Santander Mortgage Reviews - www.santander.co.uk

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★☆☆☆☆

“Useless!!!!!!!!!!”

Written on: 01/06/2014 by Matthews300 (1 review written)

After applying to Santander, and giving all documents that they requested I then waited 7 weeks to finally get an offer from them which was £24k less than what we needed, no reasons. Their communication is shocking! seems this is the norm for them....stay away as we could now lose the house that we are wanting to buy… Read Full Review

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Elsie1986's Comment

Written on: 25/06/2014

Hi,
I am in the same situation here and i just wonder whether you managed to get your mortgage elsewhere?

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1Dave1's Comment

Written on: 24/07/2014

Not sure it's any better any where else. We were initially turned down by HSBC. Salary £130K, downsizing and clearing £400K after the sale, savings in excess of £300K already. Wanted to port our mortgage of £100k across to new property (purchase price £935K, borrowing £100K), purely because it was a good rate (0.5% above base rate). Three 1 1/2 hour application phone calls later then turned down with no reason given and told this would affect our credit rating? Finally got a reason... they said we had to put one of our bank accounts back in credit, it was £700 overdrawn (our oversight admittedly) but considering the big picture it's ludicrous. Our conclusion is they didn't want us to continue with the "lifetime" tracker because it was such a good deal. Also, the property market is overheating a little which would normally mean interest rate rises and although they are inevitable a substantial increase in rates could be damaging financially and politically, so the property market is going to be dampened by ridiculous lending rules.

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★☆☆☆☆

“Slow and Shambolic...”

Written on: 31/05/2014 by Raynek1951 (1 review written)

Their process is broken and their call centre staff unpleasant and unhelpful. Whenever you ask where things are they just reel off "standard turn around times" which to do anything - even call you back - extend to over 24 hours. It's impossible to get a straight answer. They ask for information and take 48 hours to even read it. Not good. It's been 5 weeks since we applied and still no decision. Took three weeks just to get a meeting with a mortgage advisor… Read Full Review

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★☆☆☆☆

“Santander Mortgage application = Nervous Breakdown”

Written on: 30/05/2014 by Marelyp400 (1 review written)

I don't normally write reviews (I know I should as they are fundamental in a lot of my buying) but I cannot pass up this opportunity to warn people of the stress we have felt in dealing with Santander, however I will try and keep the emotion out and stick to the facts. In my opinion Their service is quite frankly appalling! we have had our current mortgage with Santander for 11 years, we owe 110K, we want to borrow approx 20k more at 70% LTV, we earn about 60k between me and my wife. We are… Read Full Review

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★☆☆☆☆

“Declined after 6 weeks”

Written on: 30/05/2014 by Pstephens1 (1 review written)

Lost our Buyer, lost our Vendor. Faceless Top Underwriter. FCA? Government directive is Don't Give Out Mortgages. I bet they don't have any problems. We need a revolution Homebuyers… Read Full Review

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Veryupset8's Response to Pstephens1's Review

Written on: 30/05/2014

We v'e been going since the 10th April back and forward to underwriter then after 7 weeks offer us £29,000 less than we need although we already have a mortgage with them that is £20 more than we now want and over less years unbelievable waste of time!! Long waits between each stage and no calls.Only would have been staying because we have to pay £ 4000 fees. A lot of heartache ,worry and nail biting.Find someone else fast !! Listen to what people are telling you and don't wait.

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Pstephens1's reply to Veryupset8's Comment

Written on: 30/05/2014

It's too late for us. Now no one wants to know.I have been with SSantander for 22 yeard. Hss msde my Wife a broken woman.

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★☆☆☆☆

“still waiting”

Written on: 29/05/2014 by AustinKeegan1 (1 review written)

Sent application in on 17th April '14 with all the appropriate documents - still waiting. I have not even had confirmation of mortgage offer or survey and I am at a real risk of losing the property I want to buy, as the vendors do not think I am serious as it is taking so long. The vendor found a property 2 weeks ago which has been offered on, surveyed and they are basically ready to go. This is a real joke and really do not understand how the business can work. Santander - you need to sort… Read Full Review

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Laraz's Comment

Written on: 29/05/2014

Totally similar situation. We applied to Santander on the 22nd April. Every week they came back for another statement or payslip as if they were playing a Kafka game with us. Today 5 weeks later, we heard from the senior underwriter that we did not get offered a mortgage.

***Steer well clear of "Santander"**

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Pstephens1's Comment

Written on: 30/05/2014

Hi, we waited nearly 6 weeks from concept, that is a half hour phone call and 2 weeks later a 3 hr mortgage adviser interview for a mortgage in principle, then a week after another 3 hr interview for the mortgage offer. 2 weeks after that we were told the top underwriter has declined our application. No reason as to why and I can't find out as the door has been slammed in my face.

My wife and I earn between us over £105000 and were looking at a£300000 mortgage. We have a 30% deposit. No debts and my Experian credit score was 999.

All this and our savings and we can't get the mortgage. So after nearly 6 weeks and all the problems like you have, our Buyers pulled out because they thought we were lying and our Vendors, well they were great. They won't be when I phone them to say we can't get the mortgage.

Santander wanted to give us the mortgage but the PC said No! It went off to the underwriters who said Yes, but then it had to go to the TOP UNDERWRITERS, a faceless woman who said NO,.

I SINCERLY HOPE YOUR SUCCESSFUL AND GOOD LUCK.

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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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