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Existing Santander mortgage customers

Making your mortgage work for you.

Bank of England base rate and your mortgage

If you're looking for more information about the Bank of England base rate and how any change might affect your monthly mortgage payments, we've got information and tools to help you.

Find out more

Find your next mortgage deal

Find a new mortgage deal

The fast and easy way to change your mortgage

Is your current deal coming to an end or are you just thinking about changing your existing deal? With exclusive rates for existing customers, you can either call us for advice or compare the deals available to you and submit your transfer request online.

Find out more

Moving home with Santander

Moving home with Santander.

Make your move a great one

If you're moving home and want to keep your mortgage with us, you may be able to take your current mortgage deal with you or you could take a new deal with us.

Find out more

Borrowing more

Borrowing more.

All you need to know about borrowing more

If you've got some exciting home improvements or other plans in mind and need to borrow a lump sum of £5,000 or more, an Additional Loan could be an affordable option.

Find out more

Changes to your existing mortgage

Changes to your existing mortgage.

Need to make a change? Here's how

If you're looking to make changes to your current mortgage including adding or removing someone on your mortgage, changing your term or you have other queries we could help.

Find out more

View your mortgage online

Online Banking

Get an up-to-date view of your mortgage in Online Banking

If you have Online Banking you may be able to see useful information about your mortgage including: outstanding balance and term remaining, next monthly payment, interest rate, when your deal ends, any early repayment charges, plus the last twelve months of payments.

If you’re not already using Online and Mobile Banking you can sign up today

Sign up


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

 

All applications are subject to status and our 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.

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Additional information about your Santander mortgage

  • Interest rates change from time to time and we reserve the right to change our SVR in the future (because of either funding costs or mortgage market conditions).

     

    If you're looking for more information about the Bank of England base rate and how any change might affect your monthly mortgage payments, we’ve got information and tools to help you, find out more.

  • You have an Interest Only mortgage if:

    • Your mortgage is described as Interest Only on your paperwork and mortgage statement

    • Your monthly payments do not pay off the capital (the money you’ve borrowed) on your mortgage.

    • you have an endowment, ISA or other repayment plan linked to your mortgage.

    We recommend checking your repayment plans are on track at least yearly – and more often if possible. This means if your plans aren’t as expected, you can act as early as possible to make sure you can still pay off your Interest Only mortgage at the end of the term.

    Remember to check:

    • the amount you will owe at the end of your mortgage – find this on your mortgage statement

    • the amount your repayment plans are likely to produce and whether this will cover the amount you’ll owe. 

    If you want to speak to someone
    Call us on 0800 028 1624 . Lines are open 8am to 7pm Monday to Friday and 9am to 2pm Saturday

    There are a number of options open to you. Your options could include:

     

    1. Change your mortgage from an interest only to a repayment mortgage with, or without, changing your mortgage term.

     

    2. Make overpayments on your interest only mortgage to reduce the capital outstanding, with the aim of paying it back by the end of the mortgage term. You can overpay up to 20% each calendar year (January to December) on any interest only fixed rate loan amount without paying an early repayment charge. This offer will be withdrawn on 31 December 2016 and will change to 10% of your loan amount. If you‘ve got an Alliance & Leicester mortgage, you can overpay up to 20% on any interest only fixed rate loan amount in January of each year without paying an early repayment charge. This offer will be withdrawn on 31 January 2017 and will change to 10% of your loan amount.

     

    The majority of our tracker rates and Standard Variable Rate mortgages allow you to make unlimited overpayments without paying an early repayment charge. Check your original Key Facts Illustration for more details.

     

    3. Consider selling your property or any other assets you hold, to pay back your interest only mortgage and consider downsizing to a lower value property.

     

    Talk to us
    We can help you understand the options available to you. Call us on 0800 085 0980. Lines are open 9am to 5pm Monday to Friday.

