Santander mortgages review and rates | Finder UK

Santander mortgages review, rates and comparison

Santander offers fixed and variable rate mortgages. Find out our analysis and what customers say about the brand.

compare Santander Mortgages
Customers say
★★★★★
Customer satisfaction
Customers cite good rates and generally good service
Doesn't do offset mortgages
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. The UK bank serves around 15 million customers. The company 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.

Compare Santander mortgages

Data updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Apply link
Santander
1.09% fixed until 02/07/2023
3.35% variable
60%
2.9% APRC
Check eligibility
View details
Santander
1.09% fixed until 02/07/2023
3.35% variable
60%
2.9% APRC
Check eligibility
View details
Santander
1.16% fixed until 02/07/2023
3.35% variable
60%
2.8% APRC
Check eligibility
View details
Santander
1.16% fixed until 02/07/2023
3.35% variable
60%
2.8% APRC
Check eligibility
View details
Santander
1.18% fixed until 02/07/2023
3.35% variable
60%
2.9% APRC
Check eligibility
View details
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Data updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Apply link
Santander
1.69% variable (Base Rate plus 1.59% for up to 40 Years)
3.35% variable
60%
2.8% APRC
Check eligibility
View details
Santander
1.69% variable (Base Rate plus 1.59% for up to 40 Years)
3.35% variable
60%
3.1% APRC
Check eligibility
View details
Santander
1.69% variable (Base Rate plus 1.59% for up to 40 Years)
3.35% variable
60%
3.1% APRC
Check eligibility
View details
Santander
1.69% variable (Base Rate plus 1.59% for up to 40 Years)
3.35% variable
60%
2.8% APRC
Check eligibility
View details
Santander
2.09% variable (Base Rate plus 1.99% for up to 40 Years)
3.35% variable
75%
3.1% APRC
Check eligibility
View details
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Data updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Apply link
Santander
1.09% fixed until 02/07/2023
3.35% variable
60%
2.9% APRC
Check eligibility
View details
Santander
1.09% fixed until 02/07/2023
3.35% variable
60%
2.9% APRC
Check eligibility
View details
Santander
1.16% fixed until 02/07/2023
3.35% variable
60%
2.8% APRC
Check eligibility
View details
Santander
1.16% fixed until 02/07/2023
3.35% variable
60%
2.8% APRC
Check eligibility
View details
Santander
1.24% fixed until 02/07/2026
3.35% variable
70%
2.7% APRC
Check eligibility
View details
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Santander’s buy-to-let mortgage rates

Data updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Link
Santander 02/07/2023 Fixed
Santander
1.4% fixed until 02/07/2023
3.35% variable
60%
0% APRC
Compare now
Santander 02/07/2023 Fixed
Santander
1.69% fixed until 02/07/2023
3.35% variable
75%
0% APRC
Compare now
Santander 02/07/2026 Fixed
Santander
1.83% fixed until 02/07/2026
3.35% variable
60%
0% APRC
Compare now
Santander 02/07/2026 Fixed
Santander
2.05% fixed until 02/07/2026
3.35% variable
75%
0% APRC
Compare now
Santander 02/07/2023 Fixed
Santander
2.14% fixed until 02/07/2023
3.35% variable
60%
0% APRC
Compare now
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Overall representative example
If you borrow £170,000 over a 25-year term at 1.65% p.a. (fixed) for 62 months reverting to 3.59% p.a. (variable) for the remaining term, you would make 62 monthly payments of £691.94 and 238 monthly payments of £825.30. The total payable would be £240,614.68, which includes interest of £ 69,322, valuation fees of £248 and a product fee of £995. The overall cost for comparison is 2.9% APRC representative.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

What types of mortgages can I get with Santander?

Santander mortgages customer reviews

In our 2020 customer satisfaction awards, Santander got 4 out of 5 stars, with 79% of customers saying they would recommend the service.

Here is some of the feedback we got from Santander mortgage customers:
“Very helpful and good rates and easy to understand.”

“Have had a few problems with overpaying. They kept taking it as part of my normal payment.”

“Great rates and online system is ok when I can access it, although annoying to set up. Super helpful on the phone.”

“Helpful, gives me all the information and advice to get the right mortgage to suit my needs.”

“Great interest rates and easy to renew my mortgage with them.”

Online reviews for Santander mortgages (updated 30 April 2020):
On Smart Money People, Santander’s mortgage service has 3.7 out of 5 stars, based on more than 70 reviews.

On customer review platform Trustpilot, things are not so good. Santander as a bank has 1.5 out of 5 stars and a rating of Bad, based on more than 2,000 reviews.

While rates and products are mentioned, most of the reviews centre around the quality of the bank’s customer service, of which there are varying views. Some praise it for helping them out in tight situations, while many claim the opposite happened and they were treated unfairly.

Mortgage ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
Our customer satisfaction scores (“Customers say”) are based on a survey of 893 customers carried out in December 2020.

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.

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