Written on: 22/05/2013
Like a lot of reviewers I innocently thought I was asking for a simple port from my existing A&L loan (six years paid w/ direct debit). What followed was 3 months of hell, the mistakes simply piled up to the point where the vendor walked away because there was no visibility on getting a valuation booked. Amongst other things that caused delay: - They couldn't figure out my address (despite already being a customer!), they sent me an application with the wrong address printed so I... (read more)
Visit santander.co.ukWritten on: 17/05/2013 by CarolAnnT34 (1 review written)
AVOID THEM LIKE THE PLAGUE 3 months I have been tring to sort out a top up to buy my next house, and that's after having already been pre-approved. There have been no issues from my side they’ve just kept screwing up my paperwork and sending it to the wrong teams. If you try and call anyone you sit in a queue for an average of 45 minutes each time because no one will give you a direct number or email address. If you try and complain to a manager they tell you their managers don’t take... (read more)
Visit santander.co.ukWritten on: 07/05/2013 by melek (3 reviews written)
I lost a house due to their false promises in 2008 - left me waiting right to the wire then withdrew original offer for a pathetic reason leaving me with £750 aborted legal costs and £250 survey fee! Now I am moving again and am tied in with them (with a penalty of £2,500) I attempted to borrow an additional £25K (still only 50% LTV) to port mortgage. You CAN NOT BELIEVE the hassle I have had just to arrange an appointment! Originally given a date in two weeks time which the cancelled... (read more)
Visit santander.co.ukWritten on: 01/05/2013
I got their promise lending me around 250k before selling my property. Before sale I went through lengthly application and they offered me 180k which was changed later to 145k! After exchange of contract they gave me 90 days to exchange contract of new property and when I called them after discussing to his manager said they are just able to Agee with 75k! Each time they said it will be recorded but never had any record of previous contacts! Anyway I lost my flat but will never trust these... (read more)
Visit santander.co.ukWritten on: 26/04/2013 by Redagatha (1 review written)
Utterly awful, took me through application until I mentioned the shop. It's fine for conversion to residential, been done in the road. Just said no but didn't mention or send us to a semi commercial or other department. Reading from a script and impossible to get them to talk normally. Have 80 percent deposit and only want to port the mortgage. Excellent credit history and 50 k for conversion. Horrid people, I've had current mortgage and bank account with them which they also mucked up.... (read more)
Visit santander.co.ukWritten on: 25/04/2013
I waited 7 weeks for a decision on borrowing £50k against a property worth £650k. I was fobbed off with excuse after excuse about why a decision hadn't been made ... service was awful - the people you meet cant make any decisions and then blame the decision makers for the delays. It's all the same company ... you're customers don't care about your internal issues , put us 1st for once! (read more)
Visit santander.co.ukWritten on: 19/04/2013 by JWC09
Absolute rubbish.. Our application has been going now for 9 weeks. We currently have a mortgage with Santander and just want to port to a new property. Same value mortgage but higher value property so less risk to them but still no decision made. Both me and my hysband have 100% credit rating and deposit of 27%. I would NEVER recommend them to anyone.. Steer clear! (read more)
Visit santander.co.ukWritten on: 19/04/2013
from initial application to offer of mortgage took approximately 8 working days. My partner has an excellent credit history, but mine was not so good, so I was surprised to say the least that the underwriters so quickly approved our application (I do have a very good salary though @ almost 3 time the average wage in the UK (so maybe potential profits outweighed the risk), my wife on the other hand is a homemaker). On the phone customer service was excellent, explaining in detail the... (read more)
Visit santander.co.ukWritten on: 15/04/2013 by Transport747
Thankfully I have just six months to go on my mortgage and I simply wanted to switch to a interest only as it is a service offered by Stander. They have sent me from pillar to post saying I must apply by phone where by I am sent to the branch. My formal complaint was upheld and the compensated me only to send me back around the same round about. Abbey National was fantastic when I took out my mortgage 24.5 years ago. Santander is the pits. (read more)
Visit santander.co.ukWritten on: 11/04/2013
