Santander Mortgage Reviews

Santander Mortgage Reviews

Find a loan can be difficult if you have not done it before. This is where we can help, fill in out contact form and speak to a member of the team today.

Reviewing Santander Mortgages

Reviewing Santander Mortgages

If you would like to find the best mortgage for your requirements, please fill in out application form and we will be in touch!

Top Home Lenders

Top Home Lenders

There are a range of lenders out there which will help you find the right mortgage to suit you.

Get a quick quote  

Santander Mortgage Reviews

To find out about our Santander mortgage reviews, speak to a team member.

If you'd like help in trying to get a deal, we provide you with expert aid to help you find the most suitable solution for what you want.

We always advise based on your circumstances to ensure you get the most valuable help and advice.

We always want to find the best offer for you, whether for a new home purchase, a remortgage or a buy-to-let home loan.


Our specialists are happy to provide you with a range of Santander mortgage details to ensure that you find the right mortgage provider that works well with you.

Simply fill out the enquiry form today, and a team member will get back to you with everything you have to know as soon as possible.

Continue reading our Santander mortgage review to learn more about this popular mortgage lender.

Who is Santander?

Santander is one of the biggest mortgage lenders in the UK, providing competitive mortgage rates, potentially generous income multiples, and outstanding financial commitments. 

Additionally, Santander is one of the very highest-scoring lenders, with a 70% score from the Fairer Finance review.  

Alongside mortgages, Santander lets customers purchase buildings insurance, supported by Aviva Insurance Limited. 

If you are looking for the best mortgage deals, you might want to consider Santander. 

What Type of Mortgages Do Santander Offer?

Santander offers several different mortgages to potential homeowners, such as:

  • Tracker mortgages
  • Equity loan mortgages
  • Fixed-rate mortgages
  • Variable-rate mortgages
  • Help-to-buy mortgages
  • Lifetime mortgages
  • Shared-ownership mortgages
  • Buy-to-let mortgages

Our mortgage advisors can help you find the best mortgage deals around. 

Santander Mortgages and Loans

Getting your first step onto the property ladder can be hard as there are many questions—this is why we have Santander mortgage reviews so that you can see if it is suitable for you.

Numerous options could be offered for things such as shared equity strategies, and our team can advise you on anything involved.

Using one of those channels, you may be equipped to purchase the ideal home with a Santander mortgage plan which is still economical. 

The Help to Buy project was created by the UK government in April 2013 to enable first-time buyers and house sellers to buy another house with just a 5% deposit.

Having already helped over 10,000 first-time buyers and home movers, the plans are becoming quite popular.

As a leading home loan agent, we've got specialist knowledge regarding the plans and will provide whole of market advice.

If you would like more information on the purchasing approach, we will also help and provide help and advice throughout.


What is the Maximum Loan Size and Loan-to-Value (LTV) with Santander Mortgages?

Check out Santander's loan sizes and LTV:

  • A maximum LTV of 75% has a maximum loan size of over £1m.
  • A maximum LTV of 85% has a maximum loan size of up to £1m.
  • A maximum LTV of 90% has a maximum loan size of up to £570,000.
  • A maximum LTV of 95% has a maximum loan size of up to £570,000.

How To Find a Santander Mortgage Deal

If you are looking to find a Santander mortgage deal, then we suggest you follow these simple steps:

  1. Know the type of mortgage that you will require.
  2. Read a range of mortgage reviews.
  3. Consider how much you have saved and how much you can afford.
  4. Look at your monthly incomes and outflows.
  5. Talk to a range of mortgage advisors.
  6. Go with a provider, like Santander, that you feel comfortable with.

These are just a few key factors you must consider when looking for a great mortgage deal.

Our team is happy to help you with all the key information and details you require to find the best provider for you.

Simply fill out the enquiry form provided, and we will be in touch shortly. Or you can look here - to see how there is a range of providers.

Santander Pros and Cons

There are many advantages and disadvantages of taking out a mortgage with Santander:

Santander Advantages

  • Wide range of mortgage products.
  • Competitive interest rates. 
  • Unlimited overpayments with specific mortgage products.
  • Exclusive mortgage deals for Intermediaries.
  • Access to income multiples of up to 5.5 times your annual income.

