Santander Residential Mortgage Rates
| Product | Rate | Initial Period | Fee | Overpay |
|---|---|---|---|---|
| 2-yr fixed 60% LTV | 4.95% | 2 years | £999 | |
| 2-yr fixed 75% LTV | 5.10% | 2 years | £999 | |
| 2-yr fixed 85% LTV | 5.30% | 2 years | £999 | |
| 2-yr fixed 90% LTV | 5.50% | 2 years | £999 | |
| 5-yr fixed 60% LTV | 3.75%Best | 5 years | £999 | |
| 5-yr fixed 75% LTV | 3.93% | 5 years | £999 | |
| 5-yr fixed 85% LTV | 4.13% | 5 years | £999 | |
| 5-yr fixed 90% LTV | 4.33% | 5 years | £999 | |
| 5-yr fixed 95% LTV | 4.63% | 5 years | £999 | |
| 2-yr tracker 60% LTV | Base+0.70% | 2 years | £999 | |
| Standard Variable Rate | 8.09% | Ongoing | None | - |
Santander Buy-to-Let Mortgage Rates
| Product | Rate | Initial Period | Fee | Overpay |
|---|---|---|---|---|
| BTL 2-yr fixed 60% LTV | 5.50% | 2 years | £1,499 | |
| BTL 5-yr fixed 60% LTV | 4.35%Best | 5 years | £1,499 | |
| BTL 5-yr fixed 75% LTV | 4.60% | 5 years | £1,499 |
Santander Product Transfer Rates
| Product Transfer Option | Rate | Initial Period | Fee | Cashback |
|---|---|---|---|---|
| Santander 2-yr fixed PT (same LTV band) | 5.00% | 2 years | £0 | Cashback available |
| Santander 5-yr fixed PT (same LTV band) | 3.80% | 5 years | £0 | Cashback available |
| Santander PT + borrow more (residential) | 3.87% | 5 years | £595 | Cashback available |
About Santander Mortgages
Santander is one of the UK's largest mortgage lenders, part of the global Santander Group with over 160 years of financial services history. Their UK mortgage operation offers a comprehensive range of residential and buy-to-let products with competitive rates and a large network of branches and mortgage advisors.
Santander suits mainstream borrowers purchasing or remortgaging standard residential properties. They are particularly competitive for borrowers with larger deposits (40%+ LTV) and have a strong range of tracker and offset mortgage products. Existing Santander customers may benefit from preferential rates on product transfers.