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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 64%, placing it 11th (just below halfway down) in our mortgage comparison table.


Customer score

Joint 11th out of 25 mortgage lenders


It achieves a middle-of-the-road score overall. Customers indicated they were happy with the lenders' processes but less so with its flexibility and the value of its deals.

Santander mortgage highlights

  • Its deals allow you to make overpayments
  • Competitive for fixed and tracker deals
  • Some competitive deals for borrowers with small deposits

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

'I have never had a problem with them.'

'OK but the interest rate a bit high.'

'Competitive rates, friendly and professional staff.'

'Won't help you when you need it.'

'The process was so easy and quick.'

'Refused to increase mortgage to pay for major home improvements.'

'Payments feel very high but manageable.'

'They are OK but a little inflexible.'

'Always helpful when I have any mortgage query.'

'The application process was far too slow.'

'Very helpful - they sort out any queries fast.'

'Everything is good with the exception of the fact they are inflexible.'

  • Last updated: August 2017
  • Updated by: Dean Sobers

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

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