from 247 ratings
247 customers rated their Santander mortgages as 4 out of 5 in our Consumer Finance Awards and Reviews.
Customer Service
Flexibility & Fairness
Product Features
Value For Money

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

Santander 2 Year BBR+1.34% + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.84% tracker
for 24 months
4.74%4.2% APR
Santander 2 Year BBR+1.34% Remortgage + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.84% tracker
for 24 months
4.74%4.2% APR
Available for remortgage only.
Santander 2 Year BBR+1.34% Remortgage
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.84% tracker
for 24 months
4.74%4.2% APR
Available for remortgage only.
Santander 2 Year 1.94% Fixed + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.94% fixed
until 02 Feb 2017
4.74%4.4% APR
Santander 2 Year 1.94% Fixed Remortgage + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.94% fixed
until 02 Feb 2017
4.74%4.3% APR
Available for remortgage only.
Santander 2 Year 1.94% Fixed Remortgage
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
60%1.94% fixed
until 02 Feb 2017
4.74%4.3% APR
Available for remortgage only.
Santander 2 Year BBR+1.49% + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%1.99% tracker
for 24 months
4.74%4.4% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Santander 2 Year BBR+1.54% Remortgage + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.04% tracker
for 24 months
4.74%4.3% APR
Available for remortgage only.
Santander 2 Year BBR+1.54% Remortgage
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.04% tracker
for 24 months
4.74%4.3% APR
Available for remortgage only.
Santander 2 Year BBR+1.54% + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.04% tracker
for 24 months
4.74%4.4% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.
Santander 2 Year BBR+1.54% Remortgage + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.04% tracker
for 24 months
4.74%4.3% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website. Available for remortgage only.
Santander 2 Year BBR+1.54% Remortgage
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.04% tracker
for 24 months
4.74%4.3% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website. Available for remortgage only.
Santander 2 Year BBR+1.54% + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.04% tracker
for 24 months
4.74%4.4% APR
Santander 2 Year BBR+1.54% + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
75%2.04% tracker
for 24 months
4.74%4.4% APR
Available for existing borrowers switching deals only. Such mortgages might not be listed on the lender's website.
Santander 2 Year 2.09% Fixed + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.09% fixed
until 02 Feb 2017
4.74%4.4% APR
Santander 2 Year 2.09% Fixed Remortgage + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.09% fixed
until 02 Feb 2017
4.74%4.4% APR
Available for remortgage only.
Santander 2 Year 2.09% Fixed Remortgage
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.09% fixed
until 02 Feb 2017
4.74%4.4% APR
Available for remortgage only.
Santander 2 Year 2.09% Fixed Remortgage + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.09% fixed
until 02 Feb 2017
4.74%4.4% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website. Available for remortgage only.
Santander 2 Year 2.09% Fixed Remortgage
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.09% fixed
until 02 Feb 2017
4.74%4.4% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website. Available for remortgage only.
Santander 2 Year 2.09% Fixed + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
70%2.09% fixed
until 02 Feb 2017
4.74%4.4% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

Santander Mortgages Reviews

High base rate but good service

by EmskiV, 2 days ago
online quotes
High svr
Recommended by EmskiV

I am stuck with these guys so re-mortgaged with them earlier this year on a 3 year fixed rate as was on SVR.

Their SVR was VERY high in comparison to others on the high street - so much so that their fixed rate deal was better!

Very easy to transfer with quote system online for existing customers which I thought was fab and low free - all sorted within 2 weeks.

No experience with them dealing with any issues but when I've called over the years they have always been friendly and helpful.

Customer Service:
Good, I'm happy
Flexibility & Fairness:
Good, I'm happy
Product Features:
Good, I'm happy
Value For Money:
Poor, could be greatly improved


great mortgage by a great bank - great mortgage by a great bank -great mortgage by a great

by dmcmah, 2 days ago
Recommended by dmcmah

i have the santander mortgage that offers a very low rate. i also get cash back on my current account for having this mortgage so happy days.. its asking me for a longer review but again ive no more to add lol

i have the santander mortgage that offers a very low rate. i also get cash back on my current account for having this mortgage so happy days.. its asking me for a longer review but again ive no more to add lol

Customer Service:
Excellent
Flexibility & Fairness:
Excellent
Product Features:
Excellent
Value For Money:
Excellent


satisfactory service

by micha2998, 4 days ago
Recommended by micha2998

customer service is very satisfactory, when you call as you can imagine a few times if you have all their services ie current, savings, credit card and mortgage account. but the service from the customer service staff is not what I would expect to be received due to being the customer, recently I have changed current, savings and credit card accounts but the mortgage is still currently the cheaper option for me.

