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Mortgage lender reviews

Santander mortgage review

By Dean Sobers

Article 14 of 17

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Santander mortgage review

Find out how Santander fared in key areas such as customer service and value for money in our mortgage satisfaction survey.

Santander mortgage review

Santander's mortgage customers have given it a score of 60%, placing it 17th (just below halfway down) in our mortgage comparison table.


Customer score

17th out of 25 mortgage lenders


It achieves middle-of-the-road scores for its service and value for money, but - with fees of almost £2,000 on some products - customers have marked it down on the transparency of its charges.

Santander mortgage highlights

  • Its deals allow you to make overpayments
  • Competitive for fixed and tracker deals
  • Part of the Help to Buy mortgage guarantee scheme

For impartial, personal advice on the best mortgage for you, call Which? Mortgage Advisers on 0808 252 7987.

Santander mortgage satisfaction scorecard
Customer service  
Application process  
Value for money  
Keeping you well informed  
Clarity of statements  
Transparency of charges  
Query and complaint handling  
Ability to over and underpay mortgage  
Table notes:
Star ratings out of five show levels of satisfaction for each category. Where no stars are showing, it means we could not get a large enough sample size to rate this aspect of the service.

What Santander's mortgage customers say about it

'Easy to apply, simple and quick decision.'

'Appalling customer service. Lies and more lies, even when caught out time and time again.'

'Good cashback. No hassle.'

'Customer service is very poor. Never hear from them apart from once a year.'

'Good communication. Fair interest rate.'

'Didn't explain the interest I would pay in first five years and how it affected the rest of the term.'

'Clarity, speed and effectiveness of the staff.'

'Customer service generally OK, and mortgage is reasonably flexible. I would like the option to overpay more than once a year.'

'Everything was so easy.'

'Had no problems but could probably get a better interest rate elsewhere.'

'I have a hassle-free relationship with Santander - the product they provide me with effectively meets my needs and they leave me alone.'

'They are OK. They don't go the extra mile so I can't rate them any higher.'

  • Last updated: May 2016
  • Updated by: Dean Sobers