Rating based on 34 reviews

Santander Mortgage

Updated
  • Home loans up to £20,000
  • Low-interest starting from 3.0%
  • Repayment up to 5 years
Santander homepage
Author Santander. Screenshot of Santander website.
[Accessed May 19, 2023]

About Santander

Probably the most important purchase in your life is a home.

Obtaining a home loan to buy your dream home is a decision not to be taken lightly. Choosing a company that gives you a good deal on a mortgage is your first step. There are many things to consider when deciding to get a home loan. Santander is here to help you make the right choice.

Many home loan options to choose from

Santander has a wide variety of financial solutions for you. Offering home loans at low rates, low section fees, and outstanding administration. They know that buying your first home is an unknown process, so they have thought it good to compile an extensive guide specially designed for you.

Get assistance from a very capable and specialist team that will be helping you through your entire home loan journey. Buying your first home with a home loan from Santander will be stress-free and convenient. You will have a new home and gain valuable friends in the home loan industry as well. 

The mortgage team that becomes friends

It's good to know that when you need it most, there is an expert team that is there for you. Being a large retail and commercial bank in the UK, Santander knows their home loan business. With 14 million active customers and £175,0 billion in UK mortgage loans, you came to the right place.

Being a customer-focused bank, they serve their customers through digital channels as well as a wide network of branches and Corporate Business Centres. They offer innovative products and services to help their customers prosper and grow and their home loans are no different.

Incredible home loans from Santander

Santander offers an exclusive first-time buyer home loan deal that is so good you would not want to look any further. These deals include a 5% deposit which will make purchasing your first home a very pleasant experience. 

Santander Services

Doing things differently from their competitors is what has set them apart and made them who they are today.

Santander has a huge variety of financial options when it comes to home loans. Their main goal is to improve lives and empower people financially and their home loans are just one of the many ways they fulfill this goal. With them, you will get a home loan that suits your needs. 

Help for first-time home loan seekers

If you are looking to buy your very first home through Santander, they can provide you with a government scheme home loan. They offer fixed-rate home loans, tracker-rate home loans, and lifetime tracker-rate home loans. With this wide variety of offers, you are sure to get the home loan that will be right for you.

With the expert home loan advisors at Santander you know you will get proper and sound advice. They have also made available on their website, a helpful mortgage calculator to help you see how much borrowing power you could have. You will also be able to see your interest rate and your repayment terms.

Some things are free

Santander offers free standard valuations. These valuations apply to most of their home loans on properties of up to £2,5million. A standard valuation is a process of making sure that the property is worth what the asking price is ensuring that you get the right value for money.

Home insurance to keep your home safe

Choosing to take out home insurance is another good idea. Santander offers you a quick and easy online quote. You have the options of Classic cover or Plus cover. Making changes to this policy over time or cancelling it is free and there is no fee charged when you pay via Direct Debit.

Under your home insurance policy, you also have the option of getting additional coverage. These include personal cover, accidental damage, and legal services to name just a few. 

Santander – Home loan

  • Loan Type Home loans
  • Interest Rate from 3.0%
  • Loan Amount up to £20,000
  • Repayment 1 year to 5 years

Benefits of Santander

  • Overpay your loan at no extra charge
  • Apply quickly online
  • Get a decision in 24 hours

At Santander you will get an affordable home loan that suits your lifestyle

Before you apply for a home loan you need to get a decision in principle first.

This will firstly tell you if they can lend you the home loan amount that you need. A decision in principle provides a free instant decision with no effect on your credit score and is valid for 60 days.

This is what you will need to apply for your home loan: 

  • Your last three years address history with no gaps.
  • Your proof of income.
  • Your proof of current address.
  • All your expenses including current loans and credit cards.
  • All current insurance policies.
  • Your bank statements.

Step one:

When you start the home loan application process your Mortgage Relationship Manager will help you to complete the first step of your application.

Step two:

You will be asked for your supporting documentation as listed in the bulleted section above. These documents will have to be uploaded to their Secure Mortgage Application Tracking page. You will be sent a link to this page via email.

Your Mortgage Relationship Manager will then complete the affordability and credit check. At this time they will also review all uploaded documentation. This may take up to 4 working days. You will then be contacted to make arrangements for an appointment.

Step three:

Your appointment will take about an hour to complete where they will be finding out what your needs are to give you the best advice possible. After this meeting, all your paperwork will be sent to you by post.

Step four:

Santander's underwriters will review your application. Your home loan advisor will be able to give you a time frame in this regard. After your application is complete your property will get valued. You will then receive your contract to sign and you are just about ready to move into your new home. 

When it comes to taking that important step to buying your first home, you need to make sure you have a good team on your side. Santander offers more than just a home loan. They become family.

Benefits of a home loan from Santander  

  • They are a trusted and reliable home loans
  • You can overpay your home loan at no extra charge.
  • A smooth application process.
  • They offer low home loan
  • The very best customer service throughout your home loan
  • Get proper advice from experts in the property industry.
man holding thumbs up

Santander is a trusted & reliable provider of home loans

In our review, Santander adheres to the compliance criteria in accordance with the Consumer Credit Act, where the granting the loan will not cause financial distress to the consumer.

✅ Santander is a registered credit provider in UK: FCA number 106054

Customer Reviews & Testimonials

March 2021

We obtained a home loan from Santander and we would like to thank their team for making our first home loan so easy and convenient. They went the extra mile for us and we will recommend them to a...

Jones O
— Bristol —

September 2021

Buying our first home with a home loan from Santander was the best decision we could make. They were there through the whole process and they explained everything clearly. We are buying our secon...

Wilson A
— Liverpool —

October 2021

We were so nervous about taking that step in buying our first home. A friend referred us to Santander for the home loan we needed. Much to our surprise, there was nothing to be nervous about. The...

Johnson N
— London —

Santander Contact

Contact Number

E-Mail

  • not available

Website

Physical Address

Opening Hours

  • Monday 09:00 – 16:30
  • Tuesday 09:00 – 16:30
  • Wednesday 09:00 – 16:30
  • Thursday 09:00 – 16:30
  • Friday 09:00 – 16:30
  • Saturday – Closed
  • Sunday – Closed