Moving home

Whether you’re a new or existing customer moving home, we can help make your next move a good one

Let us take the stress out of getting a mortgage and help your move go smoothly with our step-by-step guide

Moving home guide

I already have a Santander mortgage


You’re in safe hands. You can take your current deal to your new home. Or choose a new deal. 


Existing mortgage customers

I don’t have a Santander mortgage


You’ve come to the right place. Save money with a free standard valuation and no product fee on some mortgages. 

New mortgage customers

Start your mortgage journey here

Use our online tools to find out how much you could borrow, the deposit amount you might need and what your monthly payments might be. You then need a decision in principle before applying.  
 

Find out how much you could borrow

Get an idea in just a couple of minutes

Mortgage calculator

Work out how much deposit you might need

See how quickly you can save for a deposit

Deposit calculator

Compare our rates

Check how much your monthly payments could be

Compare rates

Get a decision in principle and apply for a mortgage

Before applying for a mortgage, you'll first need to get a decision in principle (DIP) from us online or by phone. A DIP tells you if we could lend you the amount that you need for your mortgage. It also won't affect your credit rating.

Online decision in principle

Get a no obligation decision in principle before you apply

Start my decision in principle Continue my decision in principle

Online mortgage application

Once you’ve got your online decision in principle, you can apply for your mortgage

Start my mortgage application Continue my mortgage application

By phone

0800 068 6064

Our mortgage team is here to help 9am to 6pm Monday to Friday and 9am to 2pm Saturday

This is a summary of the 3 different types of mortgages we offer
 

Fixed rateTracker rateLifetime Tracker

Best for:

For people who want to know how much they need to repay for the next few years

 


You can fix your deal for 2, 3 or 5 years. During this fixed period your monthly payments will stay the same. After your fixed period you’ll move onto the Santander Standard Variable Rate. If you want to finish your deal early, you may have to pay an early repayment charge.

Best for:

For people who think interest rates might change in the next few years or want to make unlimited overpayments.
 


You can choose a mortgage with an initial rate period and during this period your rate tracks above the Bank of England base rate. With this type of mortgage your payments may vary. The initial rate period is usually 2 years and after that you move onto the Santander Standard Variable Rate.

Best for:

For those who don’t want to look for a new mortgage deal again or who want to make unlimited overpayments.
 


With a Lifetime Tracker mortgage your rate will track above the Bank of England base rate for the life of your mortgage term. Your payments may vary with this type of mortgage. 

The graphs are for illustrative purposes only.
For an in-depth comparison of all of our mortgages, read our guide to mortgages

 

Repayment mortgage

Your monthly payment covers both the amount you’ve borrowed and interest. So as long as you keep up your payments, your mortgage will be paid off at the end.

Interest only mortgage

Your monthly payment only pays off the interest. You’ll still need to repay the amount you borrowed at the end of your mortgage and will need a separate plan in place to do this (such as an investment or endowment). We may limit the amount allowed on interest only.

Combination

You can choose to pay part of your mortgage as repayment and the other part as interest only.
 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Applications are subject to status and lending criteria. Applicants must be UK residents aged 18 or over.

Got a mortgage question?

 

Mortgage help & support

 

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