Santander Mortgages & Product Transfers
We have access to Santander's mortgage products available through our panel, including exclusive deals and product transfers for existing customers. We compare them against our comprehensive lender panel to assess which available option may suit your circumstances.
Getting a Mortgage with Santander
Whether you're a first-time buyer, moving home, or looking to remortgage, Santander offers a competitive range of mortgage products, with excellent options for professionals and high earners. If you're an existing customer, we can secure a Santander product transfer (rate switch) for you, often with no legal fees or valuation needed. But before you lock in, we'll check if another lender could save you more money.
- Review of Santander mortgage products available through our panel
- Hassle-free product transfers for existing Santander customers
- We compare Santander against 80+ other UK lenders
- Full management of your application from start to finish
- free initial mortgage advice
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Tell us about the property
Estimates are fine — we'll refine the numbers together.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Santander Product Transfers
If your current Santander mortgage deal is coming to an end, you might be offered a product transfer. This is a quick way to secure a new rate without a full remortgage. We can arrange this for you while also checking if switching to a new lender would be cheaper.
First-Time Buyers & Home Movers
Santander provides various options for those buying a property, including competitive LTV (Loan-to-Value) products and flexible lending criteria. We can help you navigate their requirements and prepare an application that reflects your circumstances.
Why Use a Broker for Santander?
Going direct means you only see one bank's products. By using us, you get access to Santander's deals plus our comprehensive panel of 80+ lenders. We handle the paperwork, chase the lender, and help you assess the costs and suitability of the available options.
Santander UK at a glance
Established 2004. Headquartered in London. FCA firm reference number 106054.
Specialties
- Standard residential and BTL
- Higher income multiples for professionals
- 1|2|3 World customer benefits
- New-build lending up to 90% LTV
Lending criteria highlights
- Min income: £25,000 sole / £45,000 joint for higher multiples
- Max LTV: 95% residential, 75% BTL
- Max age at term end: 75 (residential)
- Self-employed: 2 years' SA302s
- Contractors: Fixed-term contract: 12 months' history and 6 months remaining
Where Santander UK shines
- Competitive core high-street pricing
- Professional income multiples up to 5.5x
- Free legals and valuation on many remortgage deals
Watch-outs
- Stricter on gifted deposits from non-family
- Bonus/commission typically capped at 50%
- Source
- Santander UK lender or intermediary information, FCA Register records and adviser research
Santander UK does not publish an explicit position on every point covered here. Where that is the case, the guidance reflects our adviser experience and should be confirmed with the lender before application.
Sources & further reading
These links include lender or intermediary information, background reading and FCA Register records. A general lender page does not substantiate every criterion above. Check current criteria before applying. You can independently verify lender authorisation on the FCA Financial Services Register.
Santander Mortgages & Product Transfers — FAQs
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Your initial mortgage consultation is free with no obligation. If you decide to proceed with an application, a broker fee may apply depending on the complexity of your case — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). The exact amount is explained and agreed in writing before any chargeable work begins. Lenders may also pay us a procuration fee on completion.
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