Can a broker do a product transfer with Santander?

Yes, we can arrange a product transfer with Santander on your behalf. We do all the heavy lifting and compare the offered rate against the rest of the market.

Is it cheaper to stay with Santander or remortgage?

It depends on your current loan-to-value, credit score, and market conditions. A product transfer has zero legal fees, but another lender might offer a significantly lower interest rate. We'll crunch the numbers for you.

How long does a Santander mortgage application take?

Application times vary depending on complexity and lender backlog, but typically a product transfer is instant or takes a few days, while a new application can take 2-4 weeks. We track it constantly to speed things up.

Santander Mortgages & Product Transfers

We have access to Santander's full range of mortgage products, including exclusive deals and product transfers for existing customers. We compare them against our comprehensive lender panel to ensure you get the right deal.

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.

Access to Santander's latest mortgage rates
Hassle-free product transfers for existing Santander customers
We compare Santander against 90+ other UK lenders
Full management of your application from start to finish
free initial mortgage advice

Step 3 of 5

Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

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 to get your application approved smoothly.

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 90+ lenders. We handle the paperwork, chase the lender, and ensure you're getting the best possible financial outcome.

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

Typical Santander UK rate ranges

Indicative broker-facing ranges as of Q3 2026. Rates change daily and depend on your loan-to-value, credit profile and product fees — always confirm the live rate at application.

2-year fixed (60% LTV)

typically 3.95% – 4.40%

5-year fixed (60% LTV)

typically 3.90% – 4.30%

BTL 5-year fixed (75% LTV)

typically 4.45% – 5.05%