Santander Mortgage Reviews - www.santander.co.uk

Click here if this is your business
★☆☆☆☆
1.4 / 5
193
10% of users recommend this
Click here if this is your business
  • Value For Money

? Ask our helpful community of experts about this product or company
Santander Mortgage www.santander.co.uk - Ask a question now

Media Gallery for Santander Mortgage www.santander.co.uk

Santander Mortgage www.santander.co.uk

Refine your search

Use the tools below to refine your search by only displaying reviews with a certain number of star ratings or to only show reviews from a certain time period. Eg click on '1 star' to just display the reviews we have which received a 1 star rating click or 'Within the last month' to display just reviews posted over the last month.

Latest Reviews

★☆☆☆☆

“Why!!!!”

Written on: 18/07/2015 by 29Clay (1 review written)

applied to Santander via a FA got a AIP immediately and offered on our neighbours house! For the full application the wanted three months payslips for my with plus the last three years SA302 documents from HMRC as she is employed and self employed plus three months bank statements for me just the last three years SA302 and three months bank statements all supplied they then decide they want the last three years tax year overview for both of us have to come from HMRC again more delay just found… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“Offer withdrawn”

Written on: 15/07/2015 by Maddenjx149 (1 review written)

We were issued DIP, went through the application process with no problems. Offer sued, then 24 hours later a fax to the solicitor to withdraw it!! Gutted- trying to find out why… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Qwerty098765's Comment

Written on: 18/07/2015

Further info on this- apparently the case got pulled for an audit by head office who AGREED the mortgage and issued the offer. Still trying to find out why, 24 hours later the offer was withdrawn.

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Qwerty098765's Comment

Written on: 18/07/2015

Further info on this- apparently the case got pulled for an audit by head office who AGREED the mortgage and issued the offer. Still trying to find out why, 24 hours later the offer was withdrawn.

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 2 Comments
★☆☆☆☆

“Been waiting since March for an offer. ”

Written on: 28/06/2015 by Maria.c.g (1 review written)

We applied for a mortgage through our Mortgage advisor in March. At the end of April they came back and said they wanted proof of Child Benefit which took a few weeks to come through. At the beginning of June we still had no idea who the lender was going to be. But we saw a house and asked our broker how much we could borrow and he wrote us a certificate of lending. So we put an offer on the house. Its a repossession so the conditions are that we exchange in 4 weeks. Broker said this was no… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“ABSOLUTELY TERRIBLE SERVICE!!!”

Written on: 15/06/2015 by JaseHarrison214 (1 review written)

Well where do I start... The 25th may 2015 we had a appointment with a mortgage broker and we decided to get a mortgage with Santander for a 95% mortgage.. We was told we needed 3 months pay slips and 3 months bank statements.. All these documents were sent through.. My partner had 2 weeks payslips missing as he was off work unpaid due to personal issues, he then got a letter from his manager with the explanation for this. So then the broker said this will be fine.. 4 days later we receive a… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Js511's Comment

Written on: 19/06/2015

We are in a similar position with Santander. We have passed affordability and have perfect credit scores however when applying for a Dip there was a technical glitch. Their system turned us down even though underwriters and business development manager have checked our application thoroughly and are sure it should pass. They think that their system is duplicating our joint debt as it is on both credit reports and therefore making us look as though we owe twice as much. No one appears to know how to sort this out despite continuous calls by our broker and even sitting in the branch with a manager who tried her best to get it sorted. Our seller has understandably now put the property back on the market and has 5 viewings this weekend so we are almost certainly going to lose our purchase. We even asked if we could apply again in the hope it was just that application but we're told if we did it would damage our credit score and we would be turned down on that basis! We have made a last effort this afternoon to sort this out and Santander are aware that we are going to lose the property, we were told yesterday it would be sorted out by the end of the day, it hasn't happened, no phone calls or updates just sitting in limbo waiting. I find it totally unacceptable that we are going to lose this because they can't make a decision without a computer system and they don't know how their own systems work! Oh and on top of that they had already wiped off 5k because debts that we paid off months ago were not updated on experian, even though we have letters confirming they are paid off. Terrible customer service and unfathomable rules and regulations that they clearly haven't got a clue about themselves!

