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Santander Mortgages Product Transfer

Santander - Existing Customer Rates 60% LTV

  • All
  • 1 Year
  • 2 Years
  • 3 years
  • 5 years
  • 7 Years
Type Rate Until Product Fee  
2 years Fixed 3.87% 02 Feb 28 £999 Apply
3 years Fixed 3.96% 02 Feb 29 £999 Apply
5 years Fixed 3.98% 02 Feb 31 £999 Apply
5 years Fixed 4.13% 02 Feb 31 0 Apply
2 years Fixed 4.20% 02 Feb 28 0 Apply
7 years Fixed 4.20% 02 Feb 33 0 Apply
2 years Tracker 4.20% 2 Years £999 Apply
1 year Fixed 4.25% 02 Feb 27 £499 Apply
3 years Fixed 4.28% 02 Feb 29 0 Apply

Santander - Existing Customer Rates 60% LTV at October 22, 2025

to get your mortgage rate options

call us now on 0208 979 9684
Type Rate Until Product Fee  
1 year Fixed 4.25% 02 Feb 27 £499 Apply

Santander - Existing Customer Rates 60% LTV at October 22, 2025

to get your mortgage rate options

call us now on 0208 979 9684
Type Rate Until Product Fee  
2 years Fixed 3.87% 02 Feb 28 £999 Apply
2 years Fixed 4.20% 02 Feb 28 0 Apply
2 years Tracker 4.20% 2 Years £999 Apply

Santander - Existing Customer Rates 60% LTV at October 22, 2025

to get your mortgage rate options

call us now on 0208 979 9684
Type Rate Until Product Fee  
3 years Fixed 3.96% 02 Feb 29 £999 Apply
3 years Fixed 4.28% 02 Feb 29 0 Apply

Santander - Existing Customer Rates 60% LTV at October 22, 2025

to get your mortgage rate options

call us now on 0208 979 9684
Type Rate Until Product Fee  
5 years Fixed 3.98% 02 Feb 31 £999 Apply
5 years Fixed 4.13% 02 Feb 31 0 Apply

Santander - Existing Customer Rates 60% LTV at October 22, 2025

to get your mortgage rate options

call us now on 0208 979 9684
Type Rate Until Product Fee  
7 years Fixed 4.20% 02 Feb 33 0 Apply

Santander - Existing Customer Rates 60% LTV at October 22, 2025

to get your mortgage rate options

call us now on 0208 979 9684

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 3.87% 02 Feb 28 £999 Apply
3 years Fixed 3.96% 02 Feb 29 £999 Apply
5 years Fixed 3.98% 02 Feb 31 £999 Apply
2 years Fixed 4.00% 02 Feb 28 £999 Apply
5 years Fixed 4.02% 02 Feb 31 £999 Apply
3 years Fixed 4.06% 02 Feb 29 £999 Apply
5 years Fixed 4.13% 02 Feb 31 0 Apply
5 years Fixed 4.17% 02 Feb 31 0 Apply
2 years Tracker 4.20% 2 Years £999 Apply
2 years Fixed 4.20% 02 Feb 28 0 Apply
7 years Fixed 4.20% 02 Feb 33 0 Apply
1 year Fixed 4.25% 02 Feb 27 £499 Apply
3 years Fixed 4.28% 02 Feb 29 0 Apply
7 years Fixed 4.28% 02 Feb 33 0 Apply
2 years Tracker 4.32% 2 Years £999 Apply
2 years Fixed 4.36% 02 Feb 28 0 Apply
3 years Fixed 4.37% 02 Feb 29 0 Apply
1 year Fixed 4.43% 02 Feb 27 £499 Apply
Full Term Tracker 4.52% Full Term £999 Apply

Santander - Existing Customer Rates 75% LTV at October 22, 2025

to get your mortgage rate options

call us now on 0208 979 9684
Type Rate Until Product Fee  
1 year Fixed 4.25% 02 Feb 27 £499 Apply
1 year Fixed 4.43% 02 Feb 27 £499 Apply

Santander - Existing Customer Rates 75% LTV at October 22, 2025

to get your mortgage rate options

call us now on 0208 979 9684
Type Rate Until Product Fee  
2 years Fixed 3.87% 02 Feb 28 £999 Apply
2 years Fixed 4.00% 02 Feb 28 £999 Apply
2 years Fixed 4.20% 02 Feb 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 Feb 28 0 Apply

Santander - Existing Customer Rates 75% LTV at October 22, 2025

to get your mortgage rate options

call us now on 0208 979 9684
Type Rate Until Product Fee  
3 years Fixed 3.96% 02 Feb 29 £999 Apply
3 years Fixed 4.06% 02 Feb 29 £999 Apply
3 years Fixed 4.28% 02 Feb 29 0 Apply
3 years Fixed 4.37% 02 Feb 29 0 Apply

Santander - Existing Customer Rates 75% LTV at October 22, 2025

to get your mortgage rate options

call us now on 0208 979 9684
Type Rate Until Product Fee  
5 years Fixed 3.98% 02 Feb 31 £999 Apply
5 years Fixed 4.02% 02 Feb 31 £999 Apply
5 years Fixed 4.13% 02 Feb 31 0 Apply
5 years Fixed 4.17% 02 Feb 31 0 Apply

Santander - Existing Customer Rates 75% LTV at October 22, 2025

to get your mortgage rate options

call us now on 0208 979 9684
Type Rate Until Product Fee  
7 years Fixed 4.20% 02 Feb 33 0 Apply
7 years Fixed 4.28% 02 Feb 33 0 Apply

Santander - Existing Customer Rates 75% LTV at October 22, 2025

to get your mortgage rate options

call us now on 0208 979 9684
call us now on 0208 979 9684
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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.

call us now on 0208 979 9684

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.

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

Step1 year fixed2 year fixed2.5 year fixed3 year fixed5 year fixed7 year fixed
11%2%2%2%5%5%
21%1%2%5%5%
31%3%5%
43%3%
51%3%
63%
71%

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