Good4

82% of customers recommended from 299 ratings

Santander are a bank that offer a range of different mortgage options. The one you choose will depend on your own circumstances and what you're looking for. A lower LTV, which is set by how big a deposit you've managed to save, will affect the interest rate you get. You'll also need to look out for any mortgage fees and decide if you want your interest rate to be fixed, variable or to track the Bank of England base rate.

Compare Santander Mortgages

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

Santander 2 Year 1.59% Fixed
0800 028 6062
Maximum LTV
60%
Initial Rate
1.59% fixed
until 02 Nov 2017
Subsequent Rate
4.74%
Overall Cost for Comparison
4.3% APR
Santander 2 Year 1.59% Fixed Remortgage + Cashback
0800 028 6062
Maximum LTV
60%
Initial Rate
1.59% fixed
until 02 Nov 2017
Subsequent Rate
4.74%
Overall Cost for Comparison
4.3% APR
Available for remortgage only.
Santander 2 Year 1.59% Fixed Remortgage
0800 028 6062
Maximum LTV
60%
Initial Rate
1.59% fixed
until 02 Nov 2017
Subsequent Rate
4.74%
Overall Cost for Comparison
4.3% APR
Available for remortgage only.
Santander 2 Year 1.69% Fixed Large Loan
0800 028 6062
Maximum LTV
60%
Initial Rate
1.69% fixed
until 02 Nov 2017
Subsequent Rate
4.74%
Overall Cost for Comparison
4.3% APR
Santander 2 Year 1.69% Fixed Remortgage + Cashback Large Loan
0800 028 6062
Maximum LTV
60%
Initial Rate
1.69% fixed
until 02 Nov 2017
Subsequent Rate
4.74%
Overall Cost for Comparison
4.2% APR
Available for remortgage only.
Santander 2 Year 1.69% Fixed Remortgage Large Loan
0800 028 6062
Maximum LTV
60%
Initial Rate
1.69% fixed
until 02 Nov 2017
Subsequent Rate
4.74%
Overall Cost for Comparison
4.2% APR
Available for remortgage only.
Santander 2 Year BBR+1.19% + Cashback
0800 028 6062
Maximum LTV
70%
Initial Rate
1.69% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.3% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.
Santander 2 Year BBR+1.19%
0800 028 6062
Maximum LTV
70%
Initial Rate
1.69% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.4% APR
Santander 2 Year BBR+1.19% Remortgage + Cashback
0800 028 6062
Maximum LTV
70%
Initial Rate
1.69% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.2% 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+1.19% Remortgage + Cashback
0800 028 6062
Maximum LTV
70%
Initial Rate
1.69% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.3% APR
Available for remortgage only.
Santander 2 Year BBR+1.19% Remortgage
0800 028 6062
Maximum LTV
70%
Initial Rate
1.69% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.2% 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+1.19% Remortgage
0800 028 6062
Maximum LTV
70%
Initial Rate
1.69% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.3% APR
Available for remortgage only.
Santander 2 Year BBR+1.19% Large Loan
Maximum LTV
60%
Initial Rate
1.69% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.2% APR
Santander 2 Year BBR+1.19% Remortgage + Cashback Large Loan
Maximum LTV
60%
Initial Rate
1.69% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.2% APR
Available for remortgage only.
Santander 2 Year BBR+1.19% Remortgage Large Loan
Maximum LTV
60%
Initial Rate
1.69% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.2% APR
Available for remortgage only.
Santander 2 Year BBR+1.29%
0800 028 6062
Maximum LTV
75%
Initial Rate
1.79% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.4% APR
Santander 2 Year BBR+1.29% + Cashback
0800 028 6062
Maximum LTV
75%
Initial Rate
1.79% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.3% APR
Available for existing customers only. Such mortgages might not be listed on the lender's website.
Santander 2 Year BBR+1.29% Remortgage + Cashback
0800 028 6062
Maximum LTV
75%
Initial Rate
1.79% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
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+1.29% Remortgage
0800 028 6062
Maximum LTV
75%
Initial Rate
1.79% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
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+1.29% Remortgage + Cashback
0800 028 6062
Maximum LTV
75%
Initial Rate
1.79% tracker
for 24 months
Subsequent Rate
4.74%
Overall Cost for Comparison
4.3% APR
Available for remortgage only.

