You are in

  • Personal
  • Mortgages
  • Already have a Santander mortgage
  • Existing Santander mortgage customers

Existing Santander mortgage customers

Find a new deal, move home, borrow more or make changes to your existing mortgage

What can we help you with today?

If you are an existing customer we can help you to find a new deal, move home, borrow more, or make changes to your existing mortgage.

Find your next mortgage deal

Find a new mortgage deal

The fast and easy way to change your mortgage

With exclusive rates for existing customers, if you’re coming to the end of your current Santander mortgage deal, on our Standard Variable Rate or just thinking about changing your existing deal, see what we can offer you today.

Find out more

Moving home with Santander

Moving home

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 with you or you could take a new deal including a range of exclusive rates for existing customers moving home.

Find out 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

Need to make a change? Here´s how

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

Find out more


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.

Additional information about your Santander mortgage

  • Find out more about the information we should have provided to mortgage customers affected by the Cap Margin increase in December 2008.

  • The main reasons for making mortgage overpayments are to:

    • reduce the amount of interest you pay

    • reduce the amount you owe

    • be mortgage-free sooner.

    You can overpay on any existing Santander mortgage.

    Fixed rate mortgages
    You can overpay on a fixed rate mortgage by up to 10% of your outstanding balance per calendar year (min £500) without paying an Early Repayment Charge.

    Tracker rate mortgages
    You can overpay on a tracker rate mortgage by up to 10% of your outstanding balance per calendar year (min £500) without paying an Early Repayment Charge. Some of our tracker rate mortgages allow you to make unlimited overpayments (min £500).

    Flexible Offset mortgages
    You can make unlimited overpayments on a Flexible Offset mortgage free of charge.

    Standard Variable Rate mortgages
    You can make unlimited overpayments on our Standard Variable Rate (min £500) free of charge.

    How do I do this?
    To make an overpayment on a fixed, tracker or Standard Variable Rate mortgage please print off the overpayment form and send to the address on the form or call 0845 600 3530.

    If you wish to make an overpayment on your Flexible Offset mortgage simply use Online Banking or call us on 0845 600 3530.
    Lines are open 8am to 7pm Monday to Friday and 9am to 1pm Saturday

  • 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. Please note that our minimum overpayment amount is £500 and on some products you can only overpay up to 10% of your mortgage balance per calendar year during your initial rate period without paying an Early Repayment Charge.

    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 028 1624 Lines are open 8am to 7pm Monday to Friday and 9am to 2pm Saturday.

    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 a financial adviser, it can help to have a good idea of:

    • your income

    • current and future expenses

    • the value of your property

    • 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 08444 111 444 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

  • 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 0845 600 3530 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 0845 600 3530 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 555 1000 Lines are open 8am to 9pm Monday to Friday and 8am to 4pm Saturday

    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 555 1000 Lines are open 8am to 9pm Monday to Friday and 8am to 4pm Saturday

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

    If you haven’t yet got access, register for Online Banking today.

    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.