from 292 ratings
292 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
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.

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 1.94% Fixed + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
75%1.94% fixed
until 02 Feb 2017
4.74%4.5% APR
Available via brokers only.
Santander 2 Year 1.94% Fixed Remortgage + Cashback
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
75%1.94% fixed
until 02 Feb 2017
4.74%4.4% APR
Available for remortgage and via brokers only.
Santander 2 Year 1.94% Fixed Remortgage
Maximum LTVInitial RateSubsequent RateOverall Cost for Comparison
75%1.94% fixed
until 02 Feb 2017
4.74%4.4% APR
Available for remortgage and via brokers 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.

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Santander Mortgages Reviews

A great company to have a mortgage with

by katielovese, 2 days ago
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

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


My Santander Mortgage- my experience

by david_p92, 2 days ago
good rate for me
Recommended by david_p92

I have had a Santander mortgage since I bought my house 4-5 years ago. I recently remortgaged from a 2 year tracker to a 5 year fixed deal. I am very happy with the rate which seems as cheap as I could get anywhere else from perusing the best buy tables in the newspapers. I believe Santander individual tailor deals for each customer. There is less flexibility in overpayments than previous. You have to over-pay at least £500 in one go.

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


My review on Santander Morgages.

by nicccola, 3 days ago

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.

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


Easy straightforward & recommended.

by BGcat14, 4 days ago
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.

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


Average customer service

by jan1902, 5 days ago
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.

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


Extra borrowing a bit of a hassle

by mcarr472, 6 days ago

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.

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 Mortgage Review

by Arsey1, 6 days ago
competitive rates and range of products
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.

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


Santander Mortgage

by cathmum1, 6 days ago
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.

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


Santander mortgage

by bedpan, 6 days ago
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

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


Friendly service and great mortgage

by sdale, 6 days ago
Flexibility
Recommended by sdale

We have had the same mortgage since we bought our first house. Its a Flexible Mortgage which came with a borrowing facility at the same rate. It was also fixed for the life of the mortgage at 1% above base rate. This has worked out well for the past few years due to the low base rate. The staff are always helpful and friendly and provide an excellent service. We can also arrange drawdowns or overpayments online, making it flexible in more than one way.

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


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