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
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 Conversion 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:
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.
View all the deals available to you, see what your monthly payments could be and then select the new deal you want.
When your paperwork is ready, you'll then have 14 days to review and accept your Conversion Offer.
Your new deal will then be set up and the transfer date confirmed to you by email or text message.
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?
|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.
1-5 of 5
1-5 of 5
If you accept a new deal with a rate that’s the same or lower than your current rate, or you’re on our Standard Variable Rate or a Lifetime Tracker product we’ll transfer you to your new deal straight away. If necessary, we’ll arrange for any early repayment charges to be waived.
If you accept a new deal with a rate that’s higher than your current rate, your new rate will start when your current deal ends. If you’re on a short term tracker your new rate will start when your current deal ends, or the day before the completion deadline of the new product whichever is first.
We'll always confirm your conversion date by email or text message.
If you have entered the account number shown on your latest mortgage statement and you were unable to sign in, unfortunately you can’t use the online service. However, we have Mortgage Advisers available to talk to you and if you would like to know the deals that are currently available then please call us on
0800 068 6462.
You can request paperwork for more than one product, however, you can only accept one deal. We will transfer your mortgage to the deal you confirm your acceptance for.
If you have not yet confirmed your acceptance online, or you have not yet signed and returned the paperwork then you do not need to do anything. We suggest you destroy any paperwork and we can confirm your online Conversion Offer will automatically expire after the accept by deadline.
If you've already confirmed your acceptance online, or you’ve signed and returned the paperwork to us, you have no right to cancel your deal.
If there has been a change in circumstance which is outside of your control, we may be able to consider a cancellation if your new deal hasn’t started. Please contact us on 0800 068 6462 to find out the status of your new deal.
The fixed and tracker rate mortgage deals in the Online Mortgage Transfer Service are the same as the deals available over the phone.