We originally got a mortgage promise from Lloyds TSB but were told Santander had really low rates so we went to see what they could do for us. We are a couple on good money, but my other half has a bad credit past & so the mortgage is all to be lent in my name, with my parents lending us the deposit. We were given a form to fill in all of our expenditures which we did. We took it to them and we told, no, we think you will spend £200 more than that a month on bills. We couldn't understand... (read more)
Visit santander.co.ukWritten on: 28/03/2013
Ok so.... Applied or mortgage on28/01/13 Told get answer in 3/5 working days.... Ha joke After lots of mither with these pathetic underwriters they finally approved on 06/03/13! Then issues with underwriters again, long story short Wanted to move on 27/03/13, Santander said " yes that should be fine , no prob, well it's 26th an I'm told that tomorrow ain't happening, Van booked, people booked off work, house upside down, boxes everywhere. If I had to do it again I would never go with... (read more)
Visit santander.co.ukWritten on: 15/03/2013
I couldn't believe how awful the service I have just received from Santander regarding transferring my mortgage to interest only for a few months. I have just started my own business so wanted to make sure I didn't get into any financial difficulties while I was still building a client base, I called Santander 2 weeks ago to ask to be transferred to interest only they said I had to visit the branch to speak to a mortgage adviser. They gave me the number (which was incorrect so I had to look... (read more)
Visit santander.co.ukWritten on: 12/03/2013
How is it that although the Bank of England has lowered the base rate for the last several years to help mortgage holders, Santander have put their rates up?!?! Whatever happened to the nice local Abbey National - Santander have wrecked a reputable bank and instilled a terrible banking ethic with customers. The bank that likes to say... No! (read more)
Visit santander.co.ukWritten on: 01/03/2013
We applied for £10k additional borrowing on our repayment mortgage to pay for a garage conversion. At present we only owe £22k on a house valued at £240k and our credit rating is excellent. We have been Alliance & Leicester/Santander customers for 18 yrs. Santander said we could have a personal loan, £196 pcm payable for 5 yrs. However, they seem extremely reluctant to add the 10k to our mortgage because they are concerned that we may not be able to meet the additional £68 pcm payment... (read more)
Visit santander.co.ukWritten on: 01/03/2013
I have managed to get mortgage agreed by Santander which was great. However we needed to change the address of the property we were purchasing. Same town, same loan amount. We were told it would take max. 48 hours to re apply. It took 5 days!! It has so far taken them another five days to instruct the survey company to do the survey for us. When we called the service centre the guy actually told us that all that needed to be done was for someone to press one button on email and the survey... (read more)
Visit santander.co.ukWritten on: 13/02/2013 by Tinkert (1 review written)
My house was in positive equity when we both lost job. Told pay off arreas we will reduce mortage. Refussed when paid arreas. now keep changing monthly payments to suit them they have my financial statement can see I can only pay our first agreed amount but they wont back down. Even dhss paying them. I pay shortfull. I think they cause stress for sake of it. No one wants to be on jsa if they have a mortgage I just wish they would leave me alone. 15 years I was paying a mortgage with no... (read more)
Visit santander.co.ukWritten on: 02/02/2013 by Unsatisfied2222
Currently stationed in Germay. No way to contact these people. The website does not update properly not allowing me to pay. My auto pay setup never goes through and they call me telling me the payments are delinquent every month regardless of what I can imput on the website. There's almost no customer service for an OCONUS service member. The list goes on. (read more)
Visit santander.co.ukWritten on: 31/01/2013
Wanted right to buy mortgage to buy our council house, we have 47% discount so we will own nearly half the value, sent paperwork by email, phone call after phone call, fobbed off time and time with underwriters still not got back, total waste of time, they was more interested trying to do a balance transfer on our credit cards than a mortgage, which somehow I think would effect a mortgage application......... Joke of a lender, thanks but no thanks stick your mortgage where the sun don't... (read more)
Visit santander.co.ukWritten on: 28/01/2013 by an0nreview (1 review written)
COMPLAINT: EXCEPTIONALLY POOR HANDLING OF MORTGAGE APPLICATION! Santander has proven they are wasting my time and an opportunity to purchase a property due to the unbelievably poor service and appalling attitude in dealing with my mortgage application over the past three months. I have had information requested from me several times - rather than all at once - and so my application is taking nearly three months (and counting) while I am making every effort to provide all the information... (read more)
