Santander UK Mortgage

Santander UK provides mortgages from £25,000 to £5 million with fixed and tracker rates, terms up to 35 years, and LTV up to 95%. Winner of Best Online Mortgage Lender 2025-2026 at the Your Mortgage Awards.

Last checked on September 4, 2026. We may earn a commission when you click through.

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✓ Award-winning online application process ✓ Competitive rates across LTV bands ✓ Tomorrow's Homes Hub with trusted green installers
Representative APR Amount Term Type
4.19–6.29% £25k–£5M 60–420 mo mortgage
Best For

Tech-savvy borrowers who prefer a slick online process with competitive rates and green home improvement options.

Pros & Cons

Pros
  1. ✓ Award-winning online application process
  2. ✓ Competitive rates across LTV bands
  3. ✓ Tomorrow's Homes Hub with trusted green installers
  4. ✓ Easy additional borrowing on existing mortgage
  5. ✓ Strong online mortgage management tools
Cons
  1. ✗ Maximum term of 35 years vs 40 years at some competitors
  2. ✗ Phone support hours limited to weekday business hours
  3. ✗ Buy-to-let only available through brokers
  4. ✗ Some products have booking fees up to £999

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