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Moving your mortgage to us

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.

  • Plus on the majority of our mortgages you'll get:

    • a free standard valuation on a property valued up to £2.5 million; and

    • we’ll pay your standard legal fees, which are only repayable if you repay your mortgage within the first two years.

  • 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 remortgaging to us easier, so we’ve provided a useful guide and mortgage calculators to help.

Steps to moving your mortgage to us
A step-by-step guide on how to move your mortgage, who you need to involve and when, and the types of costs you can expect to pay.

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

Budgeting for a mortgage
Have the right information available by completing our handy budget planner.

We're part of a scheme that may make it easier when moving your mortgage to us.

Shared Ownership
If you already have a home through a Shared Ownership scheme, then we could help you find a better deal from our mortgage range. To find out how much you can borrow and what your monthly payments might be use our mortgage calculator.

You can buy a bigger share of your home later down the line and eventually own 100% if you wish.

A decision in principle tells you instantly if we could lend you the amount you need. You'll also need this before you can apply online for a mortgage.

When you're ready to 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



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

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. 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 Santander and the flame logo are registered trademarks.