Visit santander.co.ukWritten on: 27/01/2013
I am not sure what we can do about our situation as we are still waiting to hear back from the underwriters- hopefully tomorrow or Tuesday. My brother and I have applied for a mortgage of £180,000.00 (fixed rate 4.%) and have been approved. However, our solicitor (recommended by Santander as part of he banks panel) failed to tell us that the underwriters have changed their minds and 'temporarily withdrawn' the mortgage. not only did we contact and email the solicitor several times a week to... (read more)
Visit santander.co.ukWritten on: 02/01/2013
So I have had a mortgage with Satander for the past 5 years with an ex-boyfriend. We spilt up and I bought him out and married my new boyfriend. We now just want to take my ex's name off the mortgage and deeds and put my husbands on. This is called an application for "change of borrower" The problems started from the minute I started the over the phone application with our advisor in the Glasgow office. It took almost SIX hours. Then she sent me the application we had gone through and it... (read more)
Visit santander.co.ukWritten on: 19/12/2012
Doing the 'over the phone' mortgage application to a belfast department has been a disaster. Verbally our complaints department representative says we have a mortgage agreed but it isn't showing up on the system after 3 days. It has taken 8 weeks so far to get this mortgage. I am on the phone right now waiting to get through to the complaints department to find out what is going on (38 minutes and waiting!!). If you want a better chance of getting a mortgage with Santander don't do it over... (read more)
Visit santander.co.ukWritten on: 28/10/2012
Phoned Santander as I was looking for a shared ownership mortgage. Over the phone they took my details gave me mortgage in principle-thought great. Santander told me they could do everything over the phone-it would be quick and easy. Told them everything, only wanted a small mortgage less than what I earned in a year. Phoned me back after 1 hour (at times quite strange, and half way through thought she was determined to fail it by her attitude)mortgage application,10mins later told yes you... (read more)
Visit santander.co.ukWritten on: 11/10/2012
The pay down £2000 a year on a mortgage of £9000 yearly payments the charges and penalties are ridiculously high for the person who is not savvy with mortgage deals I don't know how it is legal. (read more)
Visit santander.co.ukWritten on: 08/10/2012
It's now approximately 2 years since we first took out a Santander fixed rate mortgage. Moving into a new build house with 5% deposit paid by the builder I was told that Santander were probably the only option for a mortgage. Although I had never had any problems personally with Santander (as a current account customer but one who had never really required anything from them other than the ability to access my money) the negative reviews of their mortgages and the poor reports of their... (read more)
Visit santander.co.ukWritten on: 24/09/2012 by mrswilson12 (12 reviews written)
Santander offer a brilliant service, when it comes to Renewing your mortgage. I was looking at being faced with a complete renewal package with my local mortgage broker who informed myself and my husband that we had to complete a Full Mortgage Application for our 5 year Set mortgage that was due to expire in July of this year. The fee's our broker informed us about where all in the region of £1000 for mortgage application costs with 3 different uk providers. As we were originally with... (read more)
Visit santander.co.ukWritten on: 18/09/2012
I went through the same nightmare like the previous reviewer recently. I have been with Santander for 6 years and the loan has actually been paid down completely but I have kept the facility (it's a flexible offset mortgage) due to the good rate. After consulting with the mortgage advisor at the local branch and the customer retentions team over the phone, I was reassured that it would be fine to port the mortgage over to a house we are looking to move to as long as we are not keeping the... (read more)
Visit santander.co.ukWritten on: 04/10/2012
I agree. I had a mortgage with Alliance and Leicester (Santander), most of it on a base rate. When I moved home my mortgage in it's entirety was taken off me. I had always paid my mortgage on time. I lost a house and I am now in rented accommodation. There is no point in complaining. Or going to the financial ombudsman as they cannot help.It is dreadful to be treated this way with no one to help. Bankers are still playing us, the consumers, dependant on them, for fools.
