Manage your mortgage

Helping you manage your mortgage

Family sitting at a table

Did you know you can manage your mortgage quickly and easily using Online Banking? 

And now you can change your deal and make overpayments in the mobile app too. 

Already have Online Banking?

Log on, choose your mortgage account and then 'Manage my Mortgage'

Sign up

For Online and Mobile Banking

Download the app

(You'll need log on details to get started)

Making one or more overpayments could reduce your mortgage balance and the amount of interest you pay, which may help to pay off your mortgage earlier. 

If you're thinking of paying off your mortgage in full, take a look at look at our paying off your mortgage early page for more information.

How much can you overpay?

If your Santander mortgage loan isOverpayment amountEarly repayment charge
Not on a fixed rateUnlimitedNone
On a fixed rateUp to 10% of the outstanding balance each calendar year (January to December)None

    If you don’t use your full 10% allowance, you won’t be able to carry it over into future years.

    If you’re redeeming your mortgage (repaying everything you owe), or transferring to a new deal where you must pay an early repayment charge, you won’t be able to use the 10% allowance.

    You can find out what your early repayment charge will be in your original mortgage offer, annual mortgage statement or Online Banking.

    Types of overpayments

    To set up single or regular overpayments in Online and Mobile Banking, you’ll need to have a single loan mortgage. 

    Single overpayments

    You can make single overpayments online if you have a Santander current or savings account. Visit our contact us page for step-by-step instructions on how to make overpayments.

    Regular overpayments

    You can also set up regular overpayments. You’ll make these additional payments on top of your monthly mortgage payment by amending your Direct Debit. Visit our contact us page for step-by-step instructions on how to make overpayments.

    Not set up for Online or Mobile Banking? You can sign up online 

    If you’re not able to make overpayments online, please call us to speak with a member of our mortgage team. 

    Interest only mortgage

    If you have an interest-only mortgage, you can set up overpayments online. However, you can only choose to reduce your mortgage payments. If you’d like to reduce your mortgage term, please call us. 

    How much could you save?

    Overpayments calculator

    If you’re looking to reduce your monthly payments or pay your mortgage off sooner, making an overpayment to your mortgage may help you do it

    Get started



    Online Banking

    Make an overpayment when it suits you. Log on, select your mortgage account and then ‘Manage my mortgage'.


    Log on

    Mobile Banking

    You can now set up, edit and cancel regular overpayments in our mobile app

    Don’t have our mobile app? You can download our app for your phone or device, you can use the same details you use for Online Banking

    Get started


    Alternatively, you can get in touch with our mortgage team. Our opening hours are 8am-6pm Monday to Friday, and 9am-2pm Saturday.


    You can view your mortgage using Online and Mobile Banking. See useful information about your mortgage as well as explore and secure a new deal for your existing mortgage, make overpayments, start the process to change your term or repayment method, and borrow more.

    Sign up for Online and Mobile Banking

    It’s easy to sign up, you’ll need your mobile phone and either: 

    •  your mortgage account number 
    •  your debit or credit card, or 
    •  your banking or savings account number and sort code.

    Sign up  

    Tip: You’ll find your mortgage account number on your annual statement or on any letter from us about your mortgage. You must enter it exactly as it appears.

    If you need help please call us on 0800 077 8592.

    With Mobile and Online Banking, you’ll be able to work out the maximum term you can have on your mortgage. You’ll also see how your monthly payments will change if you reduce or extend your mortgage term. 

    How to change your mortgage term or repayment method

    You can use Mobile or Online Banking to start changing your mortgage term or the way you repay your mortgage (such as switching from interest-only to repayment). We’ll then contact you to finish your application over the phone. 



    Already have Online Banking?

    Log on, choose your mortgage account and then 'Manage my Mortgage'


    Log on

    Download the app

    (You'll need log on details to get started)


    Find out more

    Not registered for Mobile and Online Banking yet?

    Get started


    Take a look at our Mobile Banking guide to see all the ways you can manage your mortgage using our app. Alternatively, you can get in touch with our mortgage team on 0800 051 5579. Our opening hours are 9am-7pm Monday to Friday, and 9am-2pm Saturday. 

    Before you get in touch

    You may want to use our changes to my existing mortgage calculator first to see the impact on your monthly mortgage payments. 

    Before you start to make changes to your mortgage term or repayment method, please bear in mind the following. 

    • If you’re looking to reduce or increase your term or you want to change to an interest-only mortgage, there’s a £75 fee. 
    • A credit search will need to be carried out. 
    • You’ll need to provide evidence of your income. 

    We’ll also need specific documents from you. 

    Please see our list of what documents you may need for your circumstances.


    If you want to add or remove someone from your mortgage we’ll need to make sure you can still afford the payments after we make the change. To do this we’ll look at your income and outgoings.


    Budget calculator

    Work out how much you spend each month

    Take a look

    As part of your application you’ll have to:

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


    How to amend a borrower

    By phone

    0800 051 5579

    Our mortgage team is here to help 9am to 7pm Monday to Friday and 9am to 2pm Saturday

    You’ll need to have details of your income and outgoings to hand

    You may be able to let your property if:

    • you’ve had your Santander mortgage for more than 6 months;
    • you transferred to a new deal with Santander over 3 months ago; and
    • you’re not in arrears on your mortgage payments.

