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Sam covers personal finance topics, from the most affordable places to live to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
Anna covers personal finance, helping readers make sense of savings, credit cards and insurance. Her insights are informed by experience in the financial services industry.
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Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
In this article
Santander is a major UK lender, with a national branch network and a wide range of mortgages.
Here, you can find out what real Santander mortgage customers thought about its service, what our expert analysis uncovered about its range of deals and the best Santander mortgage rates on the market right now.
Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular T&Cs of a provider before committing to any financial products.
Why you can trust our Santander mortgage review
Real Santander customer views
We've asked 593 Santander mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Santander's mortgages to work out if it's a lender that offers competitive deals.
Santander was joint-6th in our customer satisfaction survey, along with five other providers. It received a mix of three and four-star ratings across the categories we assessed. In our mortgage deals analysis, Santander's performance varied considerably by borrower type. It was the joint-cheapest lender for remortgagers, but ranked joint-13th cheapest for first-time buyers.
74%
out of 21 mortgage lenders ranked on customer score (joint-6th)
To see how Santander compares to other mortgage providers, head to our guide to the best mortgage lenders.
Anna McClean, Which? market analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered, on average, the cheapest mortgage deals during our analysis period. Santander was one of the most competitive lenders overall, and was the joint cheapest for remortgage deals. However, as Santander didn’t rank in the top 10 for first-time buyers, it just missed out on being a WRP this year.'Â
Here's how Santander did in our analysis:
Find out more: see which lenders came ahead of Santander in our cheapest lender interest rate analysis.
Use the table to find the two-year fixed-rate mortgages Santander is currently offering first-time buyers at 80%, 90% or 95% loan-to-value (LTV).Â
To see how Santander compares with other mortgage providers, see our guide to the best mortgage rates, which is updated daily.
| 80% | Santander | 74% | 5.33% | £999 | 6.5% |
| 80% fee free | Santander | 74% | 5.58% | £0 | 6.5% |
| 90% | Santander | 74% | 5.36% | £999 | 6.5% |
| 90% fee free | Santander | 74% | 5.61% | £0 | 6.5% |
| 95% | Santander | 74% | 5.71% | £0 | 6.5% |
| 95% fee free | Santander | 74% | 5.71% | £0 | 6.5% |
Table notes:Â Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and the likelihood of recommending the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive at least 40 responses to be included in the results. Santander had a sample size of 593.
You can find the two-year fixed-rate mortgages Santander is currently offering home movers with a 60%, 75% or 85% LTV using the table.
To see how Santander compares with other mortgage providers, visit our guide to the best mortgage rates, updated daily.
| 60% | Santander | 74% | 4.98% | £1,499 | 6.5% |
| 60% fee free | Santander | 74% | 5.3% | £0 | 6.5% |
| 75% | Santander | 74% | 5.1% | £1,499 | 6.5% |
| 75% fee free | Santander | 74% | 5.42% | £0 | 6.5% |
| 85% | Santander | 74% | 5.17% | £1,499 | 6.5% |
| 85% fee free | Santander | 74% | 5.49% | £0 | 6.5% |
Table notes:Â Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and the likelihood of recommending the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive at least 40 responses to be included in the results. Santander had a sample size of 593.
Use our table to find the two-year fixed-rate mortgages Santander is currently offering remortgagers at 60%, 75% or 85% LTV.
To see how Santander compares with other mortgage providers, see our guide to the best mortgage rates, which is updated daily.
| 60% | Santander | 74% | 5.12% | £999 | 6.5% |
| 60% fee free | Santander | 74% | 5.4% | £0 | 6.5% |
| 75% | Santander | 74% | 5.24% | £999 | 6.5% |
| 75% fee free | Santander | 74% | 5.53% | £0 | 6.5% |
| 85% | Santander | 74% | 5.39% | £999 | 6.5% |
| 85% fee free | Santander | 74% | 5.65% | £0 | 6.5% |
Table notes:Â Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and the likelihood of recommending the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive at least 40 responses to be included in the results. Santander had a sample size of 593.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Santander mortgage customers about their experience with the lender.Â
Here's how customers rated Santander in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (for example, telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (for example, being able to overpay/underpay/take payment holidays) | |
| Online access (for example, being able to access your account online or via an app) |
Table notes:Â Star ratings are out of five. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive at least 40 responses to be included in the results. Santander had a sample size of 593.Â
The app makes it very simple to bank with Santander
We don't just produce customer scores and star ratings; our research also collects verbatim comments from Santander mortgage customers.Â
In our latest survey, around 80% of responses from Santander mortgage customers were positive.
Many respondents reported having few or no issues with the provider. One told us that in almost 12 years as a customer, they hadn't experienced any problems.
Customers typically found the app 'easy to use', valued being able to check their mortgage details and make overpayments through it.
Feedback on Santander's customer service was also generally positive, although a few respondents were unhappy with the quality of service they received.
When we checked in September 2026, Santander had 282 mortgages available. Most were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Santander mortgages had initial periods of two, three, five or 10 years.
A smaller number of Santander mortgages were tracker deals, with initial terms lasting two years before reverting to Santander's standard variable rate.
Across all loan-to-value (LTV) levels, customers earning less than £45,000 can borrow up to 4.45x their income. Customers earning between £45,000 and £99,999 can borrow up to 5.5x their income with a deposit of at least 10%. With a 5% deposit, they can borrow 4.45x their income.
If you earn £100,000 or more, you can borrow 5.5x your income up to 90% LTV and 4.45x on 95% LTV.
Santander doesn't currently offer green mortgages.Â
All Santander mortgages have a maximum term of 40 years.Â
We’re not influenced by third parties. We work entirely on your behalf, the consumer – nobody else. See our statement of editorial independence.
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