95% of Santander customers in our 2024 customer satisfaction survey would recommend the brand to a friend
Doesn't offer offset mortgages
Santander mortgages reviews
Here's what customers and experts say about Santander's mortgage service.
Santander UK is a major financial services provider that offers a wide range of bank accounts and mortgages. It’s owned by the Spanish bank Banco Santander, and launched into the UK in 2010 through the acquisition of 3 high-street building societies: Abbey National, Alliance & Leicester and Bradford & Bingley. The UK bank serves around 15 million customers and is regulated by the UK Prudential Regulation Authority and the Financial Conduct Authority. Whether you’re a new customer or already have a mortgage with Santander, you can find new mortgage deals, borrow more or make changes to your existing mortgage. You can even find out how to take your mortgage with you if you move home.
The popular mortgage lender retains a high-street presence up and down the UK, which can be a benefit for applicants who prefer a bit of in-person support. It’s known for lending up to 5x salaries (or even a little higher) but doesn’t always match some other big banks when it comes to the maximum LTVs it’s prepared to lend on.
What types of mortgages can I get with Santander?
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Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Santander mortgages customer reviews
In our 2024 customer satisfaction survey, Santander came in hot on the heels of our winner Nationwide, with a massive 95% of customers we spoke to saying they would recommend the brand to a friend – feedback that earned Santander our highly commended award.
Customers praised Santander for its “good rates and fast service” and for being an “easy to deal with” provider.
On the reviews platform Trustpilot, Santander has a score of 1.4 out of 5 from over 7,000 reviews, as of May 2024. However, it’s worth bearing in mind that most traditional banks we looked at had similarly low scores, and they are being reviewed across a huge range of products, not just mortgages.
Our verdict: Is a mortgage from Santander worth it?
Santander offers a decent range of mortgage products, if not the most comprehensive. But as a leading high-street lender it is certainly worth investigating. It regularly offers deals with preferential rates for existing customers looking to buy for the first time or remortgage.
Santander offers some limited cashback for mortgage customers who also have a current account with the bank. But bear in mind that a mortgage is a serious, long-term financial commitment, so it’s best not to base your decision solely on promos or cashback offers.
According to our periodic customer surveys, Santander is regularly given decent marks for competitive mortgage rates and helpful customer service.
Whatever your mortgage needs, be sure to shop around yourself, or use a mortgage broker to find the best product, for your circumstances.
Mortgage ratings
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
Representative example
A mortgage of £225,134 payable over 24 years, initially on a fixed rate until 30/09/26 at 4.88% and then on a variable rate of 6.99% for the remaining 22 years would require 26 payments of £1328.29 followed by 262 payments of £1,593.54. The total amount payable would be £453,042 made up of the loan amount plus interest (£226,909) and fees (£999). The overall cost for comparison is 6.8% APRC representative.
A mortgage of £225,134 payable over 24 years, initially on a fixed rate until 30/09/26 at 4.88% and then on a variable rate of 6.99% for the remaining 22 years would require 26 payments of £1328.29 followed by 262 payments of £1,593.54. The total amount payable would be £453,042 made up of the loan amount plus interest (£226,909) and fees (£999). The overall cost for comparison is 6.8% APRC representative.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.
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