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Santander Mortgages Reviews

Order:

Got a Santander mortgage? Tell us about your experience because it will help others. Add a review.

A great company to have a mortgage with

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by katielovese

We re-mortgaged a few years and spent a long time looking around for the best deal for us. Santander gave us a great service for a fantastic price. We were informed at every stage and the company was easy to get hold of when we had any questions. We were assigned our own mortgage broker who gave is his line to contact at any time. We have no complaints about the service, the product or the company

by , 25 Nov 2014 report review

Easy straightforward & recommended.

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by BGcat14

It was very straightforward and the customer service was great. I found it confusing to start with but they were very helpful. Just go into branch and they will sort you out. The paperwork is clear and you can even ring to talk through sections you are unsure about, this was very helpful and reassuring when filling in such important information.

by , 24 Nov 2014 report review

Santander Mortgage

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by cathmum1

I have had my mortgage with Santander for 20 years, since the days of the Abbey National. I have never had to reason to contact the company at all as their correspondence with me has always been regular and accurate. I am always advised immediately of any change in interest rate and my year end statements are always on time. Clear and concise breakdown of statement makes it easy to understand.

by , 22 Nov 2014 report review

Santander Mortgages

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by contac17

They were very helpful on the phone as I was sorting this mortgage. They organised it all within 6 weeks and made the process very smooth despite issues with my solicitors and buyers at the time. They have an easy to understand mortgage statement and have been excellent on the phone when I have asked about changing to a tracker rate or re-applying for the mortgage. They answer their phones promptly and are easy to understand. I also have a very good rate for my mortgage which has made it very affordable over the years.

by , 16 Dec 2014 report review

Portability and flexibility

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by rochja

Over-payments create a borrow-back amount. Our mortgage has an extremely low interest rate. The mortgaged property has been let for a number of years without having to convert the mortgage. Permission costs £99 pa. Initial setup charges were waived, but this option is not necessarily available now. Telephone contact make changes easy to manage and our statements tell us both our borrow-back amount and the amount of interest we have saved by overpaying

by , 9 Dec 2014 report review

Santander Mortgage Review

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by Arsey1

Had a mortgage with Abbey (or Santander as they are now) for over 15 years and could not fault them. Always been competitive with rates and suitability of products and customer service has been good, probably because they well know like the others that this is where they make their money. Currently no reason to change especially as I get cash back by having their current account and paying my mortgage through this.

competitive rates and range of products

by , 22 Nov 2014 report review

Extra borrowing a bit of a hassle

Satisfactory

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Taken over by Santander from Alliance and Leicester and when rang about possibly increasing borrowing was really complicated as have to be dealt with as separate mortgage as prev Alliance and Leicester and not one of their own mortgages - told them to forget it. Also took ages to get tnrough to someone to actually speak to as short opening hours which were when I was also at work.

by , 22 Nov 2014 report review

Average customer service

Satisfactory

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by jan1902

I found the product online, after many searches and comparisons, I decided this was one worth exploring. Very average customer service, not very helpful, I had to prompt them along the conversation! Many phone calls and reminders. Application was quite straightforward, and their paperwork and documents were all sent in a timely manner. I would recommend them, if you have the patience to deal with call centres every day! They dont pester you with after sales, which is an important factor to me - Ive left banks who are overbearing.

by , 22 Nov 2014 report review

My review on Santander Morgages.

Satisfactory

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

I found getting a mortgage with Santander quiet difficult as many hurdles arised when applying for it. I would tell someone who was applying to Santander that they shouldn't be in a rush as Santander will take a while compared to other mortgage companies, according to our mortgage broker. I didn't deal with the customer service personally but I hear that some of the workers went out of their way to help, whereas others just passed the buck.

by , 24 Nov 2014 report review

Santander mortgage

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by bedpan

easy to apply for ...discussed options and types of mortgage fully ....when we changed our mortgage to Santander you saw someone in branch which was preferable for us ...all option where described and full expenditure / costs outlined....the right deals for us found and settled quickly and easily far less painful than imagined .... staff friendly and ready to answer even the silliest question. after the fixed term options where again discussed and a new term agreed as they again offered the best deal

by , 21 Nov 2014 report review

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