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Paigependletonbow's Comment

Written on: 19/06/2015

Im really sorry to hear that! It's terrible service! I would keep getting into your broker and that's disgusting service!!

My case worker got back to me today to say ONCE AGAIN more paper work was needed, they now need in writing what certain direct debits are for... Even tho these have all been explained previously. I personally think the service is a absolute joke! This has been going on for nearly a month now and we are still no closer !


How long has your application been going on for? And when did they tell you no?

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Js511's Comment

Written on: 20/06/2015

It's been going on weeks now waiting for experian to be updated. Then applied for dip on Monday, still haven't heard back so will definitely lose the house. From what I've read though you're not the only one who had dip then have loads of issues getting full application. It's awful playing people's lives like this! It affects everyone in the chain and is totally pointless. They offer you less than what you need so you have to scrape together even more of a deposit which leaves you screwed financially then the actual monthly mortgage payment is only about 30 quid cheaper! It just has no logic whatsoever other than they don't want to lend to people who don't have big deposits. Unfortunately unless you benefit from rich parents or huge salaries it's just not realistic. We can afford the payments, we have perfect credit and good jobs but as usual that's not good enough!
Hope you get sorted, I'm really hating having to deal with banks, they are accountable to no one and most of the people that work there haven't got a clue!

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Ericano's Comment

Written on: 08/07/2015

will let you know in a few days santander getting such a bad reputation for this...worried sick at the moment

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 4 Comments
★☆☆☆☆

“Pointless mortgage in principle”

Written on: 24/05/2015 by Tobin78 (1 review written)

What a waste of time a mortgage in principle is. Spend hours completing paperwork and sharing documents, told everything fine no problems. Get mortgage in principle but when you apply fully get declined. Makes you feel terrible, its embarrasing to your chain and the worse thing is that you have NO IDEA WHY???? Now have to start all over again… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Paigependletonbow's Comment

Written on: 15/06/2015

Can I ask what there reason was for declining your mortgage?? Santander are currently back and forth asking for additional information constantly!! I'm losing the will to live.. As soon as it seems where reaching a end they then ask for more information such as our next pay slips etc..

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 1 Comment
★☆☆☆☆

“Terrible service”

Written on: 21/05/2015 by Colemanam1960 (1 review written)

Mortgage service is beyond ridiculous has taken 6 weeks and still no survey booked , wish I had gone with another lender !… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“Terrible Company”

Written on: 20/05/2015 by Greene379 (1 review written)

My husband and I have never, ever missed a mortgage repayment in our lives and our credit ratings couldn't be any better. We applied to renew our mortgage with Santander. They approved the mortgage in principle. We provided everything they wanted, bank statements, bills, birth certificates, salary slips. They had the house valued. All was on track and then right at the very last minute our broker was informed that they would not give us a mortgage due to reasons of "affordability". However we… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Jenniwitcher's Comment

Written on: 21/05/2015

I agree, we are in a similar position. We went through a broker, was given a mortgage in principle by Santander very quickly for amount we wanted. Submitted everything and after 2 weeks of silence denied. No further information. We wasted nearly a month with Santander and now have to start again! What's the point of a mortgage in principle if its meaningless? If our chain collapses because of the delay whose fault is that. Frustrated is not the word.

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 1 Comment
★☆☆☆☆

“Changing Fixed Rate at maturity”

Written on: 01/05/2015 by Lisarobert (1 review written)

6 Year fixed rate 6.49% (£227 PER MONTH INTEREST ONLY) ended 02/04/15. No notification it was ending until after it ended. Phoned up 13/4 and changed to 2.99% (£104 PER MONTH) FOR 3 YEAR. WAS TOLD THAT EVERYTHING WAS FINE. CHECKED DIRECT DEBIT TODAY AND SANTANDER HAD TAKEN £170 (SANTANDER'S ANNUAL VARIABLE RATE OF 4.74%). PHONED UP AND THEY SAID THAT ALTHOUGH I APPLIED ON 13/04 FOR NEW RATE, IT DOES NOT COME INTO EFFECT FOR 14 DAYS. MORAL OF STORY IS THAT THEY WILL ALWAYS GET AT LEAST 1… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“Wasting time and inefficient staff.. ”

