Santander mortgages

Online mortgage

At Santander, we understand that everybody’s mortgage needs are different – that’s why we offer a wide range of mortgages.

Santander can offer you an online service for your mortgage. You can research all of our offers, work out how much you can afford to borrow with our Mortgage Affordability Calculator and then apply for your mortgage over the telephone or by visiting your local branch.

When you take out a Santander mortgage, we’ll do whatever we can to keep your paperwork and costs down. Our step-by-step guide helps you through the process:

Step 1 – Find out about the latest Santander mortgage deals – visit our website and find out how much you could borrow using our Mortgage Affordability Calculator. You can also calculate your monthly repayments using our Mortgage Repayment Calculator.

Step 2 – Apply for your Santander mortgage over the telephone or by visiting your local branch including arranging home insurance, if required.

Step 3 – The valuation and survey - before we agree your mortgage application, we’ll arrange a valuation of the property. Depending on your Santander mortgage you may be eligible for a free basic valuation on properties valued up to £2.5m.

Step 4 – Your Santander mortgage offer - if your application is successful and the property is satisfactory for our lending requirements, we will write to you with your mortgage offer, which will include certain terms and conditions.

Step 5 – Completion - once the legal work has been concluded, a completion date will be agreed. We’ll make the money available so that your Santander mortgage can be completed.

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