Santander Mortgage Reviews - www.santander.co.uk

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Latest Reviews

★★★★★

“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

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★☆☆☆☆

“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

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★☆☆☆☆

“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

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★★★★★

“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

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★☆☆☆☆

“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

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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.

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★★★★☆

“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

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★☆☆☆☆

“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

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Vixvogue's Comment

Written on: 24/02/2019

A holes. So sorry for your experience

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★☆☆☆☆

“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

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Anglosaxon1's Comment

Written on: 10/11/2016

Now nearly 4 weeks and counting !!!!!

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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

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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

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★☆☆☆☆

“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

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★★★★★

“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

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Anglosaxon1's Comment

Written on: 27/10/2016

I wonder where you work

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★★★★★

“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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