Mortgage rates
Santander mortgage rates today Updated every night.
164 Santander deals for buying a home, from 4.08%. Each one set beside the lowest from the 10 other lenders we read, with what it costs a month for your deposit. No broker, no commission.
- Lowest rate
- 4.08%
- Deals for buying a home
- 164
- Loan to value
- 60% to 95%
- Read from its site
- 12 Nov 2026
Santander 2 year fixed mortgage rates
Santander’s lowest 2-year fix at each loan to value, beside the lowest from the 10 other lenders here.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 4.98% | 2 year fixed rate£1,499 fee · home movers only | 4.87%NatWest |
| 75% LTV25% deposit | 5.10% | 2 year fixed rate£1,499 fee · home movers only | 5.00%Yorkshire Building Society |
| 85% LTV15% deposit | 5.17% | 2 year fixed rate£1,499 fee · home movers only | 5.10%Yorkshire Building Society |
| 90% LTV10% deposit | 5.23% | 2 year fixed rate£1,499 fee · home movers only | The lowest here |
| 95% LTV5% deposit | 5.70% | 2 year fixed rateno fee · home movers only | 5.52%Leeds Building Society |
Santander 3 year fixed mortgage rates
Santander’s lowest 3-year fix at each loan to value, beside the lowest from the 10 other lenders here.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 5.05% | 3 year fixed rate£999 fee · home movers only | 4.94%Nationwide Building Society |
| 75% LTV25% deposit | 5.14% | 3 year fixed rate£999 fee · home movers only | 5.05%Nationwide Building Society |
| 85% LTV15% deposit | 5.23% | 3 year fixed rate£999 fee · home movers only | 5.12%Nationwide Building Society |
| 90% LTV10% deposit | 5.28% | 3 year fixed rate£999 fee · home movers only | 5.25%Nationwide Building Society |
| 95% LTV5% deposit | 5.68% | 3 year fixed rateno fee · home movers only | 5.56%Barclays |
Santander 5 year fixed mortgage rates
Santander’s lowest 5-year fix at each loan to value, beside the lowest from the 10 other lenders here.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 4.96% | 5 year fixed rate£1,499 fee · home movers only | 4.82%Barclays |
| 75% LTV25% deposit | 5.10% | 5 year fixed rate£1,499 fee · home movers only | 4.88%Barclays |
| 85% LTV15% deposit | 5.18% | 5 year fixed rate£1,499 fee · home movers only | 5.00%Barclays |
| 90% LTV10% deposit | 5.23% | 5 year fixed rate£1,499 fee · home movers only | 5.00%Barclays |
| 95% LTV5% deposit | 5.65% | 5 year fixed rateno fee · home movers only | 5.58%Skipton Building Society |
Santander 10 year fixed mortgage rates
Santander’s lowest 10-year fix at each loan to value, beside the lowest from the 10 other lenders here.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 5.29% | 10 year fixed rate New Build Exclusive£999 fee · home movers only | The lowest here |
| 75% LTV25% deposit | 5.34% | 10 year fixed rate New Build Exclusive£999 fee · home movers only | The lowest here |
Santander tracker mortgage rates
Santander’s lowest tracker at each loan to value, beside the lowest from the 10 other lenders here. A tracker moves with Bank Rate; each rate is Santander’s own, already at today’s Bank Rate.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 4.08% | 2 year tracker rate New Build Exclusive£999 fee · home movers only | The lowest here |
| 75% LTV25% deposit | 4.20% | 2 year tracker rate large loan£1,999 fee · home movers only | The lowest here |
| 85% LTV15% deposit | 4.30% | 2 year tracker rate£1,999 fee · home movers only | The lowest here |
| 90% LTV10% deposit | 4.95% | 2 year tracker rate New Build Exclusiveno fee · home movers only | 4.91%Nationwide Building Society |
Santander mortgage rate changes
Santander has not changed the rates it publishes for buying a home since NewHomeSearch began reading its rates on 8 November 2026. A change shows here the morning after Santander makes it, beside every other lender’s on the mortgage rate news page.
