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Existing mortgage customers changing deals

Find a new deal, move home, borrow more or make changes to your existing mortgage

It's fast and easy to change to a new deal either online or over the phone if:

  • your current Santander mortgage deal is coming to an end; or

  • you’re already on our Standard Variable Rate, or Follow-on Rate; or

  • your current Santander mortgage deal does not have an early repayment charge (excluding Flexible Offset mortgages).

When you’re an existing mortgage customer there are no affordability or income checks, no legal or valuation fees to pay and no new Direct Debits to set up.

Already submitted a transfer request and your Mortgage Offer's expired?

If you didn't log on to accept your deal before the deadline, you’ll need to submit a new transfer request.

If you couldn't access your offer due to a technical issue, and:

  • you arranged your product transfer directly with Santander, please call us on 0800 051 0803

  • you arranged your product transfer through a financial adviser or mortgage broker, please contact them directly.

For all other queries about changing your deal, please call 0800 092 3881. Lines are open 9am to 7pm Monday to Friday and 9am to 2pm Saturdays.

Ways you can change your deal

Go online if you're happy to pick the right deal for your circumstances without advice. Compare all the deals available to you in the comfort of your own home. This is what you need to do:

  1. Enter a few details about you and your mortgage and confirm your eligibility to use the service. It will help to have your latest mortgage statement to hand.

  2. View all the deals available to you, see what your monthly payments could be and then select the new deal you want.

  3. When your paperwork is ready, you'll then have 14 days to review and accept your Mortgage Offer.

  4. Your new deal will then be set up and the transfer date confirmed to you by email or text message.

Change deal Link opens in a new window



Over the phone
If you're unsure about which mortgage deal to take and want the security of having expert advice or you’re looking to make any other changes to your mortgage at the same time, we have a team of Mortgage Advisers who’ll ask you a number of questions to establish your individual needs, circumstances, preferences and priorities. They’ll then be able to recommend the most suitable deal for you.

Call us today on 0800 092 3881. Lines are open 9am to 7pm Monday to Friday and 9am to 2pm Saturdays.

Which service can I use?

  Online Phone
Your mortgage deal finishes within the next four months  Yes  Yes
You’re on a Standard Variable Rate or a deal without an early repayment charge  Yes  Yes
You've got a Flexible Offset mortgage  No  Yes
You're happy to choose your new deal online without any advice  Yes  No
You'd like advice on which mortgage deal is suitable for you  No  Yes
You want to make any other changes to your mortgage  No  Yes
You want to borrow more  No  Yes
You want to make a lump sum repayment  No  Yes
Your property is currently let  Yes  Yes

Sometimes other criteria may apply where you'd need to take advice from us rather than use our online service.

If you've already submitted your transfer request online and have any queries about your paperwork then please contact us on 0800 068 6462.



All applications are subject to status and our lending criteria. This means that the amount we will lend you will depend on your individual circumstances, the type of property and the amount you borrow. For example, we may require a higher deposit if you are buying a flat or a new build property.

Our awards

Our awards

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