/2014 by brynner71 (1 review written)

Unbelievably The only thing I am waiting on to be able to exchange contracts on my house move is the Santander mortgage. All the other legal stuff is done - which is normally the biggest pain! They are so slow, they are poorly planned and badly set up to deal with the new changes in the rules - despite knowing this was going to happen 18 months ago! They are holding the whole chain up and I am fed up. Had a house fall through in march - the application with Santander at the time flew through… Read Full Review

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★★★★☆

“Give them a chance”

Written on: 27/05/2014 by spacebug (1 review written)

Applied for a new mortgage through a broker on the 7th May. Today I received notification that my mortgage has been approved subject to survey. I was warned ahead of time that it could take 3 to 5 weeks and that was accurate. I have been using the Santander for intermediaries website to track progress of Santander mortgage stages. I had one hiccup due to a document having incorrect information, this delayed things for a week but this can not be blamed on Santander. It seems that a lot of… Read Full Review

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Kathryn2103's Response to spacebug's Review

Written on: 31/05/2014

In my case they've had everything they need since mid April-all documents and information - still nothing - guess you must have been lucky - luck certainly seems to have a lot to do with it that's for sure!!

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Spacebug's reply to Kathryn2103's Comment

Written on: 31/05/2014

What stage are you at? Have you checked the Santander for intermediaries website. You can see progress of what date they are working on a particular stage.

Are you using a broker? If so, I'd be changing to a new one!

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Russler1980's reply to Spacebug's Comment

Written on: 12/06/2014

have you actually got your mortgage now? We had our mortgage accepted subject to survey after 3 days. I think you are only at the beginning of the process with Santander unfortunately. Computer said yes to you but underwriter still needs to review everything, that's where the hold up is regarding all the new legislation, it could take up to 3 months or more for you to get the mortgage.

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Spacebug's reply to Russler1980's Comment

Written on: 13/06/2014

Yes I now have the mortgage. Arranging the survey took around 10 days, which was longer than I was expecting but within a day of the survey taking place I received formal notification of my mortgage offer.

I'd be surprised if you've been given an accepted subject to survey status if there are other things that they need to review before they make you an offer.

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★☆☆☆☆

“WHAT A JOKE”

Written on: 27/05/2014 by Marshallqe4 (1 review written)

Where to start.. application submitted on the 21st of March.. it keeps being passed to the underwriters who then request information (that has already been submitted!!). 4 times to the underwriters so far, and 4 times the same information request. will be looking at other options now, but with this much time already wasted we are very likely to lose out on our home. Does anyone else sense a recurring theme throughout these posts?? Santander have a lot to answer for… Read Full Review

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Pstephens1's Comment

Written on: 30/05/2014

Yes I do. It's all on the Tap of a button on the PC. Got declined after 6 weeks waiting and they won't give me an answer.

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★☆☆☆☆

“N0 CUSTOMER CARE AT ALL”

Written on: 27/05/2014 by 318Bender (1 review written)

I would certainly not recommend Santander for those wanting a mortgage offer. I applied on 21st April and keep getting fobbed off with requests for information which have already been sent - they keep saying they cannot read the information that has been scanned. However everyone else can read these scanned pages. Four weeks in and it is with the underwriters, or so they say. Don't believe anything they say. Also because our mortgage advisor has been chasing them up on our behalf they have… Read Full Review

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★☆☆☆☆

“Absolutely horrendous DO NOT USE”

Written on: 24/05/2014 by Kennedyla300 (1 review written)

Applied for mortgage march 22nd 2014 - still no offer! Enough said! Find another provider!… Read Full Review

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★★★★★

“get a broker to deal with them”

Written on: 22/05/2014 by otteriz (1 review written)

started the process of mortgage on 19th april, went via a great broker but was chasing her every day having read the appaling reviews on here. have had mortgage offer 1 month later. cannot complain so far… Read Full Review

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★☆☆☆☆

“Absolutely mind blowingly useless”

Written on: 22/05/2014 by MaeveSelf (1 review written)

Waiting for a survey date for three weeks!! Now told that it is in another two weeks and had been subbed out. Never touch this mortgage supplier. God only knows having seen this site how long the offer is likely to be!… Read Full Review

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★☆☆☆☆

“Appalling - do not use”

Written on: 19/05/2014 by Murdock361 (1 review written)

The service we have received from Santander is appalling. It has taken 5 months so far and we are still waiting for a remortage offer to come in. I only found this site looking for a complaints address at santander so its interesting to see that so many others have had the same experience. My advice - find another lender… Read Full Review

