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Santander UK Plc

Santander mortgages include products for first time buyers, existing customers, home movers and customers wishing to move their mortgage to Santander from another provider.

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years
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Fixed until 02/01/2019
Initial rate
1.34%then 4.49% (variable)
Fees
£1,805fees
Overall cost
4.0%APRC
Monthly cost
£627.94 for 24 months then £867.13 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 02/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,204 includes: Loan amount (£160,000); Interest (£94,399); Application fee (£995); Valuation fee (£365); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 02/01/2019
Initial rate
1.34%then 4.49% (variable)
Fees
£1,535fees
Overall cost
4.0%APRC
Monthly cost
£627.94 for 24 months then £867.13 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 02/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £255,934 includes: Loan amount (£160,000); Interest (£94,399); Application fee (£995); Valuation fee (£95); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 02/01/2019
Initial rate
1.34%then 4.49% (variable)
Fees
£1,805fees
Overall cost
4.0%APRC
Monthly cost
£627.94 for 24 months then £867.13 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 02/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,204 includes: Loan amount (£160,000); Interest (£94,399); Application fee (£995); Valuation fee (£365); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 02/01/2019
Initial rate
1.34%then 4.49% (variable)
Fees
£1,535fees
Overall cost
4.0%APRC
Monthly cost
£627.94 for 24 months then £867.13 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 02/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £255,934 includes: Loan amount (£160,000); Interest (£94,399); Application fee (£995); Valuation fee (£95); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 02/01/2019
Initial rate
1.39%then 4.49% (variable)
Fees
£1,535fees
Overall cost
4.0%APRC
Monthly cost
£631.66 for 24 months then £867.52 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 02/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,130 includes: Loan amount (£160,000); Interest (£94,595); Application fee (£995); Valuation fee (£95); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 02/01/2019
Initial rate
1.39%then 4.49% (variable)
Fees
£1,805fees
Overall cost
4.0%APRC
Monthly cost
£631.66 for 24 months then £867.52 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 02/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,400 includes: Loan amount (£160,000); Interest (£94,595); Application fee (£995); Valuation fee (£365); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 02/01/2019
Initial rate
1.39%then 4.49% (variable)
Fees
£1,535fees
Overall cost
4.0%APRC
Monthly cost
£631.66 for 24 months then £867.52 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 02/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,130 includes: Loan amount (£160,000); Interest (£94,595); Application fee (£995); Valuation fee (£95); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 02/01/2019
Initial rate
1.39%then 4.49% (variable)
Fees
£1,805fees
Overall cost
4.0%APRC
Monthly cost
£631.66 for 24 months then £867.52 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 02/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,400 includes: Loan amount (£160,000); Interest (£94,595); Application fee (£995); Valuation fee (£365); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 02/01/2019
Initial rate
1.39%then 4.49% (variable)
Fees
£1,535fees
Overall cost
4.0%APRC
Monthly cost
£631.66 for 24 months then £867.52 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 90% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 02/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,130 includes: Loan amount (£160,000); Interest (£94,595); Application fee (£995); Valuation fee (£95); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 27/09/2018
Initial rate
1.44%then 4.49% (variable)
Fees
£1,535fees
Overall cost
4.0%APRC
Monthly cost
£635.40 for 24 months then £867.90 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 27/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,326 includes: Loan amount (£160,000); Interest (£94,791); Application fee (£995); Valuation fee (£95); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 27/09/2018
Initial rate
1.44%then 4.49% (variable)
Fees
£1,805fees
Overall cost
4.0%APRC
Monthly cost
£635.40 for 24 months then £867.90 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 27/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,596 includes: Loan amount (£160,000); Interest (£94,791); Application fee (£995); Valuation fee (£365); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 27/09/2018
Initial rate
1.44%then 4.49% (variable)
Fees
£1,805fees
Overall cost
4.0%APRC
Monthly cost
£635.40 for 24 months then £867.90 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 27/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,596 includes: Loan amount (£160,000); Interest (£94,791); Application fee (£995); Valuation fee (£365); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 27/09/2018
Initial rate
1.44%then 4.49% (variable)
Fees
£1,535fees
Overall cost
4.0%APRC
Monthly cost
£635.40 for 24 months then £867.90 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 60% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 27/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,326 includes: Loan amount (£160,000); Interest (£94,791); Application fee (£995); Valuation fee (£95); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 02/01/2019
Initial rate
1.49%then 4.49% (variable)
Fees
£1,805fees
Overall cost
4.0%APRC
Monthly cost
£639.15 for 24 months then £868.29 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 02/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,791 includes: Loan amount (£160,000); Interest (£94,987); Application fee (£995); Valuation fee (£365); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 02/01/2019
Initial rate
1.49%then 4.49% (variable)
Fees
£1,535fees
Overall cost
4.0%APRC
Monthly cost
£639.15 for 24 months then £868.29 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 02/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,521 includes: Loan amount (£160,000); Interest (£94,987); Application fee (£995); Valuation fee (£95); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 02/01/2019
Initial rate
1.49%then 4.49% (variable)
Fees
£1,805fees
Overall cost
4.0%APRC
Monthly cost
£639.15 for 24 months then £868.29 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 02/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,791 includes: Loan amount (£160,000); Interest (£94,987); Application fee (£995); Valuation fee (£365); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed until 02/01/2019
Initial rate
1.49%then 4.49% (variable)
Fees
£1,535fees
Overall cost
4.0%APRC
Monthly cost
£639.15 for 24 months then £868.29 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 02/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,521 includes: Loan amount (£160,000); Interest (£94,987); Application fee (£995); Valuation fee (£95); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 27/09/2018
Initial rate
1.54%then 4.49% (variable)
Fees
£1,805fees
Overall cost
4.1%APRC
Monthly cost
£642.91 for 24 months then £868.67 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 27/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,987 includes: Loan amount (£160,000); Interest (£95,182); Application fee (£995); Valuation fee (£365); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 27/09/2018
Initial rate
1.54%then 4.49% (variable)
Fees
£1,535fees
Overall cost
4.1%APRC
Monthly cost
£642.91 for 24 months then £868.67 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: Scotland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 27/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,717 includes: Loan amount (£160,000); Interest (£95,182); Application fee (£995); Valuation fee (£95); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker until 27/09/2018
Initial rate
1.54%then 4.49% (variable)
Fees
£1,805fees
Overall cost
4.1%APRC
Monthly cost
£642.91 for 24 months then £868.67 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Wales, Northern Ireland
  • Aged 18 or older
  • 75 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Available for shared ownership
  • Up to 75% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 27/09/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £256,987 includes: Loan amount (£160,000); Interest (£95,182); Application fee (£995); Valuation fee (£365); Legal fee (£185); Funds transfer fee (£35); Mortgage discharge fee (£225); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Santander UK Plc

