Santander mortgages

Apply for a mortgage

Whether you are buying your first or fifth home, or switching from your current lender, look no further than Santander to apply for a mortgage. As one of the UK’s established lenders, we know the ins and outs of providing a range of options designed to suit your needs.

If you are looking to apply for a mortgage, we make it easy for you to research our range of mortgages online, and help you find the mortgage to suit your needs.

When you apply for a mortgage with Santander, you can apply for a mortgage by phone or visit your local Santander branch and speak to a mortgage advisor. Please note that our mortgages are available to UK residents only aged 18 or over and subject to a valuation. At Santander, we understand that moving home can be stressful so we aim to make the application process simple and hassle free.

When you have finalised your property search and have formally applied for a mortgage, we will then arrange for a valuation of the property to ensure that it is suitable security for your mortgage. Dependent on the type of mortgage you apply for, you may be eligible for a free basic valuation (on properties valued up to £2.5m).

Once we have processed your mortgage application, subject to acceptance, we will write to you to confirm the specific details of your mortgage offer and explain the terms and conditions of your new mortgage.

The final stage in setting up your mortgage is the legal work. Once a solicitor has taken care of all the legal work, a completion date will be agreed and then your mortgage application will be complete.

If you have any questions, please visit our mortgages FAQs page.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE