Santander - Existing Customer Rates 60% LTV
- All
- 1 Year
- 2 Years
- 3 years
- 5 years
- 7 Years
Type
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Rate
![]() |
Until
![]() |
Product Fee
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|
---|---|---|---|---|
2 years Fixed | 3.85% | 02 Jan 28 | £999 | Apply |
5 years Fixed | 3.93% | 02 Jan 31 | £999 | Apply |
3 years Fixed | 3.96% | 02 Jan 29 | £999 | Apply |
5 years Fixed | 4.09% | 02 Jan 31 | 0 | Apply |
2 years Fixed | 4.20% | 02 Jan 28 | 0 | Apply |
7 years Fixed | 4.20% | 02 Jan 33 | 0 | Apply |
2 years Tracker | 4.20% | 2 Years | £999 | Apply |
1 year Fixed | 4.25% | 02 Jan 27 | £499 | Apply |
3 years Fixed | 4.28% | 02 Jan 29 | 0 | Apply |
Santander - Existing Customer Rates 60% LTV at October 1, 2025
Type
![]() |
Rate
![]() |
Until
![]() |
Product Fee
![]() |
|
---|---|---|---|---|
1 year Fixed | 4.25% | 02 Jan 27 | £499 | Apply |
Santander - Existing Customer Rates 60% LTV at October 1, 2025
Type
![]() |
Rate
![]() |
Until
![]() |
Product Fee
![]() |
|
---|---|---|---|---|
2 years Fixed | 3.85% | 02 Jan 28 | £999 | Apply |
2 years Fixed | 4.20% | 02 Jan 28 | 0 | Apply |
2 years Tracker | 4.20% | 2 Years | £999 | Apply |
Santander - Existing Customer Rates 60% LTV at October 1, 2025
Type
![]() |
Rate
![]() |
Until
![]() |
Product Fee
![]() |
|
---|---|---|---|---|
3 years Fixed | 3.96% | 02 Jan 29 | £999 | Apply |
3 years Fixed | 4.28% | 02 Jan 29 | 0 | Apply |
Santander - Existing Customer Rates 60% LTV at October 1, 2025
Type
![]() |
Rate
![]() |
Until
![]() |
Product Fee
![]() |
|
---|---|---|---|---|
5 years Fixed | 3.93% | 02 Jan 31 | £999 | Apply |
5 years Fixed | 4.09% | 02 Jan 31 | 0 | Apply |
Santander - Existing Customer Rates 60% LTV at October 1, 2025
Type
![]() |
Rate
![]() |
Until
![]() |
Product Fee
![]() |
|
---|---|---|---|---|
7 years Fixed | 4.20% | 02 Jan 33 | 0 | Apply |
Santander - Existing Customer Rates 60% LTV at October 1, 2025
Please note: Santander do not have a uniform set of rates for product transfers. Each individual customer is now offered their own set of rates to choose from.
The rates shown are the lowest we have seen currently offered.
Call us on 0208 979 9684 or click here to obtain your personalised list of Santander product transfer rates
Santander - Existing Customer Rates 75% LTV
- All
- 1 Year
- 2 Years
- 3 years
- 5 years
- 7 Years
Type
![]() |
Rate
![]() |
Until
![]() |
Product Fee
![]() |
|
---|---|---|---|---|
2 years Fixed | 3.85% | 02 Jan 28 | £999 | Apply |
5 years Fixed | 3.93% | 02 Jan 31 | £999 | Apply |
3 years Fixed | 3.96% | 02 Jan 29 | £999 | Apply |
2 years Fixed | 3.98% | 02 Jan 28 | £999 | Apply |
5 years Fixed | 4.02% | 02 Jan 31 | £999 | Apply |
3 years Fixed | 4.06% | 02 Jan 29 | £999 | Apply |
5 years Fixed | 4.09% | 02 Jan 31 | 0 | Apply |
5 years Fixed | 4.15% | 02 Jan 31 | 0 | Apply |
2 years Tracker | 4.20% | 2 Years | £999 | Apply |
2 years Fixed | 4.20% | 02 Jan 28 | 0 | Apply |
7 years Fixed | 4.20% | 02 Jan 33 | 0 | Apply |
1 year Fixed | 4.25% | 02 Jan 27 | £499 | Apply |
3 years Fixed | 4.28% | 02 Jan 29 | 0 | Apply |
7 years Fixed | 4.28% | 02 Jan 33 | 0 | Apply |
2 years Tracker | 4.32% | 2 Years | £999 | Apply |
2 years Fixed | 4.36% | 02 Jan 28 | 0 | Apply |
3 years Fixed | 4.37% | 02 Jan 29 | 0 | Apply |
1 year Fixed | 4.43% | 02 Jan 27 | £499 | Apply |
Full Term Tracker | 4.52% | Full Term | £999 | Apply |
Santander - Existing Customer Rates 75% LTV at October 1, 2025
Type
![]() |
Rate
![]() |
Until
![]() |