<div>Santander UK is part of the Spanish owned Santander Group. The bank is one of the biggest providers of mortgages in the UK, but it started life as three constituent building societies: Abbey National, Bradford & Bingley, and Alliance & Leicester. 

</div><div>Santander purchased all three societies between 2004 and 2008. To begin with the Abbey name was retained, but over time it has been replaced by the Santander brand. 

</div><div>As a result of the mergers, Santander has multiple branches in some towns and cities and today there are more than a thousand Santander branches across the UK.

</div><div>Santander offers a range of financial services to personal, business, corporate and commercial clients. For personal customers, the bank’s products include current accounts, credit cards, insurance, loans, savings, ISAs and mortgages.</div><div>For first time buyers, Santander offers Help”>https://www.uswitch.com/mortgages/guides/help-to-buy/”>Help to Buy mortgages to give customers a helping hand on to the mortgage ladder. 

</div><div>Santander also provides Help to Buy mortgages for members of Her Majesty’s Armed Forces. There are also Santander mortgages designed to suit NewBuy and Shared”>https://www.uswitch.com/mortgages/guides/shared-ownership/”>Shared Ownership schemes for first”>https://www.uswitch.com/mortgages/guides/first-time-buyers/”>first time buyers.

</div><div>Customers moving home have plenty of Santander mortgages to choose from. They can select a mortgage deal that best suits their needs and take advantage of a Santander benefits package that includes free valuations and cashback deals.

</div><div>Existing Santander customers can make changes to their current mortgage, move to a new mortgage deal, or borrow extra funds to pay for major purchases or make home improvements. 

</div><div>Customers can check out the latest deals online and speak to a mortgage advisor over the telephone to find out which deals they are eligible for.</div><div>
</div>

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