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★☆☆☆☆

“Not worth 1 star, gives incompetence a whole new meaning”

Written on: 12/05/2014 by Donnelly479 (1 review written)

Absolutely disgraceful - we have had issues several times with Santander (including an occasion when they "lost" £3000) but this has been the worst by far. Every time we call we get a different advisor and a different answer. We gave the same affordability info 3 times - however managed to pass it the first time we called, but then failed it for some mystery reason the next time we called?? We then got a call saying the original call had been listened to and they admitted it was their fault so… Read Full Review

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★☆☆☆☆

“Shambolic, unprofessional and utterly rediculous. AVOID”

Written on: 08/05/2014 by Zackeryj370 (1 review written)

Literally the worst process I have encountered in my life. Applied for mortgage on 24th march and still no decision!!! Question after question received from underwrighters and on average 10 day wait to receive yet another question. Applied though a broker who is basically lied to and fobbed off each time. We're a real danger of losing our house as its been out back on the martket due to the obscene timescales. If you are any way into the application process with Santander just cancel it and… Read Full Review

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★☆☆☆☆

“12 weeks for mortgage offer - horrendous customer service”

Written on: 08/05/2014 by chrisallen1983 (1 review written)

Myself and my partner have been trying to get a mortgage through Santander(it is an Abbey product) for 12 weeks now. We applied through a broker. It took us 9 1/2 weeks to get our finances approved after weeks of their advisers coming back and asking for a single piece of information; and then taking a week to look at that and decide that they needed another single piece of information. This was extremely frustrating but we thought the worst was over when it was confirmed that our finances were… Read Full Review

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★☆☆☆☆

“waiting waiting waiting”

Written on: 05/05/2014 by vtBeach274 (1 review written)

now been waiting 5 weeks for a decision, havent even heard from them, when i telephone they say it will be looked at tomorrow but this day never come. we submitted ours before the changes but still nothing im really disappointed and very worried that i will lose my new house. come on santander get your act together !!!… Read Full Review

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★☆☆☆☆

“Misleading advice, so slow to progress - and still no...”

Written on: 02/05/2014 by Freddy83 (1 review written)

Others' stories are very familiar. I chose Santander because they have a very good mortgage rate. However, the application process has been appalling so far. It's been 5 weeks since I tried to apply and still no offer subject to survey. Had to wait days even to make the initial "mortgage enquiry". Submitted all the requested documents within a day, but still had to wait over two weeks for an appointment to make the actual application. Now they tell me it will take 4 to 6 weeks to make a… Read Full Review

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★☆☆☆☆

“2 weeks and still waiting for a mortgage offer ”

Written on: 02/05/2014 by ewHarding46 (1 review written)

we submitted our papers 11/04/2014 reached the bank through our broker 15/04/14 up to date and still waiting and heard nothing from the underwriters. our broker keep saying they have a huge backlog and working extra hours and our application has been prioritized, well just had a call today from the broker saying that this might take longer than the initial 5 days as promised so have no alternative solution but go with another bank now. total waist of nearly 3 weeks, i have no idea why they even… Read Full Review

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Jmfoster's Comment

Written on: 02/05/2014

oh great! Our application was submitted on 29/4/14 and told it had a 3 day turn around. This was following the glitches in the application process whereby it just went around in circles indicating an issue on random pages. Haven spoken to our broker today, he tells me that nothing has arrived back in the way of a decision but actually of AIP/DIP is worthless as the underwriters do a second credit check.

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Ler01Kjh's Comment

Written on: 02/05/2014

Yes, I submitted all my documents on 2nd April and still waiting! They seem to set up two processes - an "enquiry" even though you want to apply, and then allowed to actually "apply". Makes you think there's progress when there actually isn't, and all the while they keep your business. If they'd told me at the beginning how long it actually takes I'd have gone elsewhere, probably First Direct.

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Jmfoster's Comment

Written on: 03/05/2014

It really does not bode well for anyone wanting a mortgage at the moment. from Sant/Abbey. :( We had a dip completed on us about a month ago, which was passed. When the full application was done an issue of a previous ownership arose (which should have been picked up on the dip/credit checks etc), after 2 hours of the system circling itself it finally sent. As it turns out our broker has gone on holiday (2nd time in a month) and is not back for another 10 days. I have emailed customer services at Santander and asked for their turn around times, no response. We are stuck in limbo as we don't know if we have a mortgage or not and wont for another 10 days. I thought once the DIP had been done it was pretty much certain that you would get the mortgage, guess we were wrong.

