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
Mortgage Santander UK Reviewed

Santander UK Mortgage

Updated 1 month ago

APR Range

4.19–6.29%

Amount

£25k–£5M

Term

60–420 months

Type

mortgage

Check eligibility →

You'll be redirected to santander.co.uk

Our Verdict

Santander has earned its Best Online Mortgage Lender award — the digital application is one of the smoothest in the market. Rates are consistently competitive, and their Tomorrow's Homes Hub for energy improvements is a genuine differentiator.

Best For

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

Pros

  • Award-winning online application process
  • Competitive rates across LTV bands
  • Tomorrow's Homes Hub with trusted green installers
  • Easy additional borrowing on existing mortgage
  • Strong online mortgage management tools

Cons

  • Maximum term of 35 years vs 40 years at some competitors
  • Phone support hours limited to weekday business hours
  • Buy-to-let only available through brokers
  • Some products have booking fees up to £999

About This Loan

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.

Requirements

  • 18+
  • UK resident
  • Proof of income
  • Minimum deposit 5%
  • Decision in Principle
  • Credit check

Check if you qualify

Check eligibility →

You'll be redirected to santander.co.uk

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