Written on: 28/04/2015 by Alanx116 (1 review written)

I am existing customer, sharedownership customer. to buy my remaining shares, applied over the phone. pretty helpful. confirmed can get the amount i m looking for over a month still asking for documents after documents.. still not sent to their underwriters.. initially all agreed, affordability etc., etc.., nos over a month still no development thinking of pulling out and going to another lender. stupid people and stupid bank… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“Santander, common sense doesn't seem to exist”

Written on: 27/03/2015 by MariahDwyer (1 review written)

Applied for a new mortgage in Newtownards branch 5 weeks ago and as a current Santander Abbey customer for 30 years you would think it would be a no brainer, 50% LTV reducing current mortgage from 160,000 and asking for less than half the previous committment, on a new house, we have never missed a payment with them or defaulted on any of our other committments. Initially told that we will have an offer letter in 24 hours, that was 3 weeks ago. Was then told 3 weeks ago all was ok!!!! 3 days… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“Mortgage 50% LTV - How long can it take?”

Written on: 06/01/2015 by 17Young (1 review written)

Shame there isn't the option to give zero stars. Applied for mortgage six weeks ago by telephone, passed through several 'stages' talking to different people. They tell you your mortgage is approved - then you speak to the next stage along and are told that actually it hasn't been approved. Now told that application has been passed to the underwriters, God knows how much longer this is going to take. No mention of them actually going to survey our dream property yet either! After the… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Nataliec1993's Comment

Written on: 06/02/2015

I am currently going through the process of a mortgage application with Santander and they are proving to be a nightmare!! How long did it take before they managed to get it completed for you?

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Anniegirl1's Comment

Written on: 27/03/2015

Are you still battling? I have been going through this for about a month - I'm beginning to think they don't actually want my business!!! And I am putting down 60% deposit!. It is a nightmare!

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Malfunctions's Comment

Written on: 27/03/2015

We have been waiting now for 5 weeks and still no further on, we ate due to complete on our current house in less than 4 weeks and Santander have been useless, our current mortgage with santander is not portable and having banked with Abbey/Santander for 30 years means nothing to them. On tuuesday we were told a decision would take 24 hours, wednesday we were told 48 hours and today friday we are told 72 hours, its a joke.3 weeks ago today the girl in our Newtownards branch told us everything was sorted and to come in and sign the following monday morning, when we arrived she then says it will probably be ok, 3 weeks later we still have no offer from Santander. We as loyal Santander customers feel so let down.

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Anniegirl1's Comment

Written on: 27/03/2015

I'm going through this now via a broker - It would be impossible for Abbey to make it more difficult if they tried! I would not do business with them after this, would not recommend them. I gather they don't need or really want my business? I have a 60% deposit and am borrowing 40% and they still put spokes in every wheel. Unbelievably bad!

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 4 Comments
★☆☆☆☆

“What a Joke”

Written on: 16/12/2014

Background: Looking to remortgage for £159k on a £950k house. A1 credit with permanent employment. Also jointly own 2nd home outright with no mortgage (retired parents home) which I will be selling in the near future. Applied for mortgage and had a 50 minute pre application telephone call! Easily met affordability and was passed to a REAL mortgage advisor. After wasting 3 1/2 hours of my time on a telephone interview and a wasted credit check my details were passed to an underwriter who… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“Re-Mortgage nightmare”

Written on: 09/11/2014 by Silvajw371 (1 review written)

Incompetent staff ended up re-mortgage with the Woolwich with no hassle. After being a long term customer I am transferring all my business from them… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“no to mortgage”

Written on: 16/10/2014

surveyor has just given reason for not giving a mortgage on my flat, due to the FACT IT IS EX LOCAL AUTHORITY NOTHING ELSE, this is so wrong the surveyor is so incorrect with his information , do the government know these lenders are dismissing ex local properties, which are most times a lot better built than private block, my flat is in Sutton surrey 30 mins by train into London, we have negative remarks from him can we challenge this, a few things he has said are incorrect, he came from… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★★★★★

“can't fault them ”

Written on: 13/10/2014 by andycoops85 (1 review written)

