Santander Mortgage Reviews - www.santander.co.uk

Click here if this is your business
★☆☆☆☆
1.4 / 5
11% 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

★☆☆☆☆

“Utter shambles - re-mortgage process”

Written on: 10/01/2022 by Jaxson256 (1 review written)

Staff are very friendly and patient but that is the only positive part of this experience. I am being asked for same information over and over and have to go through the same explanations with different staff members again and again. Because I am not using an IFA or accountant - neither of which I am legally obliged to use, Santander hides behind its policies and being totally inflexible and not willing to consider perfectly acceptable explanations about why some documents may have (very)… 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
Was this review helpful? 0 0
★☆☆☆☆

“Appalling Mortgage Advice & Customer Service ”

Written on: 17/11/2021 by BN266EJ (1 review written)

Santander deserves NO STARS Their Mortgage Relationship Managers and Mortgage Advisors Teams are judgemental and discriminatory. They are not transparent or honest what information they are sharing with the underwriters. Be careful what you disclose to them. Certainly don't tell them about any personal health data and ask for a copy of their T&C's and the criteria they use to process your mortgages and loans applications. I have had such a terrible experience from being humiliated 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.

Hmeah's Response to BN266EJ's Review

Written on: 10/12/2021

this is so true, i felt the same when i spoke to my mortgage advisor, she was rude and judgemental, says she called me back but no miss calls or nothing and she kept asking for the same payslips, pure nastiness, avoid at all cost

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.

Hmeah's Response to BN266EJ's Review

Written on: 10/12/2021

this is so true, i felt the same when i spoke to my mortgage advisor, she was rude and judgemental, says she called me back but no miss calls or nothing and she kept asking for the same payslips, pure nastiness, avoid at all cost

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
Was this review helpful? 1 0
Read 2 Comments
★☆☆☆☆

“Avoid Avoid Avoid”

Written on: 24/09/2021 by unhappywithSantander (1 review written)

Avoid a mortgage with these people as they will 100% try and rip you off and just because they have nice suits and offices, does not mean they are not utter sham merchants. beware and spend some time looking at alternatives and it will save you "£1000's in the long term … 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
Was this review helpful? 0 0
★☆☆☆☆

“Pile of Rubbish! ”

Written on: 17/03/2021 by Brogan-99 (1 review written)

FIRST TIME BUYERS! Me and my partner are first time buyers so we thought this was going to be a fun and stressful experience, which it was all at the start, until the final few weeks of getting the mortgage offer. We had our Mortgage in principle, all confirmed and they were happy to lend us the money. We then awaited for the mortgage offer to come back to us, in which then went to Directors for reviews, we were having to constantly chase for updates etc. We were then told that they had… 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
Was this review helpful? 0 0
★☆☆☆☆

“missold mortgage”

Written on: 16/12/2019 by AleenaColeman41 (1 review written)

in 2011 we went to a mortgage broker , he put us with Santander, got a fixed 2 year rate and was £486. we heard nothing from Santander ever, when the 2 years fixed rate was up, we were told it would be £900 a month as we were not knowlegable about these things we struggled to pay it over the next 8 years, as we were older could only remortgage for the 10 years, they never ever sent information regarding another fixed deal, we ended up having to sell the property to get somewhere smaller… 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
Was this review helpful? 3 1
★★★★★

“First Time Buyer Very Straightforward”

Written on: 03/09/2018 by ChrisSWW (1 review written)

We are first time buyers so decided to make use of a broker. The broker walked us through every document required and made sure we had everything ready before even submitting a mortgage in principle with Santander. This came back ok and a full application was submitted the same day. Broker kept us up to date as the application progressed (not much to say), valuation was done on day 8. Full offer received on day 10 I do think that the broker preparing us properly helped, it made sure there… 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
Was this review helpful? 4 0
★☆☆☆☆

“Run by children it seems”

Written on: 07/01/2018 by Medeiros414 (1 review written)

Ridiculous bunch of time-wasters.Do not bother getting a quote… 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
Was this review helpful? 0 2
★☆☆☆☆

“Almost finalised then they want more info”

Written on: 14/08/2017 by Gianna102 (1 review written)

Initially so efficient in approving mortgage, all very impressive,now4 months later and ready to exchange and complete and they want more answers to standard questions. Our tenancy is up and the house we are buying is empty so we are off to a campsite what Santander discover more questions they should have asked at the beginning. Not impressed- working full time with a very young family and we are Temporarily homeless due to inefficiency!! It all looked so good at the beginning but now all… 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
Was this review helpful? 3 0
★★★★★

“All good”

Written on: 20/06/2017

Went through a broker and although it took about two weeks from the application to formal offer it went smoothly. Got the amount needed and they were flexible on the term to enable the amount I needed, this meant going past current retirement age. They do require any debt to be cleared or if it is still outstanding at time of application the amount you can borrow is severely impacted. I work full time and am employed, had two 4 year old missed payments showing in my credit file but otherwise 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
Was this review helpful? 2 0
★☆☆☆☆

“Completely incompetent”

Written on: 16/05/2017

We went through a mortgage broker who recommended Santander. Process started off easily enough, provided all the necessary paperwork and received a AIP almost instantly. I am employed with a good credit rating- so very straightforward, my boyfriend is self employed, and although he has a good credit rating is a bit too complicated for Santander to get their heads around. A week after the application, they called asking my boyfriend about his outgoings, asking for details on his direct debits… 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.

