My morrgage was up for renewal from 2nd of January. Before renewing I wanted to make an overpayment and then renew the mortgage. Santander do not deal with mortgages in their branches so the only way to renew is over the phone or through the banking App. Phone banking is a complete nightmare with long waiting being cut off and having to phone again and wait again hours of time wasting....the banking App does not function properly and you have to wait days/weeks for updates. I made £33,000 overpayment but my outstanding balance increased from £298,000 to £370,000 all they said is wait for the account to update...I wanted to pay another overpayment but none of the mortgage advisors could calculate how this would effect my mortgage. It took until mid February for my mortgage account to update by then interest rates had gone up they offered me £100 for the compensation of all faults occured nothing for the extra rate increase. They are not interested in resolving problems, phone banking hours waiting, branches not interested. Complete disaster I have reported them to The Ombudsman will take it as far as I can...stay away!