• Make single overpayments any time.
• Make regular payments by Direct Debit (which you can cancel at any time).

You can also make overpayments in Online Banking

You can make an overpayment to reduce your monthly payments online or by phone. If you want to reduce your mortgage term you’ll need to speak to us on 0800 783 9738. 

If you have a Santander current account, savings account or credit card sign up here

If you have a Santander mortgage, but don't have a Santander current account, savings account or credit card, sign up here

When you enter your mortgage account number it must be exactly as it appears on your Annual Mortgage Statement, so please have a copy handy before you get started.

If your account number doesn’t begin 0915 please call us on 0800 077 8592.

Before you call us to talk about changing your mortgage term or repayment method you’ll need several documents to hand.

You’ll also need the results from the ‘changes to my existing mortgage’ calculator.

• pay a £95 fee on completion and
• appoint a solicitor and pay any associated costs.

• you’ve had your Santander mortgage for more than 6 months; and
• you’re not in arrears on your mortgage payments.

To change your address we’ll need a recent utility bill. 

To change your name we’ll need a copy of your new and old signature and one of the following:

• marriage certificate
• decree absolute
• birth certificate
• change of name deed
• civil partnership certificate.

In certain situations we may need some more information from you, but if we do, we’ll let you know.

You need to write to us to let us know what you would like to change with the right documents.

Call 0300 500 5000 or visit the Money Advice Service site

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

Call 0808 808 4000 or visit The National Debtline site

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

If your Buy to Let mortgage is coming to an end you can change deal online or over the phone. See our changing deals section for more information on how to do this.

There a number of things you need to take into account when letting a property. You can find out what your responsibilities are as a landlord on the government’s renting out a property pages

The amount of tax you pay on Buy to Let properties is changing and could reduce the amount of income you earn from your Buy to Let properties.

For more information about these changes visit the government’s Buy to Let pages

If you have 4 or more mortgaged Buy to Let properties you’re a portfolio landlord. There are no changes to existing Buy to Let mortgages with us, and you’ll be able to switch to a new product once your existing deal expires (subject to standard criteria), but we won’t be able to offer you a Buy to Let mortgage on a new property.

The Bank of England base rate is currently 0.75%.

Santander’s FoR is currently 4.00% (the Bank of England base rate plus 3.25%).

Santander’s SVR is currently 4.99%.

The Alliance & Leicester SVR is currently 4.99%. 

This depends on your type of mortgage.

• Use our mortgage calculator to work how a change to the Bank of England base rate could change your monthly mortgage payments.
• Use our budget planner to work out your monthly spending and see where you could make some savings.
• If you’re coming to the end of your existing deal, on the Standard Variable Rate, Follow-on Rate or on a deal with no early repayment charge you could choose a new deal. Take a look at our changing deals section

If you’re still worried about a change in your interest rate and how it might impact you, we can help