We went to a broker for our first time buyer mortgage they recommended abbey /santander after reading reviews I thought we made a mistake by going ahead but we definitely didn't. We got a mortgage in principle the same day 4 days later we got our offer and a simple phone call to them direct allowed us to pick our direct debit date. The valuation was done very quick no fees and cashback we really can't fault them. You know what they say you only read bad reviews well this time they deserve a… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“A waste of time”

Written on: 06/09/2014 by ziBentley179 (1 review written)

Just do not use. I got a Mortgage in Pricipline straight away and included that I was taking the Army's FHTB scheme on my outgoings. Then my broken came back to me asking me for more money as a desposit, which I said yes. Got told survey had been booked, 2 weeks and nothing no survey no anything. My broken then phoned asked for more money for the desposit to make up to 15% desposit, which I said yes and sold my Horse Trailer to raise the funds. Another week pasted and then my broken phoned and… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
★☆☆☆☆

“Dreadful ”

Written on: 01/09/2014 by LiasidesA (1 review written)

I have two mortgages with Santander, never missed a payment since the 4 years of having the products. One would presume that this history with Santander would allow for additional borrowings on one of our mortgages to be a simple and easy process. Think again!! The beginning of June 2014 we commenced the application process, we had to resubmit proof of earnings (payslips), marriage certificate, and bank statements for both the wife and I. It is now September 1st and we are still yet to have a… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Ukhart2000's Response to LiasidesA's Review

Written on: 25/10/2014

They don't know how to spell loyalty, let alone practice'it

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 1 Comment
★☆☆☆☆

“A tale of woe”

Written on: 13/08/2014 by mattmartin19850815 (1 review written)

We had all the right wheels in motion. we'd done everything we had to and santander had been happy until yesterday, when they quite literally just changed there minds. granted there was a change of policy. But for a company to just take your hopes and dreams and throw them to the ground without thought is truly saddening. We've gone from happy and looking forward to buying our first home, to nervous and scared, and will probably stay that way until the keys are in my hands. Even though we've… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Zennorj's Response to mattmartin19850815's Review

Written on: 22/08/2014

Exactly the same happened to us! Was given AIP / DIP and even the offer in writing to then a month later for them to change their minds and drop their offer, which left us stuck, very stuck..

So we withdrawed our offer and found a new mortgage with a new (better) house. This was the silver lining as the old house had a terrible lease company associated with it also as we are buying part rent part buy.

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 1 Comment
★☆☆☆☆

“Slow Terrible Underhand do not use this company”

Written on: 11/08/2014 by Littleaf197 (1 review written)

I have banked with Santander for over 20Yrs and never missed payments for anything. I have a perfect Experian credit rating. I hold a business account with them that turns over well in excess of a million a year which does not sound a lot in business terms but with only three staff including myself its ok. I originally wanted a 200k mortgage but they said 180 max which I agreed to. After 3 months of asking for this then a week later asking for that then another week later asking for this it… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Ukhart2000's Comment

Written on: 26/10/2014

Please, Keep away from Santander

The top Brass of SANTANDER, are a bunch of incompetent Highly paid B-----s.
hence, the lower ranks are the same, "INCOMPETENT" Guided by badly Programmed computers. No Human makes decisions in Santander.
Good luck with other lenders .

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.

Ukhart2000's Comment

Written on: 26/10/2014

Please, Keep away from Santander

The top Brass of SANTANDER, are a bunch of incompetent Highly paid B-----s.
hence, the lower ranks are the same, "INCOMPETENT" Guided by badly Programmed computers. No Human makes decisions in Santander.
Good luck with other lenders

Reply to this comment
If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review Read 2 Comments
★☆☆☆☆

“Waste of time”

Written on: 10/08/2014

If your self employed or have a flexible tracker plus mortgage you have no chance with santander . My mortgage payments are £120 a month yes only £120 per month... I have a 450,000 house with 350,000 of equity. I am showing earning Between 45 - 50k a year. I have a 999 credit score & in credit in all my accounts. I have never missed a payment in 13 years with Santander. I wanted to re mortgage to the tune of 40k. I spoke with the local mortgage adviser and I met all the criteria. I then… Read Full Review

If you are commenting on behalf of the company that has been reviewed, please consider upgrading to Official Business Response for higher impact replies.
Report this review
overview