Written on: 17/09/2012
Been a Santander mortgage customer for over 10 years, never missed a payment and A1 credit. Self employed with limited company for 25 years. Decided to move house and port existing mortgage over, "No problem Sir" 2 hour phone application completed and answer expected in 3-5 working days. So far, so good. That was on August 7th. Chased paperwork and was told it had been posted several times, Excuse after excuse including "the olympics is slowing down the post!" From Glasgow to... (read more)
Visit santander.co.ukWritten on: 05/09/2012 by morgan.ross
Me and my girlfriend have been trying to buy a share of a house under a government backed scheme to help first time buyer and people with less than glowing credit ratings. We went through the pre-application process which we sailed through and were informed that as we had no chain and the property was newbuild, that we could be in within 3 weeks! Great news eh? No... As the house is newbuild, some lenders were unwilling to lend any more than 70%, and some were not prepared to lend on the... (read more)
Visit santander.co.ukWritten on: 30/08/2012
having accepted an offer on our house put an offer in for another we decided to go with santander as we are an existing customer.we produced all that they asked for and our mortage advisor proceeded.it went to the underwriter who declined our request of 145000 however they were going to lend us 133000.our mortage advisor appealed it on the grounds that my husband actually earns 7000 per year more than what they had actually calculated.how i dont know when the paperwork was in front of... (read more)
Visit santander.co.ukWritten on: 22/08/2012
I have been with Alliance and Leicester for 10 years and have never missed a single mortgage payment. I moved house at the end of June 2012 and, because of the deal I had with A&L, decided to port my mortgage to my new property while taking out an additional product with Santander. Two months after completion, my mortgage has still not been transferred, Santander have issue me with a statement showing money being paid off but nothing has come out of the bank. A&L have called me to say my... (read more)
Visit santander.co.ukWritten on: 15/08/2012 by MattRoberts999
Apalling. We had a mortgage with Santander and they were loaning us additional money to finance a significant building project. The build cost £130k and would take the house from a one bed to a three bed with an end value of £600k. Our mortgage is 320k. With two weeks to go until the final payment to the builder, and after having stated they would loan us £67k to finish the work, we get an e-mail (no phonecall) saying that the underwriters had changed their minds and no further money... (read more)
Visit santander.co.ukWritten on: 21/08/2012
in these circumstances, i always find that a strong worded letter to the manager with a promise of marching outside the local branch often works. though, you will actually find yourself marching with a banner up and down outside, which is why it is a good idea to get the local and national press on side and take lots of pictures. should the manager protest at your presence, you simply tell them that you had prior informed them that such activity will take place. This done at several branches throughout the area, may soon change the mind of those making decisions. Or you may find yourself in court for Public Order Offences, but then your getting further publicity by being in court, give a press conferance outside the court with your story and see what happens.
Written on: 02/08/2012 by ready
Do not use Santander. All the reviews on here are right. I applied for a residential mortgage 4 weeks ago and declared at the time that i had 2 rental properties. They took all the details and said they would take this into account. Over the phone they confirmed my mortgage subject to application form and copy payslips. 4 weeks later and chasing them every day, i got a call at 8.30 in the evening to say the person on the phone didin't tell the UW that i had two BTL properties and i have to... (read more)
Visit santander.co.ukWritten on: 13/07/2012
I had a morgage with Santander and understood that I could carry my morgage over from my previous property which appears to be straight forward procedure . This is not the case. It is a competely new morgage . I had to wait for two months and I was accepted then shortly afterwards the morgage was declined . Santander have kept £3000 of my money as an early repayment fee even thougth I was borrying slightly less and my credit history was fine. If they do this with many customers it... (read more)
Visit santander.co.ukWritten on: 11/07/2012
Cant believe Santander is allowed to waste people's time and blatantly lie to us. (read more)
Visit santander.co.ukWritten on: 10/07/2012
I've only been self employed 2.5 years, so knew I was a seen as a risk to mortgage lending, but I was assured I could get a mortgage from Santander, and was assured by their mortgage advisor I could start looking for a house. After 3 months searching, and having an offer accepted on a beautiful tudor cottage with panaromic views, getting it at a bargain price, as the owners were in a rush to move. I waited for a result from the underwriters, after several weeks chasing, phoning with no... (read more)
Visit santander.co.ukWritten on: 10/07/2012
Don't worry, you are not alone. I am an existing Santander mortgage customer and have been trying to port my mortgage. The intial application went fine and I received a letter to say following underwriter review a formal application will follow. Three weeks on, many phone calls, formal complaints and supposedly their internal customer services people chasing and I am told "they have not received the information", not from me, from their own internal porting team and that the service levels say you can wait..... My chain is disentegrating and when you asked them do they feel this is appropriate behaviour they go silent. If I wasn't seeking to port, I would definitely not use them based on this experience. Advise ALL avoid this bank for mortgages.
