NO LOYALTY WHATSOEVER - GREEDY MONEY GRABBING. Absolutely the worst bank to deal with. Having banked with Santander (in various guises) for OVER 30 YEARS, we have been treated like children when applying for a new mortgage and told we 'can't be trusted' !!! (Three other major high street lenders have approved us and by the way our Experian credit score falls into the 'Excellent' category). For the sake of TWO months Santander are going to charge us over £6,000 in early repayment fees for a position we feel they forced us into and there is no flexibility whatsoever. Staff are patronising and rude and don't want to do anything to help with or assess a situation on its own merits. No 'human' element to their thinking or decision process just a 'computer says' attitude. Not only will we be moving our mortgage we will also be moving our bank and savings accounts and will have nothing more to do with this awful Bank. Loyalty breeds loyalty .. I'm afraid Santander have NONE. Still I'm sure there'll be some nice fat bonuses and happy shareholders which is all that is at the (black) heart of this Bank.