Santander Mortgage Reviews - www.santander.co.uk

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Latest Reviews

★★★★★

“Fantastic!”

Written on: 06/06/2016

You see so many bad reviews & it makes you so nervous i think it's important for the people who have had a good experience to comment more. We are first time buyers who have just been issued our official mortgage offer on Friday YAY!! From the day of application to the day of official mortgage offer was exactly 10 days for us aswell! It has been such an easy, smooth & stress free process with no additional questions or hiccups along the way, it has been brilliant! … Read Full Review

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★★★★★

“FAB response”

Written on: 05/06/2016 by McLaughlinwr307 (1 review written)

Applied for a new mortgage for our new build home and was accepted... Took only 10 days to be issued from application by Mortgage Advice Beureau.. Definitely recommended and very pleased with swift and efficient service… Read Full Review

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★☆☆☆☆

“1st Time Buyer bad impression”

Written on: 30/04/2016 by O'Brien1962 (1 review written)

We're first time buyers so should be an exciting time; never been so stressed or upset. Our financial adviser got us a mortgage in principle for £147K so we put offer in on house which was accepted, but now our financial advisor had put in application been asked questions as expected and provided all information but now they are saying we can only have £120k!! Even though the mortgage offer in principle was for more, how is this fair?? The monthly repayments for the mortgage were coming out… Read Full Review

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★★★★★

“Thought people may be interested in timings with...”

Written on: 27/04/2016 by Hart480 (1 review written)

After problems getting my mortgage application approved as Halifax made an error on my credit report, i resolved this by demanding the customer complaints manager spoke direct to experian to correct their mistake, this happened overnight, after I had been told it would take 5 days their side and up to 6 weeks for experian to update!! Just a warning to people there... Even with a perfect score you can still be declined. My mortgage broker applied again with Santander once my credit report was… Read Full Review

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★☆☆☆☆

“Santander are extremely slow - small additional loan ”

Written on: 21/04/2016 by frustratedwithsantander (1 review written)

Santander are extremely slow - small additional loan on mortgage I am extremely frustrated with Santander. Had two lengthy telephone chats with advisors just to get the process rolling. Every detail about my life seemed to asked about bar activities in the bedroom! Firstly told I wouldn't need a valuation survey on my property, then next day got a call from a surveyor telling me he had been instructed to do a valuation. Once the process was passed to the underwriter, extra information was… Read Full Review

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★☆☆☆☆

“Go somewhere Else, Don't waste your time”

Written on: 20/04/2016 by Monkey72 (1 review written)

I use a Mortgage advisor, have done for years. I’ve lived in the same house for 13 years and it’s time to move on. I want to exchange quickly as my seller has a major job to do before we complete. My mortgage advisor recommended Santander because they are supposedly quick. I’ve had an account with Santander for 10 years (Formerly Alliance & Leicester) I’ve never had a problem with them so I agreed he should place my mortgage with them. I had a DIP straight away, no issues there. I… Read Full Review

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★☆☆☆☆

“I'd rather stick carpet tacks in my gums....”

Written on: 29/02/2016 by mr_jones (2 reviews written)

I'd rather stick carpet tacks in my gums.... than use these people again. Went through a mortgage advisor which was a great process. I chose a Santander mortgage - probably the most fated decision of my life to date. They are slow, dictated to by a 'computer says no' culture and inflexible. I agrees with a reviewer lower down, and don't even bother selecting them if you are self-employed. Other than a DNA sample, they have had all of me. Did I like anything? The interest rate was better than… Read Full Review

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★☆☆☆☆

“ Can't afford it, can afford it”

Written on: 23/02/2016 by barbara1949 (1 review written)

I had a £60K mortgage with Santander taken out February 2014, (couldn't praise Santander enough with that application all done and dusted within a month), however sold that property end November 2015 was told mortgage fully portable if new one taken out within three months and redemptions fees of 3% refunded. now buying a property applied to port to mortgage, but I then had to undergo the full process of income expenditure etc, told I could only have £40K mortgage then told I couldn't even… Read Full Review

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★☆☆☆☆

“Santander, most unprofessional bank I've ever dealt with.”

Written on: 15/02/2016

I would not use Santander for a mortgage under any circumstances in the future. I have reluctantly given them a 1 star rating because the system won't let me select none! My original mortgage with Alliance & Leicester (very good) was transferred over to Santander when the company bought out A&L several years ago. Needing to move house I applied for a new mortgage with Santander. I could go on for hours about how unprofessional, poorly organised, incompetent and damned frustrating this company… Read Full Review

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★☆☆☆☆

“WORST Lender Ever”

Written on: 03/02/2016 by Wes2016 (1 review written)

The worst experience of my life. Lost out on two properties because Santander are quick to start your application but cause the most unimaginable issues further down when your choices are limited and you're against time. The make a complex processes very stressful and they are not transparent with their service. Avoid at all costs - there are better lenders out there. They are quick to entice you with decision in principle but their heavily layered teams and incompetent underwriters your… Read Full Review

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★☆☆☆☆

“If only I could give a zero - Terrible Service at all...”