    If you’d like to know more, you’ll find the specific conditions for letting your property here (70 KB)


    How to let your property

    By phone

    Speak to a member of our mortgage team

    0800 917 5630

    Lines are open 8am to 6pm Monday to Friday and 9am to 2pm Saturday

    Alternatively, you can complete this Letting your property questionnaire (45 KB) and send it to us. 

    Change of address

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

    Change of name

    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.

    How to change your personal details

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


    Santander mortgages
    Mortgage and Loan Operations
    Bridle Road
    L30 4GB

    Alliance & Leicester mortgages
    Santander Image and Document Centre
    Carlton Park
    LE19 0AL

    It’s important you have a repayment plan in place to repay your interest only mortgage when it ends. If you don’t have a plan, you can think about these options:

    Switch to repayment

    Convert part or all of your interest only mortgage to repayment so it pays off the interest and the capital. You can apply to do this in our mobile app or in Online Banking. Simply log on, choose your mortgage account and then ‘Manage my mortgage’.

    Make overpayments

    Make overpayments on your mortgage to reduce the capital balance. You can do this easily online using Online or Mobile Banking

    Sell your home

    If you’re planning to sell your home you should put your house on the market 6 months before your mortgage ends. Make sure once you’ve sold your home you’ll have enough money to pay off your mortgage and money left over to buy another home.

    What to do if you’re worried about repaying your interest only mortgage when it ends

    If you can’t afford to pay back the mortgage balance outstanding at the end of your mortgage term, you may have to sell your property or face repossession.

    If you want to talk to us about making changes to your interest only mortgage please call us on 0800 012 1583.

    If you are experiencing financial difficulties or your interest only mortgage is ending and you can’t repay, call us on 0800 731 6650. If we’re not able to assist you there may be other external options available. If you would like free and independent advice, you can contact these organisations:


    Call 0800 138 7777 or visit the MoneyHelper site

    Citizen's Advice Bureau

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

    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


    Later life mortgages

    We’ve partnered with Legal & General to offer you lifetime and retirement interest only mortgages.

    Designed for customers aged 55 or over, a later life mortgage lets you borrow money based on the value of your home, as a loan secured against it, while you continue to live there. The loan is usually repaid when the last surviving borrower dies or moves out of the home into long-term care.

    Legal and General logo
    • With a lifetime mortgage you are able to decide whether you’d like to pay all, some or none of the interest each month.  
    • With a retirement interest only mortgage you must pay the interest in full each month. As a last resort, your home may be repossessed if you do not keep up with your payments.

    There’s lots to consider so it’s important to receive financial advice to help you make the right decision. There may be cheaper ways to borrow money. Legal & General has its own team of specialist later life mortgage advisers, to help you find the right option for you. If you speak to one of their advisers, there’s no obligation to proceed. 

    Learn more about later life mortgages with Legal and General
    Call us to discuss Legal & General later life mortgages on 0800 012 1583 (option 3).

    Changing deals

    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.

    Landlord responsibilities

    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

    Paying tax on your let properties

    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

    Portfolio landlords

    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 the official interest rate set by the Bank of England’s Monetary Policy Committee. Banks and building societies use the base rate to calculate interest rates for some mortgage products.

    Find out more about the recent Bank of England base rate change.

    What is the Bank of England base rate?

    The Bank of England base rate is currently 0.25%.

    What is the Santander Follow-on Rate (FoR)?

    Santander’s FoR will be 3.50% from the beginning of February (the Bank of England base rate plus 3.25%).

    What is the Santander Standard Variable Rate (SVR)?

    Santander’s SVR will be 4.49% from the beginning of February.

    What is the Alliance & Leicester SVR?

    Alliance & Leicester’s SVR will be 4.49% from the beginning of February.

    How does a change in the Bank of England base rate affect me?

    This depends on your type of mortgage.

    Follow-on Rate (FoR)

    Santander’s FoR is a variable rate that all mortgage deals taken after 23 January 2018 will automatically move to after the deal period finishes. The FoR tracks, and is directly linked to, the Bank of England base rate, meaning it can go up or down.

    Find out more about Santander’s Follow-on Rate

    Standard Variable Rate (SVR)

    SVR is the rate that all mortgage deals taken before 23 January 2018 will automatically move to after the deal period finishes.

    Both the Santander and Alliance & Leicester SVRs are managed rates and not linked to the Bank of England base rate. 

    Both SVRs are variable rates so payments could move up or down.

    Tracker rate mortgage

    Tracks the Bank of England base rate for a set period of time. Your monthly payment will go up or down depending on movements to the base rate, so you need to be sure that you would be able to afford the payments should interest rates increase.

    Lifetime Tracker and Flexible Offset mortgages are guaranteed to track the Bank of England base rate for the life of the mortgage.

    Fixed rate mortgage

    If you choose a mortgage deal where you fix your interest rate your monthly payments will stay the same.

    You’re protected from increases to the Bank of England base rate during the deal term. You won’t be able to take advantage of any decreases to the base rate during the fixed deal term. 


    If you're not sure what type of mortgage you have, you can check your original mortgage offer, annual mortgage statement or the mortgage account details in Online Banking.

    Worried about interest rate changes affecting you?

    • 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


    Applications are subject to status and lending criteria. Applicants must be UK residents aged 18 or over.

    Award-winning mortgage provider

    • Your Mortgage Awards 2020 Best First Time Buyer
    • Best Remortgage Lender 2019

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