Why choose us?
- No product fee on some of our mortgages
- Free standard valuation on most of our mortgages on properties up to £2.5 million
- View your mortgage in Online and Mobile Banking
Dream home checklist
What you need to know about moving home
How much could I borrow?
Use our helpful calculator
Compare our mortgages
Take a look at our rates and what your monthly payments could be
This is a brief summary of the 3 different types of mortgages we offer
| Fixed rate | Tracker rate | Lifetime Tracker |
|---|---|---|
|
Best for: People who want an exact idea of what they’re going to have to repay for the next few years.  You can usually fix your deal for 2, 3 or 5 years. During this fixed period your monthly payments will stay the same. After your fixed period you’ll move onto the Santander Follow-on Rate (variable). If you want to finish your deal earlier you may pay an early repayment charge. |
Best for: People who think interest rates will stay low over the next few years or want to make unlimited overpayments on their mortgage.  You can choose a mortgage with an initial rate period and during this period your rate tracks above the Bank of England base rate. With this type of mortgage your payments may vary. The initial rate period is usually 2 years and after that you move onto the Santander Follow-on Rate (variable). |
Best for: People who don’t want to ever look for a new mortgage deal again or want to make unlimited overpayments.  With a Lifetime Tracker mortgage your rate will track above the Bank of England base rate for the life of your mortgage term. With this type of mortgage your payments may vary. |
The graphs are for illustrative purposes only.
For an in-depth comparison of the mortgage types on offer read our guide to mortgages
Your monthly payment covers both the amount you’ve borrowed and interest. So as long as you keep up your payments, your mortgage will be paid off at the end.
Your monthly payment only pays off the interest. You’ll still need to repay the amount you borrowed at the end of your mortgage and will need a separate plan in place to do this (such as an investment or endowment). We may limit the amount allowed on interest only.
You can choose to pay part of your mortgage as repayment and the other part as interest only.
Ways to apply
Online
Get a no obligation decision in principle before you apply
At your local branch
Speak to a Mortgage Adviser who can advise you on the right mortgage
By phone
Speak to a Mortgage Adviser who can advise you on the right mortgage
0800 068 6064
Lines are open 9am to 7pm Monday to Friday and 9am to 2pm Saturdays
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