Product Fee
![]() |
|
---|---|---|---|---|
1 year Fixed | 4.25% | 02 Jan 27 | £499 | Apply |
1 year Fixed | 4.43% | 02 Jan 27 | £499 | Apply |
Santander - Existing Customer Rates 75% LTV at October 1, 2025
Type
![]() |
Rate
![]() |
Until
![]() |
Product Fee
![]() |
|
---|---|---|---|---|
2 years Fixed | 3.85% | 02 Jan 28 | £999 | Apply |
2 years Fixed | 3.98% | 02 Jan 28 | £999 | Apply |
2 years Fixed | 4.20% | 02 Jan 28 | 0 | Apply |
2 years Tracker | 4.20% | 2 Years | £999 | Apply |
2 years Tracker | 4.32% | 2 Years | £999 | Apply |
2 years Fixed | 4.36% | 02 Jan 28 | 0 | Apply |
Santander - Existing Customer Rates 75% LTV at October 1, 2025
Type
![]() |
Rate
![]() |
Until
![]() |
Product Fee
![]() |
|
---|---|---|---|---|
3 years Fixed | 3.96% | 02 Jan 29 | £999 | Apply |
3 years Fixed | 4.06% | 02 Jan 29 | £999 | Apply |
3 years Fixed | 4.28% | 02 Jan 29 | 0 | Apply |
3 years Fixed | 4.37% | 02 Jan 29 | 0 | Apply |
Santander - Existing Customer Rates 75% LTV at October 1, 2025
Santander Tracker Rates Existing Mortgage Customers
Santander Tracker mortgage rates are designed to track the Bank of England base rate. This is of benefit if you are expecting the Bank Base Rate to fall in the near future. Any fall in Bank Base Rate will see a drop in your Santander mortgage interest charges by the same margin.
(Conversely, rises in Bank Base Rate will see an increase in your Santander Tracker Mortgage Rate)
Tracker rates will usually follow the Bank of England Base Rate with a small margin between the two.
For example – a 2 year tracker rate of plus 0.20% when Bank of England Rate is 4.25% will see a payable Tracker mortgage rate of 4.45%
Tracker rates can be short term – 2 years, or Long Term
Long Term Tracker mortgages are called Lifetime Trackers – a Lifetime Tracker mortgage rate will track the Bank of England Rate throughout the mortgage term
No early repayment charges on Santander Tracker Mortgage Rates
Santander Tracker mortgage rates for existing customers have no early repayment charges. This can be very useful if:
- You intend to pay off large chunks of your mortgage in the short term
- If you intend to sell your property short term and settle your mortgage
- If you are a Landlord and want to be able to sell your property if circumstances change without incurring early repayment charges
What rates are available for Santander Existing Mortgage Customers?
Santander Residential Existing Mortgage Customers
Rates available
- 1 year fixed rate
- 2 year fixed rate
- 3 year fixed rate
- 5 year fixed rate
- 7 year fixed rate
- 2 year tracker
- Lifetime Tracker
Santander Tracker Rates carry no early repayment charge
Santander Buy to Let Existing Mortgage Customers
Rates available
- 1 year fixed rate
- 2 year fixed rate
- 5 year fixed rate
- Lifetime Tracker
Santander Buy to Let Tracker Rates carry no early repayment charge
Get off of Santander Standard Variable Rate
Santander current Standard Variable Rate is 6.75%
This is an expensive rate to get stuck on.
If you are a Santander Existing Residential Mortgage Customer you could be on a rate 3% lower than the Santander Standard Variable Rate.
This would save you £250 per month for every £100,000 of borrowing.
If you are a Santander Existing Buy to Let Mortgage Customer you could be on a rate 2.75% lower than the Santander Standard Variable Rate.
This would save you £230 per month for every £100,000 of borrowing.
Santander existing mortgage customer – what is the process to switch my Santander mortgage Rate?