Santander mortgage calculator: what you would pay
The monthly repayment on a £300,000 home over 30 years at Santander’s lowest 2-year fixed rate for each deposit. Your own price, deposit and term are worked out in the comparison, with fees and the rate after the deal.
| Deposit | Loan | Rate | Monthly payment |
|---|---|---|---|
| 5% deposit£15,000 | £285,000 | 5.70%Santander | £1,654 |
| 10% deposit£30,000 | £270,000 | 5.23%Santander | £1,488 |
| 15% deposit£45,000 | £255,000 | 5.17%Santander | £1,396 |
| 25% deposit£75,000 | £225,000 | 5.10%Santander | £1,222 |
| 40% deposit£120,000 | £180,000 | 4.98%Santander | £964 |
Every Santander mortgage deal
All 164 deals Santander publishes for buying a home, as its own site showed them on 12 November 2026, by length of deal and loan to value.
Show all 164 deals
| Deal | Up to | Rate | Then | Fee |
|---|---|---|---|---|
| Santander2 year fixed rate · £1,499 fee · home movers only | 60% LTV | 4.98%2-year fixed | 6.50% | £1,499 |
| Santander2 year fixed rate New Build Exclusive · £1,499 fee · home movers only | 60% LTV | 4.98%2-year fixed | 6.50% | £1,499 |
| Santander2 year fixed rate · £999 fee · home movers only | 60% LTV | 5.05%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate New Build Exclusive · £999 fee · home movers only | 60% LTV | 5.05%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate · £999 fee · first-time buyers only | 60% LTV | 5.11%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate New Build Exclusive · £999 fee · first-time buyers only | 60% LTV | 5.11%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate large loan · £1,999 fee · home movers only | 60% LTV | 5.17%2-year fixed | 6.50% | £1,999 |
| Santander2 year fixed rate · no fee · home movers only | 60% LTV | 5.30%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate New Build Exclusive · no fee · home movers only | 60% LTV | 5.30%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate · no fee · first-time buyers only | 60% LTV | 5.36%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate New Build Exclusive · no fee · first-time buyers only | 60% LTV | 5.36%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate · £1,499 fee · home movers only | 75% LTV | 5.10%2-year fixed | 6.50% | £1,499 |
| Santander2 year fixed rate New Build Exclusive · £1,499 fee · home movers only | 75% LTV | 5.10%2-year fixed | 6.50% | £1,499 |
| Santander2 year fixed rate · £999 fee · home movers only | 75% LTV | 5.17%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate New Build Exclusive · £999 fee · home movers only | 75% LTV | 5.17%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate · £999 fee · first-time buyers only | 75% LTV | 5.27%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate New Build Exclusive · £999 fee · first-time buyers only | 75% LTV | 5.27%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate large loan · £1,999 fee · home movers only | 75% LTV | 5.29%2-year fixed | 6.50% | £1,999 |
| Santander2 year fixed rate · no fee · home movers only | 75% LTV | 5.42%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate New Build Exclusive · no fee · home movers only | 75% LTV | 5.42%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate · no fee · first-time buyers only | 75% LTV | 5.52%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate New Build Exclusive · no fee · first-time buyers only | 75% LTV | 5.52%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate · £1,499 fee · home movers only | 85% LTV | 5.17%2-year fixed | 6.50% | £1,499 |
| Santander2 year fixed rate New Build Exclusive · £1,499 fee · home movers only | 85% LTV | 5.17%2-year fixed | 6.50% | £1,499 |
| Santander2 year fixed rate · £999 fee · home movers only | 85% LTV | 5.24%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate New Build Exclusive · £999 fee · home movers only | 85% LTV | 5.24%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate · £999 fee · first-time buyers only | 85% LTV | 5.33%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate New Build Exclusive · £999 fee · first-time buyers only | 85% LTV | 5.33%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate · no fee · home movers only | 85% LTV | 5.49%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate New Build Exclusive · no fee · home movers only | 85% LTV | 5.49%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate · no fee · first-time buyers only | 85% LTV | 5.58%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate New Build Exclusive · no fee · first-time buyers only | 85% LTV | 5.58%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate · £1,499 fee · home movers only | 90% LTV | 5.23%2-year fixed | 6.50% | £1,499 |
| Santander2 year fixed rate New Build Exclusive · £1,499 fee · home movers only | 90% LTV | 5.23%2-year fixed | 6.50% | £1,499 |