Written on: 23/12/2015 by Norwood333 (1 review written)

Recently moved and took out a new mortgage with Santander which has been a nightmare all the way through. Firstly they decided to change the date we paid our mortgage what isn't a massive issue but we wanted to make the payment immediately which proved very difficult as cannot do this in branch. We also have a retention on our mortgage and after getting a surveyor out who said everything was fine they said we needed to do more to release the funds, have been on the phone with them to try and… Read Full Review

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Wes2016's Comment

Written on: 03/02/2016

Ditto! I have experienced exactly the same from Santander. They are quick to entice you with decision in principle but their heavily layered teams and incompetent underwriters your time is wasted and we lost two properties because of that.

In the market you need the lenders to work with you not against you.

I will never ever go for Santander. I have had a mortgage with Halifax and Clydesdale in the past and they are by far the superior lenders.

AVOID Santander and they will give you issues, during and certainly after your process has reached critical stages. I even lost out on my valuation fee!

Disgraceful!

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★☆☆☆☆

“Worst experience of my life ”

Written on: 20/12/2015 by Terrell365 (1 review written)

I have had a mortgage with santander since June 2011 and never missed a payment I signed up to a new fixed rate deal in March, we then decided to sell, move to a smaller place and port our mortgage because its a good rate and we dont want to pay early redemption fees .............. we live in scotland missives are to complete next week on out sale meaning we cannot legally back out, but Santander are still not giving us a mortgage offer and keep coming back to us asking more and more silly… Read Full Review

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★☆☆☆☆

“Stalling tactics!”

Written on: 09/11/2015 by 186Self (1 review written)

So much for offering reduced rates. Over two 20 minute phone calls most of which were spent on hold whilst verifying my details. Seems to be a stalling tactic to not offer customers the reduced rates they advertise. Have had a mortgage for over 6 years yet was treated very poorly. Just another number!… Read Full Review

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★☆☆☆☆

“Difficult slow process”

Written on: 29/10/2015 by TaylorCormier51 (1 review written)

Only apply to Santander if you are not self employed or a company director, tick their list of boxes and prepared to wait for their long and tedious application process! … Read Full Review

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★☆☆☆☆

“Mortgage Application”

Written on: 21/10/2015 by Underwood37 (1 review written)

We are account holders of Santander and have never had a problem. However, we applied for a very small mortgage which was a disaster from day one. Nobody ever calls you back, you never speak to the same person, it takes a very long time to get through on the phone, its terrible. Even though our solicitors were told the mortgage was refused we to date have not had a letter or phone call to explain why. Totally shocked and upset by what we thought was a very good reputable bank. Needless to say… Read Full Review

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★☆☆☆☆

“shocking”

Written on: 16/10/2015 by EllieShaw (1 review written)

I'm surprised they sell any mortgages,been paying it for 16 years never missed a payment and wanted to decrease some years but was declined.Our house is worth over 4 times what we want to borrow. Ridiculous… Read Full Review

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★☆☆☆☆

“Tortoises can run even faster ”

Written on: 02/10/2015 by 242Flood (1 review written)

I applied my Santander mortgage via my broker . The surveyor was rude and arrogrant . After ten days , I still do not know the outcome of the valuation . I ring my broker nearly everyday and no joy . Santander blames the surveyor and the surveyor blames the lender. I would clearly avoid Santander if I had known… Read Full Review

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★☆☆☆☆

“Would be 0 stars but 0 is not an option”

Written on: 14/09/2015 by CelesteSilva363 (1 review written)

We earn 3 times the mortgage payments and have 15% deposit. Declined. Also have over 900 Credit Score on Experian. I would not recommend them due to complicated terms and conditions also… Read Full Review

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★☆☆☆☆

“Do not use Santander”

Written on: 28/08/2015 by Rvailcp (1 review written)

We have a first timer buyers and our sellers have already moved out of there property so should be a straight forward process.......that is if Santander were not involved. Our buyers are with Santander and no word of a lie we are now 6 months in to the process. The approved solicitor that they recommended our buyers to have were very slow, didnt ask for any information, can never get them on the phone and would have the files for 4/5 weeks before responding. We were ready to exchange 4 weeks… Read Full Review

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★☆☆☆☆

“Imagine a nightmare and realise it is true!!”

Written on: 20/08/2015 by Longwalk (1 review written)

I have been a Santander customer for 4 years with a £500k mortgage. Never once missed a payment. I also have a personal loan and house insurance with them too. One would have thought that I would then be seen as a valued customer. I am now trading down buying a smaller property, taking the mortgage down to £350k, my credit score is Excellent at 550 with Equifax and 6 weeks later having applied for the 'new' mortgage I am still waiting for formal sign off or even a meeting with a mortgage… Read Full Review

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