There mortgage on interest only… There mortgage on interest only (beware) they will use every trick to continue to attempt to keep you on these terms. Getting information off them and a breakdown they will avoid. My interest rate had continued to increase and they have misold and taken advantage of a vulnerable position and not explained the terms of the mortgage. Having been declined two times to change my mortgage (explaining my position) I have now entered a consent to rent my property this information costs 295 and they have not given me advice I could do this instead they continue to charge me 4.9%interest. Pursuing a legal challenge and ombunusmen following their lack of ethics and integrity. They also advise your complaint can only be persued Upto 6 months following the response of their complaint which is not true! Telegraph news has reported extensively about Santander's deliberate attempt forcing borrowers most at risk of falling into arrears the most highest interest rates. Watchdog tackles 500 complaints from Santander borrowers locked on high rates!! Interesting that they have not learnt from their investigation nor have they acknowledged the ongoing investigation. You now have 501 to investigate further.