Customer Service:
Average, could be better
Flexibility & Fairness:
Average, could be better
Product Features:
Average, could be better
Value For Money:
Average, could be better


Santan...bleugh

by joljac, 4 days ago
low rate
not customer focussed
Recommended by joljac

Just an average Joe really.

Ring up and they try to sell you their credit card and other products first.

We had a long battle with them a few years ago when they didn't take a mortgage payment from us and we ended up with a black mark even though it was their fault.

They can be friendly on the phone, rate was the cheapest for us. But nothing special

Customer Service:
Average, could be better
Flexibility & Fairness:
Average, could be better
Product Features:
Average, could be better
Value For Money:
Average, could be better


santander... excellent deal!

by drivin, 5 days ago
flexible
Recommended by drivin

Best mortgage going, flexible mortgage, you can take a holiday from payment or pay more when you have extra funds. Excellent customer service, there is always someone at the end of the phone to talk to if the branch staff can not help you. The branch staff are usually very good at sorting out any issues. Santander review your account details constantly, telling you how much you have paid and how much is left to pay on your mortgage.

Customer Service:
Excellent
Flexibility & Fairness:
Excellent
Product Features:
Excellent
Value For Money:
Excellent


Santander mortgage review

by SteveE1976, 5 days ago
Flexibility
Customer service
Recommended by SteveE1976

Good overall but customer service hit and miss. Over payment provisions flexible which is good - allows for core amount over calendar year avoiding confusion. But staff don't seem to know how payments can be made! Aside from that, good - easy to secure, easy to manage with easy to understand statements. Too much marketing received from Santander but that is a problem with most financial institutions I have engaged with in the past.

Customer Service:
Average, could be better
Flexibility & Fairness:
Excellent
Product Features:
Good, I'm happy
Value For Money:
Good, I'm happy


Santander - not the best value for good allrounder

by keri2001, 5 days ago
Customer services
Not the best rates
Recommended by keri2001

I was a loyal Alliance and Leicester customer for years before they became part of the Santander group, and never had any problems with them. That was the reason I took my mortgage out with them. Then things started to go wrong with my current account - card didn't get cancelled and was somehow cloned, so I switched banks but kept my mortgage with them.

I think their customer services is good, any issues and I've always had a fast response - even when complaints are involved.

The product is ok, but there are much better deals on the market. When my fixed term was up, they automatically put me on the variable rate, but I was given the option to review and change if need be. Santander are good if you need a big mortgage with the minimum deposit, but you pay for that in your rates.

Customer Service:
Good, I'm happy
Flexibility & Fairness:
Good, I'm happy
Product Features:
Good, I'm happy
Value For Money:
Average, could be better


Not bad but could be better

by thenumptee, 5 days ago
Customer service
Rates

I've had a mortgage with Santander for 6 years now.

The customer service is not bad but the mortgage rates they offer are not particularly competitive. When trying to move to another fixed rate they weren't particularly helpful or willing to help and for that reason I will be leaving them soon.

That said, I've not had any major problems in the time I've been with them.

Customer Service:
Good, I'm happy
Flexibility & Fairness:
Average, could be better
Product Features:
Average, could be better
Value For Money:
Poor, could be greatly improved


Disgraceful length of time to approve mortgages

by ellyg, 5 days ago
Recommended by ellyg

No complaints with my own product, however the lady buying my flat got rejected by Santander for a mortgage after taking 2 months to review!!! This caused the chain to break down.. and we lost our dream house as a result. Thanks Santander! Annoyingly my own mortgage is through them, hate filling their pockets after what they have done to us. Having said that, the 2nd Quarter 2014 housing frenzy is over, so lenders might be less snowed under with valuations now. A case of bad timing possibly...

Customer Service:
Good, I'm happy
Flexibility & Fairness:
Good, I'm happy
Product Features:
Good, I'm happy
Value For Money:
Excellent


Good enough for me

by g1234ray, 5 days ago
Okay to talk to
Not the cheapest
Recommended by g1234ray

I took my mortgage out a few years ago with, as it was then alliance and leicester, this changed to Santander and I have kept with them , reviewing it when the current deal ends. I usually go for five year or three year fixed deals as I like the security of knowing where I stand and Santander are reasonable with the rates that they usually have . I like to check out the Santander website when my deals are coming to an end and compare them with other mortgage companies and so far they are not that far off in comparison and as the saying goes it is better to use the devil you know. At the moment Santander have been very helpful with me when I want to find out something or have a query concerning my mortgage, overall I would say good enough.

Customer Service:
Good, I'm happy
Flexibility & Fairness:
Good, I'm happy
Product Features:
Good, I'm happy
Value For Money:
Good, I'm happy


Mortgage Lenders