| Santander2 year fixed rate · £999 fee · home movers only | 90% LTV | 5.30%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate New Build Exclusive · £999 fee · home movers only | 90% LTV | 5.30%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate · £999 fee · first-time buyers only | 90% LTV | 5.36%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate New Build Exclusive · £999 fee · first-time buyers only | 90% LTV | 5.36%2-year fixed | 6.50% | £999 |
| Santander2 year fixed rate · no fee · home movers only | 90% LTV | 5.55%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate New Build Exclusive · no fee · home movers only | 90% LTV | 5.55%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate · no fee · first-time buyers only | 90% LTV | 5.61%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate New Build Exclusive · no fee · first-time buyers only | 90% LTV | 5.61%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate · no fee · home movers only | 95% LTV | 5.70%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate New Build Exclusive · no fee · home movers only | 95% LTV | 5.70%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate · no fee · first-time buyers only | 95% LTV | 5.71%2-year fixed | 6.50% | No fee |
| Santander2 year fixed rate New Build Exclusive · no fee · first-time buyers only | 95% LTV | 5.71%2-year fixed | 6.50% | No fee |
| Santander3 year fixed rate · £999 fee · home movers only | 60% LTV | 5.05%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate New Build Exclusive · £999 fee · home movers only | 60% LTV | 5.05%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate · £999 fee · first-time buyers only | 60% LTV | 5.13%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate New Build Exclusive · £999 fee · first-time buyers only | 60% LTV | 5.13%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate · no fee · home movers only | 60% LTV | 5.25%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate New Build Exclusive · no fee · home movers only | 60% LTV | 5.25%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate · no fee · first-time buyers only | 60% LTV | 5.33%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate New Build Exclusive · no fee · first-time buyers only | 60% LTV | 5.33%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate · £999 fee · home movers only | 75% LTV | 5.14%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate New Build Exclusive · £999 fee · home movers only | 75% LTV | 5.14%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate · £999 fee · first-time buyers only | 75% LTV | 5.26%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate New Build Exclusive · £999 fee · first-time buyers only | 75% LTV | 5.26%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate · no fee · home movers only | 75% LTV | 5.34%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate New Build Exclusive · no fee · home movers only | 75% LTV | 5.34%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate · no fee · first-time buyers only | 75% LTV | 5.46%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate New Build Exclusive · no fee · first-time buyers only | 75% LTV | 5.46%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate · £999 fee · home movers only | 85% LTV | 5.23%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate New Build Exclusive · £999 fee · home movers only | 85% LTV | 5.23%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate · £999 fee · first-time buyers only | 85% LTV | 5.30%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate New Build Exclusive · £999 fee · first-time buyers only | 85% LTV | 5.30%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate · no fee · home movers only | 85% LTV | 5.43%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate New Build Exclusive · no fee · home movers only | 85% LTV | 5.43%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate · no fee · first-time buyers only | 85% LTV | 5.50%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate New Build Exclusive · no fee · first-time buyers only | 85% LTV | 5.50%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate · £999 fee · home movers only | 90% LTV | 5.28%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate New Build Exclusive · £999 fee · home movers only | 90% LTV | 5.28%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate · £999 fee · first-time buyers only | 90% LTV | 5.42%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate New Build Exclusive · £999 fee · first-time buyers only | 90% LTV | 5.42%3-year fixed | 6.50% | £999 |
