Santander mortgages
Our broker partner, Mojo mortgages can help you to compare Santander mortgages and make a successful application - as well as making sure you don't miss out on a better offer from elsewhere...
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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.
The FCA does not regulate mortgages on commercial or investment buy-to-let properties.
Santander UK was created in 2004 when three former building societies, Abbey National, Bradford and Alliance and Leicester merged to form a full-service retail and commercial bank. It's since become the 4th largest mortgage provider in the UK, with an 11.4% share of the market, as of 2022.
What type of mortgages do Santander offer?
First-time buyer mortgages at up to 95% LTV
Home mover mortgages at up to 95% LTV
Remortgages at up to 90% LTV
Buy-to-let mortgages at up to 80% LTV
Interest rate types
Specific products
Santander can offer the following mortgage product types:
Good to know
Santander mortgages have a minimum term of 5 years and offer a maximum term length of 40 years
There is a minimum loan size of £6,000
It’s possible to choose capital repayment or interest-only repayments
They do not have a minimum income requirement
For joint mortgage applications they will accept up to two applicants only
Santander mortgages are portable, subject to criteria
Minimum age on application is 18
Maximum age at end of mortgage term 75
Santander mortgage rates
To get Santander's lowest mortgage interest rates and best deals you'll need a large deposit and strong credit history, although this is true of any lender.
No matter what type of mortgage deal you’re looking for, remember to consider fees alongside the rates, as sometimes the best rates available come with higher fees. It’s important to weigh up which will suit you best in the long term. The table below shows the best Santander mortgage deals available currently, based on the the lowest initial rate available at that particular LTV (regardless of the deal length or type). An expert broker may be able to help you find out which deals could work for you.
Remember, you could lose your home if you don't keep up with your mortgage repayments.
- 5 years
- Fixed rate
- Monthly repayment£ 898.95
- Loan to value60 %
- Initial interest rate4.14 %
- Variable rate7 %
- APRC5.9%
- Product fees£ 1,224
Representative example:Repayment mortgage of £168,000.00 over 25 years, representative APRC 5.9%. Repayments: 63 months of £898.95 at 4.14% (fixed), then 237 months of £1,133.53 at 7% (variable). Total amount payable £325,280.46. Early repayment charges apply until 02-Apr-2030. Arrangement, mortgage discharge, valuation and CHAPS fees total £1224. Legal fees £184.75.
- 2 years
- Fixed rate
- Monthly repayment£ 1,065.17
- Loan to value70 %
- Initial interest rate4.29 %
- Variable rate7 %
- APRC6.8%
- Product fees£ 974
Representative example:Repayment mortgage of £196,000.00 over 25 years, representative APRC 6.8%. Repayments: 27 months of £1,065.17 at 4.29% (fixed), then 273 months of £1,359.63 at 7% (variable). Total amount payable £399,938.58. Early repayment charges apply until 02-Apr-2027. Arrangement, mortgage discharge, valuation and CHAPS fees total £974. Legal fees £184.75.
- 2 years
- Fixed rate
- £ 250 cashback
- Monthly repayment£ 1,261.68
- Loan to value80 %
- Initial interest rate4.64 %
- Variable rate7 %
- APRC6.8%
- Product fees£ 974
Representative example:Repayment mortgage of £224,000.00 over 25 years, representative APRC 6.8%. Repayments: 27 months of £1,261.68 at 4.64% (fixed), then 273 months of £1,557.88 at 7% (variable). Total amount payable £459,366.60. Early repayment charges apply until 02-Apr-2027. Arrangement, mortgage discharge, valuation and CHAPS fees total £974. Legal fees £184.75.
- 5 years
- Fixed rate
- £ 250 cashback
- Monthly repayment£ 1,477.55
- Loan to value90 %
- Initial interest rate5.04 %
- Variable rate7 %
- APRC6.5%
- Product fees£ 1,224
Representative example:Repayment mortgage of £252,000.00 over 25 years, representative APRC 6.5%. Repayments: 63 months of £1,477.55 at 5.04% (fixed), then 237 months of £1,727.39 at 7% (variable). Total amount payable £502,477.08. Early repayment charges apply until 02-Apr-2030. Arrangement, mortgage discharge, valuation and CHAPS fees total £1224. Legal fees £184.75.
The above fixed rates are provided by Mojo Mortgages and updated every 12 hours. THEY MAY NOT BE AVAILABLE WHEN YOU'RE READY TO SUBMIT AN APPLICATION.
How to compare Santander mortgage deals
Whether you’re an existing customer or are considering a mortgage with them, it’s important to compare all Santander mortgage deals to see which one best suits your needs.
It's equally as important to compare mortgages in Santander's range with those available from other lenders. Even if you bank with them or already hold a mortgage with them, it won't guarantee you their best mortgage rate, or even that they'll approve your application.
The most efficient way to compare Santander mortgages with other deals on the market is utilising an experienced mortgage broker - such as our award winning online mortgage broker partners at Mojo mortgages.
Santander mortgage reviews
Another good gauge of whether to choose a lender or not is to look at their reputation. Checking out feedback from their existing mortgage customers on sites like Trustpilot or Which can give you a good feel for their performance.
They currently have a Which review score of 71%.
How do I apply for a mortgage with Santander?
You can apply online for most of Santander’s mortgages or by calling 0800 068 6064.
You can also apply through our broker partner Mojo mortgages, who will provide you with tailored advice and help you to make a successful application.
Santander Mortgages FAQs
How long does Santander mortgage approval take?
Mortgage lenders don’t generally like to quote mortgage approval times, as they can vary quite a lot depending on the type of mortgage you take, the property you’re buying and your personal circumstances.
The average length of time for mortgage approval is broadly around two to eight weeks, but this will vary by lender.
Can I overpay on a Santander mortgage?
The standard amount that Santander allow you to overpay on your mortgage without penalty, is 10% of the remaining mortgage balance.
Does Santander offer self-employed mortgages?
Santander does offer self-employed mortgage options, however, like many lenders, they have fairly strict criteria compared to for employed individuals. You'll need to have been self-employed for a minimum of 2 years and only net profits will be considered for sole traders (salary and dividends for Limited company directors).
How long is a Santander mortgage offer valid?
Santander mortgage offers are valid for 180 days for both new-build and standard properties.
Can I get a Santander mortgage with bad credit?
Santander will look at some bad credit applications, and will even consider fairly recently registered CCJs (County Court Judgement) of 3-6 months, depending on the amount and circumstances. They will also consider satisfied DMPs (Debt Management Plan).
However, those with an IVA (Individual Voluntary Agreement) or more serious credit issues will likely need to look at a specialist mortgage lender.
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YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.
The FCA does not regulate mortgages on commercial or investment buy-to-let properties.
Uswitch makes introductions to Mojo Mortgages to provide mortgage solutions. Uswitch and Mojo Mortgages are part of the same group of companies. Uswitch Limited is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 312850. You can check this on the Financial Services Register by visiting the FCA website. Uswitch Limited is registered in England and Wales (Company No 03612689) The Cooperage, 5 Copper Row, London SE1 2LH. Mojo Mortgages is a trading style of Life's Great Limited which is registered in England and Wales (06246376). Mojo are authorised and regulated by the Financial Conduct Authority and are on the Financial Services Register (478215) Mojo’s registered office is The Cooperage, 5 Copper Row, London, SE1 2LH. To contact Mojo by phone, please call 0333 123 0012.