Written on: 10/07/2012
Hi, I am waiting to hear from the underwriters too. Apparently they will let my broker know tomorrow. I am also self employed and so am guessing I'll have bad news in the morning :-(
May I ask, with Halifax, did you need to provide tax return documents SA302's? Or was verification of accounts from a qualified accountant ok? What extra information did they ask for from the accountant?
Thank you in advance. I am very anxious as we really don't want to lose this house. The vendor is in a hurry to sell and it's already been 4 weeks since our offer was accepted, yet we've had no news on a survey. So frustrating.
Written on: 05/07/2012
Not sure if this bank (Spanish) is gone bankrupt or not (no money to lend?)? We were held up waiting for nearly 3 months to hear re. their mortgage offer. It never happened. Is it legal to keep their customers hanging around for this long? It appears that these lenders are not regulated enough to get any decency out of them. They kept asking for petty (insignificant) paperwork delaying and delaying to no end (over 3 months period). They should have told us they had no money to lend and... (read more)
Visit santander.co.ukWritten on: 28/06/2012 by wobblybee (3 reviews written)
I have a mortgage with Santander and enquired about borrowing additional money for home improvement. I was told that I'd have to switch to a repayment rather than interest only before I could be considered. Fair enough I thought, except I was then told that if turned down I woudn't be able to swap back. I was then told a valuation would be done on the basis of my address to assess affordability. The figure that they came back with was at least £100k less than the market rate and... (read more)
Visit santander.co.ukWritten on: 22/06/2012 by Petemagick (2 reviews written)
Briefly, I was advised that I would be able to transfer my mortgage to another property without any trouble. I sold my old property, then put in offer for a new one and contacted them. Halfway through sorting it out over the phone I was told I wasn't eligible for a mortgage any longer because I was on a short-term (3 year) contract. I was therefore disposed of and charged over £3000 early repayment fee. I took it to the ombudsman complaining that I was misadvised but ultimately told they... (read more)
Visit santander.co.ukWritten on: 23/06/2012
You should put a claim in through a Solicitor. I was browsing this forum and read your post, I work with a no-win no-fee Solicitors called Lawcomm. we could do two things, a. Put a direct claim in that the mortgage was mis-sold b.re-claim any MPI that you may have paid Santander in the process. This isn't spam by the way, I genuinely just cam across this post, but if you want to try and get some money back email us at alan [@] kanton-group.co.uk for further information.
