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Presently we will not be able to repay our mortgage as Santander just do what they want. I would b interested to hear what statutory rules guide reveiw of mortgages? Quite frankly Santander are criminals. Santander has an uncompetitively high SVR at 0. But the problem with just lowering their SVR to a more competitive rate is that vast numbers of their customers are paying the current SVR -either through ignorance or are trapped as "mortgage prisoners".
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So it seems as though Santander wants to have it's cake and eat it. It also leaves the possibility of raising their SVR even further in the future and not affecting their lending competitiveness.
But is it within the rules? I suspect not but only time will tell when the Ombudsman starts reviewing complaints. Let's not forget that Halifax and Nationwide tried something very similar in and ended up paying millions in compensation. But hey! The board of Santander obviously think it's worth a punt! Skip to main content.
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What is an SVR? Read the Moneywise jargon buster The FoR will be set at 3. Which newsletters would you like to receive? Wednesday Newsletter — Grow your money. Other information updates. Saturday Newsletter — Weekly newsletter. Ideas and offers from third parties. Leave this field blank.
Related Stories. Find your ideal mortgage online today. Search s of deals from over 90 lenders See which deals you qualify for in real time No credit check required Our entire service is fee free. Start your mortgage online. Authorised and regulated by the FCA, ref Please note most buy to let mortgages are not regulated by the FCA. Adam Williams. Related Stories Is an interest-only mortgage suitable at my age?
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