Mortgage lender reviews: Santander mortgage review


Customer score

17th out of 25 mortgage lenders


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. 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.'

More on this...

Your home may be repossessed if you do not keep up repayments on your mortgage.

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.