Written on: 29/05/2012 by DacreFamily
My wife and I re mortgaged as we were building an extension to the house. After the telephone process we were told we had been successful and needed to send all our documents. After they received our documents they told us by phone we have an offer, and over the phone is legal and recorded so we can instruct our builders to start the work. 3 weeks later we received our documents with the loan amount £15,000 less than we agreed so we called them. They said they had revalued our house and... (read more)
Visit santander.co.ukWritten on: 27/05/2012 by Razor1957 (1 review written)
Santander are the worst bank in the world for customer service. Good bye, good riddance (read more)
Visit santander.co.ukWritten on: 25/05/2012 by Mdb37 (1 review written)
One month before my mortgage deal was coming to an end with Santander I phoned up to see what new deal they could offer me as I was paying 6% on my mortgage. The best deal they said they could give me was 4.49% so I lleft my deal to finish and go onto variable rate of 4.24% . Now I am on their variable rate I phoned again to see what rate they could give me on a new fixed deal. They turned around and said we cannot give you a new deal because of your credit rating, I was fuming as I have... (read more)
Visit santander.co.ukWritten on: 24/05/2012
Applied for mortgage as joint first time buyers in branch. Went through an 'advised' mortgage application with the mortgage advisor and disclosed everything as we are unique in that my boyfriend's mum is gifting the deposit through the equity in her house she is selling us. Made it clear we did not want any credit checks until he was sure we would be agreed the mortgage subject to the credit check. He advised it was all fine and after 4 hours in his office we did the credit check - all fine... (read more)
Visit santander.co.ukWritten on: 24/05/2012
i also had an agreement in principle and houses sold and underoffer for well over 3 weeks, they took a 'BOOKING FEE' (another con) of £495 and then 2 weeks on decided that i dont fit their new lending criteria!!!!! and to make it worse it looks like they are trying to keep my money. this can't be fair or legal!! never ever use these idiots for anything. i have been advised that NATWEST are much easier to get on with (read more)
Visit santander.co.ukWritten on: 24/05/2012
It has been 6 weeks since we had a mortgage agreement in principle and Santander had all our documentation. There is still no decision from the underwriters. Only 2 days ago we were told that after all this time, one of the document wasn't acceptable due to a missing https address. The response to our emails is patchy. They will not provide a phone number so that we can discuss the matter. The manager of the Bradford mortgage branch has changed her phone so that it does not get answered:... (read more)
Visit santander.co.ukWritten on: 21/05/2012 by 0402steven (6 reviews written)
Overall process was fine, ported an existing mortgage for a new purchase. Initial 2 hour 30 nminute telephone call was painful, but overall paperwork was with me when they said it would be. Communication with solicitor was perfectly adequate, and overall, the process was no more painful than you would expect with a house purchase. One issue that arose was that they incorrectly added an early repayment charge to our ported mortgage, but with one phone call. This was sorted (almost!) to my... (read more)
Visit santander.co.ukWritten on: 17/05/2012
It has taken 26 days in total from the application of my mortgagae to being told today it has been accepted. I was told it would take 3-5 days. After 8 days I was told to fax evidance again that they had already recieved. This was faxed and I was told to wait 72 hours. Their idea of 72 hours was another 8 days. I phoned 3 times a day to be told to phone back later/tomorrow. It was only when I esculated my application to a complaint that I was given a decision. The only positive is that they... (read more)
Visit santander.co.ukWritten on: 16/05/2012
4 weeks wasted, only to get declined, communication terrible, long drawn out process. Wouldn't want to do business with them and will be moving all my RBS accounts before they take over so I have no future dealings with them. (read more)
Visit santander.co.ukWritten on: 02/05/2012
I'm now 4 weeks on from my first call to them I still haven't even got as far as 'applying'. They have wasted so much of my time, they are inefficient with 'no record' of previous and lengthy calls. Various individuals there have made promises to call back and haven't. They are officious, beuracratic and treat potential customers with utter derision. They do not deserve to be in business. In fact - I cannot understand how they ARE in business at all. This is the worst example of utterly... (read more)
Visit santander.co.ukWritten on: 24/08/2012
Yep Thats Santander ,,, exactly the same if you invest money with them and then try to withdraw your funds ... just a nightmare organisation
Written on: 10/09/2012
Glad it's not only me then!
Written on: 02/05/2012 by acoombe3
Being new to the mortgage scene i decided to approach a morgage advisor who sorted absolutely everything out and rather swift. 3 weeks down the line lovely, mortgage set up with Santander.. 2 years later and a bickering conflict with the Mrs and we have separated leaving one of us to buy the other out. being the bread winner and her Satan’s spawn I decided to approach Santander about additional borrow. I ran through the calls and the settlement amount.. the conversation in blunt was... (read more)
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Kerrybish's Response to JWC09's Review
Written on: 20/04/2013
umm, sounds famililar, weve just been delined, reducing our term by 5 years, reducing the ltv by 15% and paying back £65000, total and complete utter idots ! NEVER NEVER NEVER go with them sounds like we have written every single review