Vixvogue's Comment

Written on: 24/02/2019

Exactly my experience
Self employed for over 10 Years very successfully
Excellent credit
Asked why my bank statements are registered to my rental property I own... because my business is registered there dumbass
Asked why I'm moving 3.5 hours away to Manchester (intrusive and irrelevant) and what financial impact it will have on my business
Asked for an accountant letter outlining all the above comments I've already addressed to her. I feel ita becme personal with the underwriter. She googled me and asked why I have a nickname!
My chartered accountant of 30 years has said Santander are incompetent novices with no idea of what they're talking about or asking. My accoubtant has never had to explain to anyone why his client wants to live in Manchester when she can run her business using wifi a phone and a laptop!
This stupid underwriter wouLd have asked why my business is registered at my accountant's firm if I had decided to take that option!
Who are these fools? They have no idea how rhe business world works.
Waste of time
Don't use them.
Idiots.

Honestly.... the broker and the accountant insist this underwriter googled me, saw my pics and life and has made it personal. The broker basically told her she is a c u next Tuesday.

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
Was this review helpful? 4 0
Read 1 Comment
★★★★☆

“Not a nightmare ”

Written on: 18/03/2017

Cardiff Santander very efficient all went through very quickly no problems staff very helpful no stress at all. I would recommend 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
Was this review helpful? 0 0
★☆☆☆☆

“Terrible, terrible stressful experience - stay away”

Written on: 13/01/2017 by MacGregor203 (1 review written)

I am shocked by the treatment I have received from Santander. At the start they were super quick to give me a DIP for the amount I needed. The whole experience since has been like pulling teeth out. After going through a 2 month ordeal of providing them with just about every document possible to prove my identity, income, employment status, etc they have now just asked me for an Experian credit report. Despite having a really good credit score Santander have decided they can't lend me… 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.

Vixvogue's Comment

Written on: 24/02/2019

A holes. So sorry for your experience

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
Was this review helpful? 1 0
Read 1 Comment
★☆☆☆☆

“Porting a mortgage”

Written on: 24/10/2016 by skMiles500 (1 review written)

It is October 2016: I am applying to port my mortgage, I took out an interest only mortgage in 2004 and have been paying it without default ever since. I also cleared one third of it 2 years ago as the swines left me on the variable rate for 3 years until 6 months ago when I decided to reduce the payments. My credit rating is 995 and I have a buy to let mortgage which nets an income of £330 per month. My current mortgage payments are £160 per month £100k LTV 45%. There are no other debts, I… 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.

Anglosaxon1's Comment

Written on: 10/11/2016

Now nearly 4 weeks and counting !!!!!

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.

Anglosaxon1's Comment

Written on: 30/11/2016

6 weeks and counting : valuer appeared last week, still no offer.

What a way to treat an existing customer !

skmiles 500

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.

Anglosaxon1's Comment

Written on: 30/11/2016

6 weeks and counting : valuer appeared last week, still no offer.

What a way to treat an existing customer !

skmiles 500

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
Was this review helpful? 0 0
Read 3 Comments
★☆☆☆☆

“Worst, most inflexible customer service ever!!!!!!”

Written on: 29/07/2016 by ocClay299 (1 review written)

It is not possible to say in this amount of words why you should never get involved with this 'computer says no' company… 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
Was this review helpful? 1 0
★★★★★

“10/10”

Written on: 29/06/2016 by 282Davenport (1 review written)

I had some difficulty after being messed around from a useless bank, I then spoke to an advisor who recommended Santander, I went with them, I received the keys for the property within 2 weeks of making the application. They were efficient, have the best rate I can find and have kept my in touch throughout the process. Santander also sent a helpful checklist, with tea, coffee, cookies and mugs so I could relax when I got in, all in a red box with a bow around, lovely gesture and very much… 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.

Anglosaxon1's Comment

Written on: 27/10/2016

I wonder where you work

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
Was this review helpful? 0 0
Read 1 Comment
★★★★★

“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

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
Was this review helpful? 0 0
★★★★★

“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

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
Was this review helpful? 1 0
★☆☆☆☆

“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

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
Was this review helpful? 0 0
★★★★★

“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

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
Was this review helpful? 4 0
★☆☆☆☆

“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

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
Was this review helpful? 0 0
overview