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Spacebug's Comment

Written on: 12/05/2014

Anyone that says Santander can turn round a mortgage offer in 3 days is lying to you.

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★☆☆☆☆

“Slow process poor customer service - santander useless”

Written on: 29/04/2014 by cwMatthews259 (1 review written)

Avoid time waters useless & bunch. Honestly I have been eating 6 weeks for an answer. If I know this how bad they are I would have avoided them. My broker advise me not but the redemption charge of 3k force me to use them. I wish I had not they are first class hopeless… Read Full Review

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★☆☆☆☆

“absolute rubbish”

Written on: 23/04/2014 by RayTempleton122 (1 review written)

i would rather get a mortgage from wonga than santander had our mortgage approved everthing had gone through on the day of the move the underwriters noticed a mistake on the form even though they passed it and gave us the mortgage offer they stopped everthing we had the removal van loaded. hundreds of pounds later i am still waiting all because of a small mistake they should have spotted in the first place… Read Full Review

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★☆☆☆☆

“Extremely poor processes”

Written on: 12/04/2014 by OliveDriscoll (1 review written)

We made our application and supplied all documents they requested on 18th March, and were told we'd have a decision from the underwriter in three working days. We've had to ring up and chase up every day and were initially told everything was fine for the underwriters, but this week Santander said they could not find some of the information (despite us being able to see the information had been uploaded on their 'secure' website). We had to chase them up every day and kept getting told… Read Full Review

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Rascal82's Comment

Written on: 17/04/2014

We are going through exactly the same at the moment- funnily enough our Advisor is on train also! Fuming as were on a 2 month deadline with our seller a month has already gone and still with underwriters- chances are we're going to lose the opportunity to buy the house

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★★★★★

“Great quick and friendly ”

Written on: 09/04/2014 by IyanaSimpson143 (1 review written)

I applied for a mortgage on the 4th match and was approved 3 days later and had an offer in 2 weeks ! Simple straightforward process! Thought id write a good review as you only seem to hear about the bad ! Compared to other mortgage lenders I found them very early to deal with and love the way you can just do it all over the phone !… Read Full Review

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★☆☆☆☆

“It should never take this long ”

Written on: 08/04/2014 by Levens (3 reviews written)

Using a financial adviser to get the mortgage we had two options accord, who had already messed us about or santander. I thought, high st brand, surely they will be more professional and not mess us around so much. We got an agreement in principal. Offer put in on a house, and we submitted all wage slips and bank statements and disclosed debts as requested. It took five weeks with chasing them daily on the final week to be told it's with the underwriters and they believe we have undisclosed… Read Full Review

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Jamesiw's Response to Levens's Review

Written on: 09/04/2014

We have a similar issue, I have a offer accepted on a property, got to the final mile 2 months after applying for the mortgage to find that the surveyor declares the house a live/work unit even though we have statements on company headed paper confirming the use of the property can be used for live/residency/C3 use or for B1 office use. I am now in the process of logging a complaint with the unreasonable request for PROOF that the property will not be used for work purposes. I and my partner are in full time jobs and looking to study, I have never come across such unreasonable thinking ever! How do we prove that the property wll be used for residency short of having them inspect the property every week?

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Angietka1's Response to Levens's Review

Written on: 18/04/2014

Exactly the same for us :( we submitted our forms approx 6/7 weeks ago, gave all info required, one week they tell us they are 2 days behind on applications, next they say they are 6 days behind. Also been told it's gone to the underwriters to then be told it will then take another week to be looked at, a week goes by to then be told it's still not been looked at... Received a phone call from sellers estate agents saying the sellers now want to pull out as "it's dodgy" was there wording that our mortgage hasn't been accepted yet. I've tried to argue the case that it's happening to majority of applications put through to Santander but looks like we will lose the house. We are absolutely gutted but don't no what else to do. I will never recommend Santander!!!!!

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★☆☆☆☆

“Extremely poor service - avoid.”

Written on: 04/04/2014 by Niah168 (1 review written)

We are currently awaiting a decision from the underwriters - a MONTH later. Despite providing all the required information within 24-48 hours, their practice seems to be to request further information a week later - then request more. And not deal with it for another week, drawing out the process. We are due to conclude missives next week & move in 10 days. Due to Santander's inefficiency, we may lose the property we have offered on. If I had known the process was so slow & inefficient, I… Read Full Review

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Levens's Comment

Written on: 08/04/2014

In the exact same boat as you. It's shocking

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Levens's Comment

Written on: 08/04/2014

Exact same boat, sort this out santander we are likely to lose out on our house !

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