| Santander3 year fixed rate · no fee · home movers only | 90% LTV | 5.48%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate New Build Exclusive · no fee · home movers only | 90% LTV | 5.48%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate · no fee · first-time buyers only | 90% LTV | 5.62%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate New Build Exclusive · no fee · first-time buyers only | 90% LTV | 5.62%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate · no fee · home movers only | 95% LTV | 5.68%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate New Build Exclusive · no fee · home movers only | 95% LTV | 5.68%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate · no fee · first-time buyers only | 95% LTV | 5.70%3-year fixed | 6.50% | No fee |
| Santander3 year fixed rate New Build Exclusive · no fee · first-time buyers only | 95% LTV | 5.70%3-year fixed | 6.50% | No fee |
| Santander5 year fixed rate · £1,499 fee · home movers only | 60% LTV | 4.96%5-year fixed | 6.50% | £1,499 |
| Santander5 year fixed rate New Build Exclusive · £1,499 fee · home movers only | 60% LTV | 4.96%5-year fixed | 6.50% | £1,499 |
| Santander5 year fixed rate · £999 fee · home movers only | 60% LTV | 4.99%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate New Build Exclusive · £999 fee · home movers only | 60% LTV | 4.99%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate large loan · £1,999 fee · home movers only | 60% LTV | 5.05%5-year fixed | 6.50% | £1,999 |
| Santander5 year fixed rate · £999 fee · first-time buyers only | 60% LTV | 5.07%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate New Build Exclusive · £999 fee · first-time buyers only | 60% LTV | 5.07%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate · no fee · home movers only | 60% LTV | 5.11%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate New Build Exclusive · no fee · home movers only | 60% LTV | 5.11%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate · no fee · first-time buyers only | 60% LTV | 5.19%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate New Build Exclusive · no fee · first-time buyers only | 60% LTV | 5.19%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate · £1,499 fee · home movers only | 75% LTV | 5.10%5-year fixed | 6.50% | £1,499 |
| Santander5 year fixed rate New Build Exclusive · £1,499 fee · home movers only | 75% LTV | 5.10%5-year fixed | 6.50% | £1,499 |
| Santander5 year fixed rate · £999 fee · home movers only | 75% LTV | 5.13%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate New Build Exclusive · £999 fee · home movers only | 75% LTV | 5.13%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate large loan · £1,999 fee · home movers only | 75% LTV | 5.17%5-year fixed | 6.50% | £1,999 |
| Santander5 year fixed rate · £999 fee · first-time buyers only | 75% LTV | 5.20%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate New Build Exclusive · £999 fee · first-time buyers only | 75% LTV | 5.20%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate · no fee · home movers only | 75% LTV | 5.25%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate New Build Exclusive · no fee · home movers only | 75% LTV | 5.25%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate · no fee · first-time buyers only | 75% LTV | 5.32%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate New Build Exclusive · no fee · first-time buyers only | 75% LTV | 5.32%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate · £1,499 fee · home movers only | 85% LTV | 5.18%5-year fixed | 6.50% | £1,499 |
| Santander5 year fixed rate New Build Exclusive · £1,499 fee · home movers only | 85% LTV | 5.18%5-year fixed | 6.50% | £1,499 |
| Santander5 year fixed rate · £999 fee · home movers only | 85% LTV | 5.21%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate New Build Exclusive · £999 fee · home movers only | 85% LTV | 5.21%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate · £999 fee · first-time buyers only | 85% LTV | 5.25%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate New Build Exclusive · £999 fee · first-time buyers only | 85% LTV | 5.25%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate · no fee · home movers only | 85% LTV | 5.33%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate New Build Exclusive · no fee · home movers only | 85% LTV | 5.33%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate · no fee · first-time buyers only | 85% LTV | 5.37%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate New Build Exclusive · no fee · first-time buyers only | 85% LTV | 5.37%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate · £1,499 fee · home movers only | 90% LTV | 5.23%5-year fixed | 6.50% | £1,499 |
| Santander5 year fixed rate New Build Exclusive · £1,499 fee · home movers only | 90% LTV | 5.23%5-year fixed | 6.50% | £1,499 |
| Santander5 year fixed rate · £999 fee · home movers only | 90% LTV | 5.26%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate New Build Exclusive · £999 fee · home movers only | 90% LTV | 5.26%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate · £999 fee · first-time buyers only | 90% LTV | 5.30%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate New Build Exclusive · £999 fee · first-time buyers only | 90% LTV | 5.30%5-year fixed | 6.50% | £999 |
