Santander Mortgage www.santander.co.uk

I have reserved a two year fixed rate as my last one is due to run out.

Last week the mortgage rate came down but told I can’t change to that mortgage as it’s leas than 2 weeks before mortgage starts.

Phoned to ask why and told someone will call me back within 5 days as they are too busy to talk to me! Really?

Still no call.

Santander have dropped their mortgage offer to us. Despite this being a very low amount. Despite us having great financial ratings. They’ve made my wife very upset and I’m furious at them.

Disgusting, untrustworthy company. Who are too greedy to hold their end of a 4.1% offer.

Never use them.

we have Santander Mortgage and is interest only fixed is only 1 year left of fixed and 2 years we have to pay over mortgage of, we asked Santander if we can pay more than %10 with out been find and they said NO , any time we ask for help with any issue the answer is NO the only thing they interested they make money , i will never use this bank .

Staff are very friendly and patient but that is the only positive part of this experience. I am being asked for same information over and over and have to go through the same explanations with different staff members again and again. Because I am not using an IFA or accountant - neither of which I am legally obliged to use, Santander hides behind its policies and being totally inflexible and not willing to consider perfectly acceptable explanations about why some documents may have (very) slight discrepancies. I have spoken to at least 5 or 6 different 'relationship' managers and not all information provided to them by me was relayed by THEM to the Mortgage Advisor/Underwriter resulting in having to clarify the same thing over and over. This has wasted precious time and would have been avoided if I had been permitted to speak with the organ grinder from the outset.

I also feel that company policies are applied unfairly with individual applicants required to provide information beyond of what is reasonable and explanations and personal circumstances not even being considered before progressing an application. I can only assume that this is because Santander misguidedly believes that there is a lower risk of default from applications and tax records submitted via IFAs and accountants. Hugely frustrated about this whole process.

Santander deserves NO STARS

Their Mortgage Relationship Managers and Mortgage Advisors Teams are judgemental and discriminatory.

They are not transparent or honest what information they are sharing with the underwriters.

Be careful what you disclose to them.

Certainly don't tell them about any personal health data and ask for a copy of their T&C's and the criteria they use to process your mortgages and loans applications.

I have had such a terrible experience from being humiliated and embarrassed to the point I don't want ANYONE ELSE to go through what I have been through.

By the way being a loyal customer does not count for anything.

They are awful and don't use them as your Mortgage Lender.

Keep away from Santander they can't be trusted.

Avoid a mortgage with these people as they will 100% try and rip you off and just because they have nice suits and offices, does not mean they are not utter sham merchants.

beware and spend some time looking at alternatives and it will save you "£1000's in the long term

FIRST TIME BUYERS!

Me and my partner are first time buyers so we thought this was going to be a fun and stressful experience, which it was all at the start, until the final few weeks of getting the mortgage offer. We had our Mortgage in principle, all confirmed and they were happy to lend us the money. We then awaited for the mortgage offer to come back to us, in which then went to Directors for reviews, we were having to constantly chase for updates etc. We were then told that they had declined our Mortgage and had given no answer to why when they were completely happy with everything given to them from our Mortgage advisor. We were due to pick up the Keys to the new house in 2 weeks time!!! This has left us in total despair and heart broken. Absolutely rubbish service and incapable of their jobs!!

DO NOT USE SANTANDER!!!!

in 2011 we went to a mortgage broker , he put us with Santander, got a fixed 2 year rate and was £486. we heard nothing from Santander ever, when the 2 years fixed rate was up, we were told it would be £900 a month as we were not knowlegable about these things we struggled to pay it over the next 8 years, as we were older could only remortgage for the 10 years, they never ever sent information regarding another fixed deal, we ended up having to sell the property to get somewhere smaller, as it was impossible to keep these payments up.and then we were only paying the amount we owed each month, it was coming straight of the total, as no interest was to pay at this point, but still had a redemption figure to pay, which we didn't know about, never got any useful info from them ever, just to say ur behind with payments, we got into debt trying to keep these payments up, we were after 2013 on pensions. it broke my heart having to move if never recommend them ever. we were never asked if we could afford £900 its been terrible

We are first time buyers so decided to make use of a broker. The broker walked us through every document required and made sure we had everything ready before even submitting a mortgage in principle with Santander. This came back ok and a full application was submitted the same day.

Broker kept us up to date as the application progressed (not much to say), valuation was done on day 8.

Full offer received on day 10

I do think that the broker preparing us properly helped, it made sure there was no need to resubmit documents or send documents which had been forgotten. Reading other reviews it does look as though most problems occur when the applicants are not standard for some reason, or where the application has not been submitted with full/proper documentation.

I can only praise Santander for my mortgage application experience

Ridiculous bunch of time-wasters.Do not bother getting a quote.