Santander mortgages

With a Santander mortgage, you will have a range of mortgage deals to choose from and a range of additional benefits. Depending on your mortgage, these can include cash back, free valuations and, no legal fees to pay. We can also help you with your house related insurance. See the types of mortgages we offer below.

Discounted mortgages

This Santander mortgage, gives you a discount off our standard variable mortgage rate for an agreed number of years before it reverts back to our standard variable rate.

Fixed rate mortgages

With this Santander mortgage it means that the interest rate is fixed for an agreed period and your monthly repayments stay the same for the fixed rate period.

Fully flexible mortgages

Take out a Santander mortgage which is fully flexible and you can vary the payments to suit your circumstances. If you’ve got extra cash, use it to pay off a lump sum. Keep up the overpayments and you could pay off your mortgage years early.

Base rate tracker mortgages

If you choose this Santander mortgage, the interest rate you pay is at a constant differential to the interest rate set by the Bank of England. Your mortgage will benefit from any rate changes made by the Bank of England. However you will need to bear in mind that base interest rates don't just go down. As and when the Bank of England raise UK interest rates, the cost of your tracker mortgage will rise as well.

How do I apply?

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 and find out how much you could borrow using our Mortgage calculator.

Step 2 – Apply for your Santander mortgage 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