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.
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.
You can compare deals yourself, but there are some benefits to using a mortgage broker to help you get the right deal. A broker can do the hard work and research for you and will be expert in comparing the hundreds of loans and lenders in the market based on your individual needs and eligibility. Your broker can also negotiate with your chosen lender on your behalf to make sure you are getting the right deal for you.
L&C is a specialist broker offering mortgage comparison & free advice.
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
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