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New customers moving home

Why choose us?
We know moving home is a big decision, that's why our expert Mortgage Advisers will listen to your needs and offer advice and recommend the right mortgage for you, so there's one less thing to worry about.

  • Award winning with over 160 years of experience you know you’re in safe hands.

  • Our competitive mortgage range gives you flexibility to choose the features and benefits that are important to you.

    • No product fee on selected mortgages

    • 5% deposit mortgages available

  • See your mortgage in Online and Mobile Banking.

  • Plus on the majority of our mortgages you’ll get a free standard valuation on a property valued up to £2.5 million.

Plus if you're a 1|2|3 Current Account or 1|2|3 Lite Current Account customer, there are other benefits available to you.

Work out your costs
Find out how much you could borrow or what your monthly payments might be by using our mortgage calculator. To help you budget for your mortgage, you can also work out how much you spend each month on things such as utility bills and food with our handy budget planner

Repaying your mortgage

A mortgage has two parts. The original amount you borrow to buy your home (known as capital), and the additional amount the lender charges for lending you this money (known as interest). You can choose a Repayment mortgage, an Interest Only mortgage or a combination of the two.

  • Repayment mortgages – your monthly payment is made up of capital and interest. As long as you keep up your payments, your mortgage will be paid off when your mortgage term ends.

  • Interest Only mortgages – your monthly payment only pays the interest you owe. You’ll still have to repay the capital at the end of your mortgage term and must make sure you have a way of doing so.

Different types of mortgages

  • Fixed rate – gives you peace of mind of knowing exactly what your monthly mortgage payments will be during the initial rate period.

  • Tracker rate – tracks above the Bank of England base rate during your initial rate period so your monthly mortgage payments will only change if the base rate changes.

  • Lifetime Tracker – tracks above the Bank of England base rate for the life of your mortgage term.

To find out more: different types of mortgages explained

Work out your costs

Find out how much you could borrow and what your monthly payments might be by using our mortgage calculator.

We want to make buying your new home easier, so we’ve provided a useful guide, simple video and mortgage calculators to help.

A guide to selling your home
A step-by-step guide to selling your home: who you need to involve and when, and the types of costs you can expect to pay.

A guide to moving home
A step-by-step guide to moving home, who you need to involve and when, and the types of costs you can expect to pay.

Mortgages made simple
See customers and advisers talking about some useful tips on buying a new home in our Mortgages Made Simple video

Different types of mortgages explained
Understand the differences between fixed and tracker rate mortgages.
Different types of mortgages explained

Budgeting for a mortgage
Work out how much you spend each month with our handy budget planner.

There are several housing schemes we support that can make buying your next home easier.

Shared Ownership
This allows you to part-own, part-rent your home in the first instance. You can buy larger shares in your home - up to 100% - as time goes on.

  • These schemes are run by Housing Associations (non-profit organisations that own, let, and manage rental housing)

  • You need at least a 10% deposit for the share of the home you're buying with a mortgage

  • You pay a subsidised rent to the Housing Association for the part you rent.

You need to check with the Housing Association to see if you're eligible for a Shared Ownership scheme. If you are, you can choose from our full mortgage range and apply in your local Santander branch or over the telephone.

To find out how much you could borrow and what your monthly payments might be, use our mortgage calculator.

Find out more about Shared Ownership

Help to Buy: equity loan and London Help to Buy
This government-run scheme combines a mortgage with an equity loan and allows you to buy a brand new home in England.

  • You put in at least 5% deposit and the government could provide an equity loan of up to 20% of the purchase price, or up to 40% if you're buying in a London borough (London Help to Buy).

  • The equity loan is interest-free for five years after which you start being charged interest.

We don't offer these mortgages through branch or over the telephone, so you'll need to speak to a Financial Adviser.

Find out more about Help to Buy: equity loan and London Help to Buy

Forces Help to Buy
This is a Ministry of Defence (MOD) scheme designed to help you if you're regular armed forces personnel. It can't be used with any other mortgage schemes.

The MOD will see if you qualify, and you could borrow up to 50% of your annual salary (up to a maximum of £25,000) to pay the deposit on your first home. The loan is interest-free and must be paid back to the MOD within ten years through your salary.

The mortgage itself works in exactly the same way as a standard mortgage. You can choose from our full mortgage range and apply in your local Santander branch or over the telephone.

To find out how much you could borrow and what your monthly payments might be, use our mortgage calculator.

Find out more about Forces Help to Buy

To apply for a mortgage with us you need to:

  • be aged 18 or over

  • be a UK resident

  • want the mortgage for a property in the UK (but not in the Isle of Man)

  • be intending to live in the property

  • have never had a home repossessed

  • have never been declared bankrupt or subject to an IVA (Individual Voluntary Arrangement).

Apply online
When you’ve found your next home and you’re ready to start your mortgage application, you can do this online and we’ll give you an instant decision in principle.

Apply now

Apply in branch or by phone
Alternatively, you can make an appointment in a branch or call us on 0800 068 6064.
Lines are open 9am to 7pm Monday to Friday and 9am to 2pm Saturdays.

What to expect when you talk to us
Initially we need to work out what we can lend you. We'll ask you some questions around your monthly income and outgoings.

To make sure you have the right information to hand when you speak to us, fill out the budget planner. We'll then be ready to take you through a mortgage application.


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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Frequently asked questions

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Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register or by contacting the FCA on 0800 111 6768. Santander and the flame logo are registered trademarks.