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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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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 429 Santander mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Santander's mortgage rates to work out if it's a lender that offers competitive deals.
Santander was joint 11th in our survey ranking mid-table, along with four other providers. In contrast, it excelled in our interest rate analysis, earning the second-highest score of lenders in our survey.
73%
out of 21 mortgage lenders ranked on customer score (joint 11th)
Which? analysed thousands of mortgages, using Moneyfacts data, over eight weeks in the summer/autumn of 2025. We compiled a series of top 10 cheapest deals tables based on a variety of borrowing scenarios and counted how many times each lender featured in a table.
The average was five table appearances per week. Santander averaged 10 per week, meaning it typically offered market-leading deals for a range of different mortgages during our analysis.
You can see the mortgages Santander is currently offering first-time buyers, home movers and remortgagers in the tables below.
To see how Santander compares with other mortgage providers, head to our guide to the best mortgage rates and deals, which is updated every day.
| 85% | Santander | 73% | 4.45% | £999 | 6.75% |
| 85% fee free | Santander | 73% | 4.59% | £0 | 6.75% |
| 90% | Santander | 73% | 4.55% | £999 | 6.75% |
| 90% fee free | Santander | 73% | 4.68% | £0 | 6.75% |
| 95% | Santander | 73% | 4.86% | £0 | 6.75% |
| 95% fee free | Santander | 73% | 4.86% | £0 | 6.75% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Santander had a sample size of 429.
| 60% | Santander | 73% | 3.82% | £999 | 6.75% |
| 60% fee free | Santander | 73% | 4.09% | £0 | 6.75% |
| 75% | Santander | 73% | 3.99% | £999 | 6.75% |
| 75% fee free | Santander | 73% | 4.25% | £0 | 6.75% |
| 85% | Santander | 73% | 4.21% | £999 | 6.75% |
| 85% fee free | Santander | 73% | 4.47% | £0 | 6.75% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Santander had a sample size of 429.
| 60% | Santander | 73% | 3.91% | £999 | 6.75% |
| 60% fee free | Santander | 73% | 4.23% | £0 | 6.75% |
| 75% | Santander | 73% | 4.03% | £999 | 6.75% |
| 75% fee free | Santander | 73% | 4.4% | £0 | 6.75% |
| 85% | Santander | 73% | 4.46% | £999 | 6.75% |
| 85% fee free | Santander | 73% | 4.81% | £0 | 6.75% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Santander had a sample size of 429.
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.
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: Star ratings are out of five. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Santander had a sample size of 429.
We don't just produce customer scores and star ratings; our research also collects verbatims from Santander mortgage customers.
In our latest survey, around 75% of responses from Santander mortgage customers were positive.
Many commented on a 'very smooth process' and praised the 'amazing' app. Customers valued being able to check all their mortgage details through the app.
Most feedback on Santander's customer service was also positive. A minority of customers complained that the customer service 'was not very helpful'.
When we checked in September 2025, there were 180 mortgages available from Santander. 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 ten years.
A smaller number of mortgages offered by Santander 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 5.5x their income up to 90% LTV and 4.45x on 95% LTV.
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.
All of Santander mortgages have a maximum term length of 40 years.
Why should you trust Which? research? We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence.
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