Moving home

We'll help make your move a good one

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Dream home checklist

A list of what you’ll need to do. Download it and tick it off as you go.

How much could I borrow?

Use our helpful calculator

This can also be called a 95% loan to value (LTV) mortgage. 

It allows you to buy a home with a deposit of between 5% and 10% of the total price. 

For example, if your new home costs £200,000, a 5% deposit would be £10,000. This means you’d need a mortgage of £190,000. 

If you can put down a bigger deposit, you’ll have more deals with lower interest rates to choose from. 

It could also reduce your risk of negative equity. This is when the value of your home is less than the amount you owe on your mortgage.  

Take a look at our Negative equity page for more information on this.

This is a brief summary of the 3 different types of mortgages we offer

Fixed rateTracker rateLifetime Tracker
Best for:
For people who want to know how much they need to repay for the next few years

You can 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 Standard Variable Rate. If you want to finish your deal early, you may have to pay an early repayment charge.
Best for:
For people who think interest rates might change in the next few years or want to make unlimited overpayments.

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 Standard Variable Rate.
Best for:
For those who don’t want to look for a new mortgage deal again or who 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. Your payments may vary with this type of mortgage. 

The graphs are for illustrative purposes only.

For an in-depth comparison of all of our mortgages, read our guide to mortgages

Repayment mortgage

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.

Interest only mortgage

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

Before applying for a mortgage, you'll first need to get a decision in principle (DIP) from us online or by phone. A DIP tells you if we could lend you the amount that you need for your mortgage. It also won't affect your credit rating.

Online decision in principle

Get a no obligation decision in principle before you apply

Start my decision in principle

Continue my decision in principle

Online mortgage application

Once you’ve got your online decision in principle, you can apply for your mortgage

Start my mortgage application

Continue my mortgage application

By phone

0800 068 6064

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

Other things to consider

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