Santander Disadvantages

  • Unlikely to accept applicants with a bad credit score. 
  • Extra £225 account fee. 
  • Limited overpayments for fixed-rate mortgages. 

Keep reading to find out how to contact this only mortgage broker.

Top Home Lenders

Santander is competitive for tracker rates and fixed deals which is why they are one of the top home lenders.

Our devoted experts will look into your situation and then find the perfect choice for what you need. Together with guiding you on the different alternatives, we’ll also aid with completing documentation and handling each stage.

A few contractors give an Equity Loan regarding new build properties, which is often a great choice for some buyers.

To get involved in this scheme, you need a down payment of at least 5%, as this entitles you to a 20% government equity loan and 75% through a lender.

we offer free no obligation quotations


Another portion of the government scheme is the Help to Buy Guarantee method.

Mortgages of 95% could be provided through this plan, with the government supplying 15% of this.

Both newly built and existing properties are included in this stage. Please click here - to see all the reviews of the providers.

Interest Rates on Santander Mortgages

Santander interest rates may vary; however, the Standard Variable Rate SVR is 5.49%.

Here are some examples of the interest rates that Santander incites for their mortgage products:

  • A 2-year fixed-rate mortgage at 75% LTV has an interest of 2.59%.
  • A 2-year fixed-rate mortgage at 95% LTV has an interest of 3.34%.
  • A 5-year fixed-rate mortgage at 75% LTV has an interest of 2.74%.
  • A 5-year fixed-rate mortgage at 95% LTV has an interest of 3.39%.

For accurate and up-to-date interest rates, ask one of our mortgage advisors for help, as we can validate accurate rates. 

Can You Make Overpayments on Your Santander Mortgage?

You can make overpayments of up to 10% of your outstanding balance towards your Santander mortgage each year. 

Be aware that you cannot carry payments over, so if you do not take the chance to pay the complete 10%, you can not pay more the following year. 

Other mortgages, such as tracker mortgages, may allow unlimited overpayments with zero early repayment fees. 

How Much Can I Borrow from Santander?

Typically, Santander will lend up to 5.5 times their borrower's annual income, depending on their financial history. 

The amount you can borrow will consider the following factors:

  • Income
  • Affordability assessments
  • Overall LTV of the mortgage
  • Financial background
  • Existing loans

You can use mortgage calculators to estimate what sized mortgage you will be eligible for. 

If you have a poor credit history, it will be much harder to get your mortgage approved. Those with a good credit rating will have access to more mortgage products. 

Santander Mortgages Customer Reviews

From a Which survey, Santander placed eight out of sixteen mortgage providers, which is a fairly good position. 

The scoring criteria focused on customer service, value for money, and communication prowess. 

Recent customer testimonials have noted Santander as straightforward, quick to respond, helpful, friendly, and competitive. 


What is the maximum age for a Santander mortgage?

Santander offers several mortgages up to a maximum age of 75 years. 

For interest-only mortgages, Santander has an age limit of 70 years old.

What is the maximum mortgage term with Santander?

The maximum mortgage term with Santander is 40 years. 

So, to ensure you get the full term, you must take out a mortgage at 35 or younger. 

How long does a Santander mortgage application take?

On average, the mortgage application for residential mortgages will take up to 10 days. 

For buy-to-let mortgages, you can expect the mortgage application process to take up to 12 days. 

How can I get in touch with Santander regarding my mortgage?

If you want to contact Santander to discuss mortgages, you can take the following steps:

  1. Open Santander's website.
  2. Click on the Contact Us tab. 
  3. Click on Mortgages and Insurance. 
  4. Select the relevant topic related to your query. 
  5. Use the contact details provided on the screen.

What credit reference agency does Santander use?

Santander uses three popular credit reference agencies to check their applicants' credit worthiness: Experian, Equifax, and TransUnion. 

speak to our experts now

Enquire today

If you would like any support with home loans or determining the top house loan to suit your needs, we would gladly offer you specialist mortgage review help.

Please add all the information about what service you are looking for, as this will make it easier for our team to be more effective in helping you find what you are looking for.

Get in touch with us right now to talk to an advisor and see what will be the greatest Santander mortgage plan to suit you personally.


Contact us