Residential purchase & remortgage deals
Santander offers mortgage products for first-time buyers, home movers, and people looking to remortgage.
Mortgages with Santander
Santander offers mortgages for first-time buyers, home movers and people looking to remortgage, as well as options for new build properties and buy-to-let landlords.
In addition to mortgages, Santander provides a range of banking products, including current accounts, savings, credit cards, and personal loans.
Santander UK plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority (FCA) and the Prudential Regulation Authority.
Santander UK is part of the global Banco Santander Group, one of the world’s largest banking organisations.
What types of mortgages does Santander offer?
Santander provides a wide range of mortgage options for different types of homebuyers and situations, helping you find a product that suits your needs. Each mortgage type comes with its own features, eligibility criteria and terms, so it’s worth comparing what’s available to find the right fit for your goals and budget.
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Fixed rate
Fixed-rate deals let you lock in an interest rate for a set term (commonly two, three, five or longer years), offering certainty over your monthly payments.
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Tracker and variable rate
Tracking the base rate or Santander’s standard variable rate, so payments can go up or down over time.
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Buy-to-let
If you’re investing in property to rent out, Santander offers buy-to-let mortgages — typically available via mortgage brokers.
How to apply for a Santander mortgage
Applying for a mortgage with Santander is designed to be straightforward and can be done online or by phone. Most people start by getting a decision in principle, which gives you an indication of how much you could borrow before you submit a full application. You can complete this and the full mortgage application online via Santander’s website or by calling their mortgage team for support.
Once you’ve submitted your application, Santander will ask you to provide supporting documents, such as proof of income and identity, which you can upload securely through your application tracking page. A Mortgage Relationship Manager will then assess your details, carry out credit and affordability checks, and arrange a call with a Mortgage Adviser to discuss the next steps.
Applications are subject to status and Santander’s lending criteria, and you’ll need to be a UK resident aged 18 or over to apply.
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How to compare mortgages with MoneySupermarket
Mortgage comparison is easy with MoneySuperMarket.
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Buying or remortgaging?
Tell us whether you’re looking to buy or remortgage and whether you’ll use the property to live in or rent out to tenants
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Tell us a few details
Let us know an estimate of the property value, your deposit, the length of your desired term, and how you want to repay
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We browse the market
We sift through mortgage deals from our leading panel of providers. This way, you can see what's on offer and make an informed choice
Does Santander offer mortgages for first-time buyers?
Yes, Santander offers a range of mortgage deals for first-time buyers, including fixed-rate and tracker options. The amount you can borrow will depend on factors such as your income, credit history and deposit size.
Can I remortgage to Santander from another lender?
Santander allows customers to remortgage from another provider, whether you’re looking to secure a better rate or change your mortgage type. Some deals may include incentives such as fee-free options, depending on the product.
What deposit do I need for a Santander mortgage?
The minimum deposit required varies by mortgage product. Santander offers mortgages with different loan-to-value (LTV) levels, so the size of deposit you’ll need depends on the deal you choose and your personal circumstances.
Does Santander offer buy-to-let mortgages?
Yes, Santander provides buy-to-let mortgages for landlords, although these are usually available through mortgage brokers rather than directly to consumers.
Can I get a decision in principle from Santander?
You can apply for a decision in principle (DIP) with Santander before making a full mortgage application. This gives you an idea of how much you may be able to borrow and can help when making an offer on a property.
Reviewed on 30 Dec 2025 by