What we will need from you
- Your Mortgage account number this is shown on your mortgage statement or in the Mortgage area of online banking
- Your name
- Your contact details
- Your date of birth
- Mortgage property postcode
The process
- We will email you within one working day with a single sheet listing details of your current mortgage and all the mortgage rate options available to you with Santander going forward
- We can then answer any queries you may have and help you to decide on the best rate for your needs
- Once a decision has been made, we will generate a product transfer mortgage offer for you and Santander will send you a link via email to review and accept your offer (within 14 days)
What about costs?
Broker Fees
We do not charge any broker fees for handling Santander product switches
Lender Fees
Santander does charge product fees on some mortgage product options. Where a product fee is charged it will be in your interest to cover the fee in order to access a mortgage product with a lower interest rate saving your money overall.
Residential product fees with Santander are typically £499 or £999, these may be paid upfront or added to your loan. You will always have no fee options available on Santander mortgage product transfer.
Buy-to-Let product fees with Santander are typically £749 or £1,749, these may be paid upfront or added to your loan. You will always have no fee options available on Santander buy-to-let mortgage product transfer.
When will my new Santander mortgage deal start?
If you are currently on the Santander standard variable rate (SVR) or a lifetime tracker deal, you will be switched to your newly selected Santander rate immediately.
If the early redemption penalty on your current rate has not yet expired, timescales will depend on your personal circumstances.
If your new Santander mortgage deal has a rate equivalent to, or lower your current rate, the early redemption penalty on your current rate will be waived, and your new rate will start without delay.
If your new product transfer rate is higher than your current rate, the new rate will be held to take effect when your current rate ends.
Can I cancel a Santander Product Transfer Mortgage Offer?
You can cancel a Santander Product Transfer Mortgage Offer up to 14 days before the new rate is due to start.
This is especially useful if you have secured a rate early in your rate switch window and find a lower rate has since been issued.
Santander BTL Product Transfer Rates
Santander BTL Product Transfer switches are handled in the same way as residential product switches.
What if I have consent to let my property?
If Santander have given you consent to let your property you cannot switch your mortgage using the residential product transfer options. In these circumstances the rates available to you will be those from the buy to let product transfer range.
In these circumstances you should call Santander
Santander Early Repayment Charges
Step | 1 year fixed | 2 year fixed | 2.5 year fixed | 3 year fixed | 5 year fixed | 7 year fixed |
1 | 1% | 2% | 2% | 2% | 5% | 5% |
2 | 1% | 1% | 2% | 5% | 5% | |
3 | 1% | 3% | 5% | |||
4 | 3% | 3% | ||||
5 | 1% | 3% | ||||
6 | 3% | |||||
7 | 1% |
When we cannot help
We cannot help Santander borrowers where:
- The mortgage has less than 2 years 6 months to run
- The mortgage has been in arrears in the past 12 months
- The mortgage was formally an Alliance and Leicester account
- The mortgage is a Santander flexible offset arrangement
- You wish to change your Santander mortgage term
- You wish to borrow more or make an overpayment
- You wish to change to an interest only type mortgage
What about re-mortgaging to another Lender?
We have access to the whole of the UK market and can look to place you with a new Lender if required.
Re-mortgaging to a new Lender may be beneficial if Santander rates are not competitive (they typically are).
A re-mortgage will involve credit searches, proof of income, valuation, legal work.
Mortgage Product Transfer with another Lender? – click below
- Accord Mortgages rates for existing Customers
- Aldermore Mortgages Loyalty Rates
- Barclays mortgage rates for existing customers
- Bluestone mortgage rates for existing customers
- BM Solutions Product Transfer rates
- Co Op Platform mortgages rates for existing customers
- Coventry Building Society new mortgage deals
- Godiva Mortgages Product Transfers
- Halifax Product Transfers
- HSBC Mortgage Customer Switching Rates
- Kensington Mortgages Product Transfers
- Kent Reliance Mortgage Product Transfer rates
- Leeds Building Society Product Transfer rates
- NatWest Mortgage switch deals
- Nationwide existing customers rate switch
- Newcastle BS existing customers rate switch
- Paragon Bank Mortgage Product Switch Service
- Pepper Money mortgages rates for existing customers
- Precise Product Transfers
- Scottish Widows Bank Mortgage Product Transfer rates
- Skipton Mortgage Customer Switching Products
- The Mortgage Lender mortgage rates for existing customers
- The Mortgage Works | mortgage product switches for existing TMW buy to let borrowers
- Vida Homeloans mortgage rates for existing customers
- Virgin Money Mortgage Deals Existing Customers