Help:If you have an existing mortgage with Santander and want to change deals then click here.
How to get help from our mortgage specialists
Santander has over 160 years of mortgage experience in the UK. Our mortgage specialists are happy to help answer any questions you may have.
By Phone: Call us to speak to a mortgage specialist
In Branch: Visit our extensive branch network (branch finder)
Online: Useful information can be accessed using the links on the right side of this page
Great reasons to consider remortgaging to Santander
Changing to a Santander deal might mean that your could reduce your monthly payments as the interest rate we offer you may be lower
Get Help with Fees
When you apply you can consider borrowing more money, on the same rate, for almost any purpose from debt consolidation to home improvements. You should think carefully before securing any debts against your home. All applications are subject to status and our current lending criteria. This means that the amount we will lend you will depend on your individual circumstances, the type of property and the amount you borrow. For example, we may require a higher deposit if you are buying a flat or a new build property.
Simple & Straightforward
We will arrange a surveyor and solicitor for your application. As well as this we help complete the forms through our extensive branch network, to make the process as easy as possible for you to remortgage to us.
Step-by-step Remortgage guide
How to bring your mortgage to Santander
If remortgaging sounds right for you, here are the key steps involved and how we can help you
1. Check you are free to remortgage
When you decide to remortgage make sure you know how much you have outstanding on your current balance and check to see if you have any fees or costs to leave your existing deal. You should be able to find this out from your most recent mortgage statement. This will help you decide if the time is right to switch as a large fee to leave your current lender may mean it isn't cost effective right now.
2. Decide how much you want to borrow
Decide how much you would like to borrow from Santander. If you want to borrow more at the same time for home improvements or another purpose you should decide now how much you want. The amount we may be able to lend you is subject to status and our current lending criteria. You should think carefully before securing debts against you home.
3. Select a great deal from Santander
We can help you choose one of our great Remortgage deals.
4. Complete your application with us
We have mortgage advisors to help you apply for your mortgage and explain everything you need to know before you proceed. Your mortgage application will need to be approved formally by one of our underwriters. All applications are subject to status and our current lending criteria.
We can help you with the insurances you need for your new home at this point too. Home insurance, life cover and critical illness protection are available when you complete your application with us.
5. Have your property surveyed
We find and instruct a surveyor to value your property. On most of our mortgage products we pay for a standard valuation on a property value up to £2.5 million. This is available on all our deals that offer remortgage solution.
6. Complete the legal transfer
We arrange for a solicitor to complete the transfer from your existing lender to Santander. On most of our mortgage products we pay for the standard legal fees. This is on all our deals with a remortgage solution. You only need to repay the paid legal fees if you repay your loan within the first two years. If you borrow any additional money at the same time the solicitor will arrange to pay this directly to you, on completion of your mortgage.
All applications are subject to status and our current lending criteria. This means that the amount we will lend you will depend on your individual circumstances, the type of property and the amount you borrow. For example, we may require a higher deposit if you are buying a flat or a new build property.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE