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Santander mortgage review

We've combined expert analysis with customer feedback to help you decide whether to get a mortgage with Santander bank.

In this article
Santander mortgage customer ratings What kinds of mortgages does Santander offer? Does Santander offer the best mortgage deals? Interest rates on Santander mortgages
How much could I borrow from Santander? Can I make overpayments? How can I contact Santander?

Santander mortgage customer ratings

Santander review
Which? Customer Score
Joint 8th out of 16 mortgage lenders
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Santander is one of the biggest mortgage lenders in the country, offering loans on properties across the UK.

The table below shows how Santander performed in our latest mortgage satisfaction survey, from application process to value for money.

Customer rating for: Star Rating
Customer service in general

4 out of 5

Value for money 

4 out of 5

Keeping you well informed 

3 out of 5

Clarity of mortgage statements

4 out of 5

Transparency of charges

4 out of 5

Query and complaint handling

4 out of 5

Ability to overpay or underpay mortgage

3 out of 5

Online access

3 out of 5


Star ratings based on a July 2021 Which? survey of 3504 members of the general public in which 350 people told us that they had their mortgage with Santander.

What kinds of mortgages does Santander offer?

When we checked in September 2021, there were 122 mortgages available from Santander. Almost all of these deals were fixed-rate - meaning your interest rate will stay the same for a set initial period.

Santander's mortgages came with a initial period of two, three or five years.


Does Santander offer the best mortgage deals?

Our experts analysed hundreds of mortgages over a four-week period in July and August 2021. They compiled a total of 206 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average number of times a lender made it into a table was 24, but Santander featured 103 times, more than any other lender, meaning it consistently offered great interest rates. (Data source: Moneyfacts.)

Interest rates on Santander mortgages

In September 2021, the average rate on a two-year fixed-rate mortgage from Santander was 1.73%, compared to the overall market average of 2.38%.

How much could I borrow from Santander?

Santander will lend to first-time buyers, home movers and remortgagers at 60%, 70%, 75%, 85%, 90% and 95% loan-to-value. People remortgaging can borrow up to 90% loan-to-value.

Santander will lend between 4.45 and 5.5 times your annual salary, depending on your earnings and the loan-to-value ratio you're borrowing at.

Can I make overpayments?

Santander's deals allow you to overpay up to 10% of the mortgage balance each year. 

How can I contact Santander?

Mortgages from Santander are available directly from the lender and through mortgage brokers.

New customers can call 0800 068 6064.

Existing customers can call 0800 917 5630.

The website is santander.co.uk.