     

    Talk to an Independent Financial Adviser (IFA)
    They may charge a fee but can help you work out the best plan for you. Find an Independent Financial Adviser in your area

     

    When you talk to either us or an independent financial adviser, it can help to have a good idea of:

    • your income

    • current and future expenses

    • the value of your home

    • how much you owe on your mortgage

    • your mortgage term

    • the projected value of your existing repayment plans

    • the age you intend to retire.

    Talk to us
    We may be able to help so please call us on 0800 028 1628, Lines are open 8am - 7pm Monday to Friday and 9am - 2pm Saturday. We’ll ask for your mortgage account number which can be found on your latest mortgage statement.

    Get free, independent advice
    It’s free to talk to any of these organisations:

    The Money Advice Service
    Call 0300 500 5000 or visit the Money Advice Service site

    Citizens' Advice Bureau
    Call 0345 404 0506 or visit the Citizen’s Advice Bureau site

    The National Debtline
    Call 0808 808 4000 or visit The National Debtline site

    The StepChange Debt Charity
    Call 0800 138 1111 (free from all mobiles) or visit the StepChange site

    Why have you written to me?
    The Financial Conduct Authority (FCA), one of the UK Financial Services Regulators published a review of Interest Only mortgages in 2013 which reminded borrowers that it remains their responsibility to have a suitable plan to repay their Interest Only mortgage at the end of the term. Santander, along with other lenders, is contacting customers to make sure they have suitable plans to repay the capital when their Interest Only mortgage ends.

    Do I need to do anything because of this letter?
    If you have received a letter there is the option to either complete a short form and return it to us in the pre-paid envelope, call us on the free phone number on the letter or you can use our online form to update us on your repayment plans.

    How do I access the online form?
    To use the form you will need to tell us your date of birth, the reference on the letter you received from us and your postcode. You will then be able to complete and submit the form. Please note you will only be able to complete the online form once.

  • Santander Mortgages:
    Mortgage and Loan Operations
    Santander
    Bridle Road,
    Bootle
    L30 4GB

    Alliance & Leicester Mortgages:
    Santander Image and Document Centre
    Carlton Park
    Narborough
    LE19 0AL

  • If you have Online or Mobile Banking, you can see your mortgage balance alongside any other accounts that you hold.

     

    If you don’t already have Online or Mobile Banking and have a mortgage with us and also a current account, savings account or credit card, sign up for Online and Mobile Banking today

     

    If you have a mortgage with us but not a current account, savings account or credit card you can still sign up for Online and Mobile Banking

  • Overpayments
    You can make overpayments on your Flexible Offset mortgage at any time. Simply use Online Banking to change the payment amount or call us on 0800 917 5630 Lines are open 8am to 7pm Monday to Friday and 9am to 1pm Saturday.

    Underpayments and payment holidays
    If you have the funds available in your savings pot, you can underpay and take payment holidays, giving you control of your payments. Simply use Online Banking to change the payment amount or call us on 0800 917 5630 Lines are open 8am to 7pm Monday to Friday and 9am to 1pm Saturday.

    Available funds
    To access the available funds on your Flexible Offset mortgage simply use Online Banking.

    Borrow more
    You can ask for a Credit Limit Review to borrow up to a maximum of 75% of the value of your home by simply using Online Banking or calling us on 0800 092 3881. Lines are open 9am to 7pm Monday to Friday and 9am to 2pm Saturdays.
     

    If you decide you want to move home, your Flexible Offset mortgage can easily be transferred to your new home, so you can enjoy the same great rate, even if you need to borrow more.

    Simply arrange to speak to a Mortgage Adviser by calling 0800 092 3881. Lines are open 9am to 7pm Monday to Friday and 9am to 2pm Saturdays.

    If you use Online Banking, you can see and manage your Flexible Offset mortgage online.

     

    If you have a Santander current account, savings account or credit card as well as your mortgage, sign up for Online and Mobile Banking

     

    If you have a mortgage with us but no Santander current account, savings account or credit card, you can still sign up to view and manage your mortgage online. You’ll need your mortgage account number which you can find on your latest statement.

    Can't find what you are looking for? Find more on the mortgages FAQs page.

  • Can't find what you are looking for? Find more on the mortgages FAQs page.