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Why choose us?

  • Award winning with over 160 years of experience so you know you’re in safe hands.

  • No product fee on selected mortgages.

  • 5% deposit mortgages available.

  • A free standard valuation on a property valued up to £2.5 million on the majority of our mortgages.

  • Choose how you apply. If you're comfortable choosing a mortgage without advice you can apply online. However if you'd like advice, give us a call or visit a branch.

  • See your mortgage in Online and Mobile Banking.

Plus if you're a 1|2|3 Current AccountSelect Current Account or 1|2|3 Lite Current Account customer, there are other benefits available to you.

Repaying your mortgage

A mortgage has two parts. The original amount you borrow to buy your home (known as capital), and the additional amount the lender charges for lending you this money (known as interest). You can choose a Repayment mortgage, an Interest Only mortgage or a combination of the two.

  • Repayment mortgages – your monthly payment is made up of capital and interest. As long as you keep up your payments, your mortgage will be paid off when your mortgage term ends.

  • Interest Only mortgages – your monthly payment only pays the interest you owe. You’ll still have to repay the capital at the end of your mortgage term and must make sure you have a way of doing so.

Different types of mortgages

  • Fixed rate – gives you peace of mind of knowing exactly what your monthly mortgage payments will be during the initial rate period.

  • Tracker rate – tracks above the Bank of England base rate during your initial rate period so your monthly mortgage payments will only change if the base rate changes.

  • Lifetime Tracker – tracks above the Bank of England base rate for the life of your mortgage term.

To find out more: different types of mortgages explained

Work out your costs

Find out how much you could borrow and what your monthly payments might be by using our mortgage calculator.

We want to make buying your new home easier, so we’ve provided a useful guide, simple video and mortgage calculators to help.

A guide to selling your home
A step-by-step guide to selling your home: who you need to involve and when, and the types of costs you can expect to pay.

A guide to moving home
A step-by-step guide to moving home, who you need to involve and when, and the types of costs you can expect to pay.

Mortgages made simple
See customers and advisers talking about some useful tips on buying a new home in our Mortgages Made Simple video

Different types of mortgages explained
Understand the differences between fixed and tracker rate mortgages.
Different types of mortgages explained

Budgeting for a mortgage
Work out how much you spend each month with our handy budget planner.

There are several housing schemes we support that can make buying your next home easier.

Shared Ownership
This allows you to part-own, part-rent your home in the first instance. You can buy larger shares in your home - up to 100% - as time goes on.

  • These schemes are run by Housing Associations (non-profit organisations that own, let, and manage rental housing)

  • You need at least a 10% deposit for the share of the home you're buying with a mortgage

  • You pay a subsidised rent to the Housing Association for the part you rent.

You need to check with the Housing Association to see if you're eligible for a Shared Ownership scheme. If you are, you can choose from our full mortgage range and apply in your local Santander branch or over the telephone.

To find out how much you could borrow and what your monthly payments might be, use our mortgage calculator.

Find out more about Shared Ownership

Help to Buy: equity loan and London Help to Buy
This government-run scheme combines a mortgage with an equity loan and allows you to buy a brand new home in England.

  • You put in at least 5% deposit and the government could provide an equity loan of up to 20% of the purchase price, or up to 40% if you're buying in a London borough (London Help to Buy).

  • The equity loan is interest-free for five years after which you start being charged interest.

We don't offer these mortgages through branch or over the telephone, so you'll need to speak to a Financial Adviser.

Find out more about Help to Buy: equity loan and London Help to Buy

Forces Help to Buy
This is a Ministry of Defence (MOD) scheme designed to help you if you're regular armed forces personnel. It can't be used with any other mortgage schemes.

The MOD will see if you qualify, and you could borrow up to 50% of your annual salary (up to a maximum of £25,000) to pay the deposit on your first home. The loan is interest-free and must be paid back to the MOD within ten years through your salary.

The mortgage itself works in exactly the same way as a standard mortgage. You can choose from our full mortgage range and apply in your local Santander branch or over the telephone.

To find out how much you could borrow and what your monthly payments might be, use our mortgage calculator.

Find out more about Forces Help to Buy

Before you put an offer in on a home, you need to get a decision in principle. This instantly tells you if we could lend you the amount you need. You'll also need this before you can apply online for a mortgage.

Then when you've had an offer accepted on the home you want to buy you can complete a mortgage application. There are three different ways of applying:

Online without advice
Watch our short video to see how easy it is to apply online.

Apply now

Contact Us By phone with advice
Call us on 0800 068 6064.
Lines are open 9am to 7pm Monday to Friday and 9am to 2pm Saturdays.


 
In a branch with advice
Find your nearest branch


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

 

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

Frequently asked questions

  • When you're buying a home we need you to have a deposit of at least 5% of the value of your property, meaning that you generally have to find a lump sum. Say you needed a 5% deposit on a home costing £150,000 you’d have to find a £7,500 deposit before you could consider buying.

  • We'll be able to give you an idea of how much you could borrow. You can also find out what type of mortgage you'd like and how much it's likely to cost. We won't be able to make you a formal offer until you've gone through a full mortgage application and we've carried out a valuation on the home you want to buy.

  • Your last three months' payslips (or four weeks if paid weekly) to show your income. If you're self employed you can use SA302s plus Tax Year Overviews (TYOs) covering three years, or an accountant's certificate or three years’ accounts. If you want to use other income to support your application there may be other documents you need, for example your P60 if you want to use annual bonus or your most recent HMRC letter if you want to include child benefit.

     

    Your last three months’ bank statements to show your outgoings, such as food and household bills. Our online budget planner will help you work out what you spend each month.

     

    You’ll need details of any outstanding financial commitments such as loans and credit cards. Plus details of insurance policies e.g. home insurance, mortgage payment protection, life or critical illness cover, and any investment/endowment details you wish to use to support your mortgage.

     

    You'll need to have your address details for the last three years. And finally details about your property.

     

    If you’re applying in branch you’ll also need ID such as your driving licence or passport.
     

  • Our tariff of mortgage charges shows our current charges. We send a copy of our current tariff of mortgage charges each year with the annual mortgage statement.

     

    What is your account fee?
    The account fee is the fee for managing your mortgage account and also includes closing your mortgage account when your mortgage ends. It only has to be paid once during the life of your mortgage on your property. You can pay it on completion, or it can be deferred until the end of your mortgage. Please note the fee won’t increase throughout the life of your mortgage on your property.
     

  • Can't find what you are looking for? Find more on the mortgages FAQs page.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.