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“Call back”

★☆☆☆☆

written by Copthorne4 on 28/11/2023

I have reserved a two year fixed rate as my last one is due to run out. Last week the mortgage rate came down but told I can’t change to that mortgage as it’s leas than 2 weeks before mortgage starts. Phoned to ask why and told someone will call me back within 5 days as they are too busy to talk to me! Really? Still no call.

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“Disgusting, untrustworthy and greedy company”

★☆☆☆☆

written by monkeybumpers on 30/08/2023

Santander have dropped their mortgage offer to us. Despite this being a very low amount. Despite us having great financial ratings. They’ve made my wife very upset and I’m furious at them. Disgusting, untrustworthy company. Who are too greedy to hold their end of a 4.1% offer. Never use them.

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Asked by Adeline26 on 11th August 2015 Report this content

Will small gambling transactions (£10/£15 per month) to organisations such as Betfred and Skybet affect first time mortgage application?

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Asked by aneeltalwar on 25th June 2014 Report this content

The survey done and all okay. We have gone to underwriters and are awaiting our mortgage offer. Can you advise me how long this takes approximately? Thanks

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Report this content kathryn2103 Written on: 26/06/2014

Managed to get it through in five days, but only after solicitors letter to say I was at risk of losing property so case was escalated

Report this content brynner71 Written on: 26/06/2014

We had a bit of a torrid time. We got our offer after just 2 days - verbally. It then took a week to get it to our solicitor. Even after daily hounding to fax it. So it's not long in the bigger scheme of things Our issue was that we had another property and one of the clauses had to get consent from the underwriter again!! 3 weeks later we exchanged. If you are lucky, with no further enquiries - then a week max. If not - who knows! Santander are painfully slow

Asked by Omoruku on 14th May 2014 Report this content

Is Taking Too Long! I really want to know how long it takes Santander to offer a mortgage offer? I have applied now for about 4 weeks now and no evaluation done. I am so afraid not to loose my new house as the seller is growing impatient. Thanks

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Report this content tallington Written on: 15/05/2014

I'd go and see an independent mortgage adviser. They (1) search the whole of market, and get the best deals and (2) can chase / do the admin on behalf of the lender, so it's a lot quicker. (I'm not a mortgage broker by the way)

Report this content Anon-Helper-May2014 Written on: 15/05/2014

My experience with them was nearly six months (November to April). In fact, the mortgage product that I applied for was already no longer available as a product when the mortgage process was complete - that's how long it was. Christmas was in the middle of this period. However, Christmas period should delay by 2 - 3 weeks at most. In your case you have to understand that many departments are involved in the process, we have had half-term, Easter and May Day bank holidays in recent weeks too. All this is likely to mean they are understaffed and will add to your delay. Most people should have advised you that a mortgage application will typically take 2 - 3 months to complete. In my case with Santander it was double that. Good luck!

Report this content Angietka1 Written on: 15/05/2014

It took ours from February 25th until may 6th when we finally got an offer.... And that was £7000 less than what the AIP originally was which we can't understand as we have no kids & no debt & are on reasonable money. Good luck!!

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Asked by Angietka1 on 13th May 2014 Report this content

After applying for a mortgage over 2 months ago, with them keep asking for extra information and then it taking ages for them to even look at it. We finally have our offer accepted, however does anyone know if the valuation has a big delay as well? It has now been a week since our offer was accepted now we seem to be having to chase this as well! The sellers are on the phone to me everyday now chasing it.

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Report this content Omoruku Written on: 14/05/2014

Hello, Please, how long did it take to process offer and is it with Santander? Thanks

Asked by jmfoster on 11th May 2014 Report this content

Can anyone please advise of the current processing times for the mortgage applications? Agreement in principle obtained, full application completed and retuned (via broker/internet) on 29/4/14. Broker has confirmed it has been received as they asked for a single pay statement. No further communication received from them.

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Report this content gigretchen Written on: 12/05/2014

We submitted our application at the beginning of Jan with the AIP received. After various painful chasing by the broker, finally received the mortgage offer in the last week of March. The level of pain was really beyond words can describe. Hope yours will be faster and smoother than ours!

Asked by Grrr.. on 5th December 2013 Report this content

I am moving house and wanted to transfer my portable mortgage over. I have a good rate of 2.99 for the next4yrs but early repayment charges of 3.5k. It was originally an Alliance & Leicester mortgage that was transferred to a Santander product for free last year. I earn a good income of more than £40k and have a current mortgage of £121 on a house worth £240 therefore a nice low LTV. I am 46 so have just over 18yrs to pay off my mortgage. I have an excellent credit score but a £14.5k loan costing £193 per month. It was for house improvements (because they wouldnt lend me extra money earlier in the year!!) i also have a decent amount of long term savings that I don't want to use. I am having a nightmare even agreeing just to transfer existing mortgage. They won't even agree to lend me an extra £6k. I have a number of share options coming directly from my pay and I think they are incorrectly taking them in to account on my affordability. I was hoping to be in my house before Xmas and now there is no chance. I work in the finance sector so understand why mortgage applications needed tightening up but this is ridiculous. i would love to be able to transfer but am stuck because of fees. I am considering a letter to the FCA after this is over but don't want to jeopardise the transfer of my existing mortgage. Any advise would be most welcome. Very frustrated Santander mortgage holder.