Completed: About you
Current: Available mortgages
Completed: About you
Current: Available mortgages


You can apply:

    by calling us on 0800 068 6064. Lines are open 9am to 7pm Monday to Friday and 9am to 2pm Saturday

Important information

  • Rates correct as at 16 July 2024 and may be withdrawn at any time.
  • Mortgage costs are calculated on a repayment basis excluding any product fee and are intended for illustrative purposes only. 
  • For information on our fees and charges see our Santander tariff of mortgage charges

This calculator is for illustrative purposes only.

Why remortgaging can help you

Remortgaging means you move from one lender to another while staying in the same home. There are a number of ways in which it may help you.

Reduce your mortgage payments

You may be able to reduce your monthly mortgage payments by taking out a new mortgage with us at a lower rate than your current rate. Even a small change in the interest rate you pay could result in savings over time.

Borrow more money

You can use the equity in your home to borrow more money for a number of things such as home improvements or a new car. Just remember, increasing the size of your mortgage will mean your monthly payments may go up.

Try our calculator which will tell you how much you could borrow or get a decision in principle

Change in circumstances

You may want to change your mortgage for any number of reasons. Perhaps you’ve come into some money and you want to pay off some of your mortgage or you have an interest only mortgage which you want to change to a repayment mortgage.

If you’re thinking about remortgaging, make sure you think about what you want from your new mortgage. Remember also that moving your mortgage from your current provider may incur charges like an early repayment charge and exit fee.

Potential costs to consider

Early repayment charge

If you’re tied into a deal with your current lender, you may need to pay an early repayment charge to get out of the deal early. It’s normally a percentage of your mortgage and you can find it in your mortgage offer or annual mortgage statement. If you can’t find it speak to your current lender who will be able to help.

Product fee

Some of our mortgages don’t have a product fee. If you choose one that does, you can normally add the fee to your mortgage, but it’ll mean you’ll pay interest on the product fee unless you pay it off within 21 days of completing your mortgage.

Valuation fee

Most of our mortgages have a free standard valuation to make sure the property is worth the amount you’re paying for it.

Legal/conveyancer fees

You need a solicitor/ licensed conveyancer to help with the legal aspects of remortgaging. For most of our mortgage deals we’ll pay your standard legal fees. You’ll have to pay them back if you pay off your mortgage within 2 years.

Account fee

This is charged by us for providing and administering your mortgage. You can pay it when your mortgage completes or the end of your mortgage, either way you’ll pay the same amount.

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 the mortgage types on offer 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 for your mortgage

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


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

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