Santander mortgages

Our best Santander mortgage deals for UK residents

Finding the best mortgage deal doesn’t have to be the huge challenge it may at first seem. As one of the UK’s established lenders, Santander knows the ins and outs of providing mortgages designed to suit your needs. Whether you are buying a home in the UK for the first time, moving home or simply looking for the best remortgage deal available, we offer a range of mortgage options.

When looking for a mortgage there are many factors to consider, such as the repayment terms and the type of mortgage on offer. There are a number of different types of mortgages available in the UK, and at Santander we have a variety of mortgage deals to suit your needs.

Discount mortgages

With a discount mortgage, UK customers can take advantage of a lower mortgage rate for a set number of years, enjoying a discount off our standard variable mortgage rate. So, you get a mortgage deal with repayments that are lower than standard variable rate to start with, leaving you with extra cash.

Flexible mortgages

As the name suggests, flexible mortgage deals offer the benefit of flexibility in repayments. That gives you the freedom to pay more when you can afford to, enabling you to pay off your mortgage early and potentially saving you money. It also provides the flexibility to take payment holidays, make under-payments or even borrow money back.

Fixed rate mortgages

With a fixed rate mortgage, the interest rate is set for an agreed period of time, so you get the peace of mind knowing that the rate you pay each month is guaranteed not to change, even if UK interest rates do.

There is always the possibility that UK interest rates could actually go higher than your agreed fixed rate, so in financial terms you could be better off. Of course it also works the other way but you have the advantage of set monthly payments during the fixed rate period and can budget accordingly. At the end of the fixed rate period, the payments will revert to our standard variable rate.

Base rate tracker mortgages

A variable rate mortgage which always follows the Bank of England’s Base Rate, so your payments will change in accordance with external market interest rates. You will quickly benefit from any potential changes, plus the rate on your tracker mortgage always maintains the same differential between the rate you pay and the interest rate set by the Bank of England.

As well as having attractive mortgage rates, you may be eligible for various additional benefits, including a free basic valuation on properties valued up to £2.5m and help with standard legal fees.* Please note these offers are subject to change and eligibility.

At Santander, we understand that everybody’s needs are different and we have a range of mortgages to suit you. If you need help with your new mortgage, our mortgage advisors will guide you through every step of the way, answering all of your questions and making the whole process as hassle-free as possible.

Whether you’re looking for a low rate in the early years, a fixed rate or flexibility, look no further than Santander for a mortgage deal.

Please note that Santander mortgages are subject to status and valuation, and are only available to UK residents aged 18 or over.

*Benefits such as cashback or paid legal fees are repayable if you pay off your mortgage within the first two years.

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