| Santander5 year fixed rate · no fee · home movers only | 90% LTV | 5.38%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate New Build Exclusive · no fee · home movers only | 90% LTV | 5.38%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate · no fee · first-time buyers only | 90% LTV | 5.42%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate New Build Exclusive · no fee · first-time buyers only | 90% LTV | 5.42%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate · no fee · home movers only | 95% LTV | 5.65%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate New Build Exclusive · no fee · home movers only | 95% LTV | 5.65%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate · no fee · first-time buyers only | 95% LTV | 5.67%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate New Build Exclusive · no fee · first-time buyers only | 95% LTV | 5.67%5-year fixed | 6.50% | No fee |
| Santander5 year fixed rate My First Mortgage FTB Excl · no fee · first-time buyers only | 98% LTV | 5.89%5-year fixed | 6.50% | No fee |
| Santander10 year fixed rate New Build Exclusive · £999 fee · home movers only | 60% LTV | 5.29%10-year fixed | 6.50% | £999 |
| Santander10 year fixed rate New Build Exclusive · £999 fee · first-time buyers only | 60% LTV | 5.29%10-year fixed | 6.50% | £999 |
| Santander10 year fixed rate · £999 fee · home movers only | 60% LTV | 5.29%10-year fixed | 6.50% | £999 |
| Santander10 year fixed rate · £999 fee · first-time buyers only | 60% LTV | 5.29%10-year fixed | 6.50% | £999 |
| Santander10 year fixed rate New Build Exclusive · no fee · home movers only | 60% LTV | 5.39%10-year fixed | 6.50% | No fee |
| Santander10 year fixed rate New Build Exclusive · no fee · first-time buyers only | 60% LTV | 5.39%10-year fixed | 6.50% | No fee |
| Santander10 year fixed rate · no fee · home movers only | 60% LTV | 5.39%10-year fixed | 6.50% | No fee |
| Santander10 year fixed rate · no fee · first-time buyers only | 60% LTV | 5.39%10-year fixed | 6.50% | No fee |
| Santander10 year fixed rate New Build Exclusive · £999 fee · home movers only | 75% LTV | 5.34%10-year fixed | 6.50% | £999 |
| Santander10 year fixed rate New Build Exclusive · £999 fee · first-time buyers only | 75% LTV | 5.34%10-year fixed | 6.50% | £999 |
| Santander10 year fixed rate · £999 fee · home movers only | 75% LTV | 5.34%10-year fixed | 6.50% | £999 |
| Santander10 year fixed rate · £999 fee · first-time buyers only | 75% LTV | 5.34%10-year fixed | 6.50% | £999 |
| Santander10 year fixed rate New Build Exclusive · no fee · home movers only | 75% LTV | 5.44%10-year fixed | 6.50% | No fee |
| Santander10 year fixed rate New Build Exclusive · no fee · first-time buyers only | 75% LTV | 5.44%10-year fixed | 6.50% | No fee |
| Santander10 year fixed rate · no fee · home movers only | 75% LTV | 5.44%10-year fixed | 6.50% | No fee |
| Santander10 year fixed rate · no fee · first-time buyers only | 75% LTV | 5.44%10-year fixed | 6.50% | No fee |
| Santander2 year tracker rate New Build Exclusive · £999 fee · home movers only | 60% LTV | 4.08%2-year tracker | 6.50% | £999 |
| Santander2 year tracker rate · £999 fee · home movers only | 60% LTV | 4.08%2-year tracker | 6.50% | £999 |
| Santander2 year tracker rate large loan · £1,999 fee · home movers only | 60% LTV | 4.10%2-year tracker | 6.50% | £1,999 |
| Santander2 year tracker rate New Build Exclusive · £999 fee · first-time buyers only | 60% LTV | 4.20%2-year tracker | 6.50% | £999 |
| Santander2 year tracker rate · £999 fee · first-time buyers only | 60% LTV | 4.20%2-year tracker | 6.50% | £999 |
| Santander2 year tracker rate large loan · £1,999 fee · home movers only | 75% LTV | 4.20%2-year tracker | 6.50% | £1,999 |
| Santander2 year tracker rate New Build Exclusive · £999 fee · home movers only | 75% LTV | 4.25%2-year tracker | 6.50% | £999 |
| Santander2 year tracker rate · £999 fee · home movers only | 75% LTV | 4.25%2-year tracker | 6.50% | £999 |
| Santander2 year tracker rate New Build Exclusive · £999 fee · first-time buyers only | 75% LTV | 4.44%2-year tracker | 6.50% | £999 |
| Santander2 year tracker rate · £999 fee · first-time buyers only | 75% LTV | 4.44%2-year tracker | 6.50% | £999 |
| Santander2 year tracker rate · £1,999 fee · home movers only | 85% LTV | 4.30%2-year tracker | 6.50% | £1,999 |
| Santander2 year tracker rate New Build Exclusive · £999 fee · home movers only | 85% LTV | 4.36%2-year tracker | 6.50% | £999 |
| Santander2 year tracker rate · £999 fee · home movers only | 85% LTV | 4.36%2-year tracker | 6.50% | £999 |
| Santander2 year tracker rate New Build Exclusive · £999 fee · first-time buyers only | 85% LTV | 4.49%2-year tracker | 6.50% | £999 |
| Santander2 year tracker rate · £999 fee · home movers only | 85% LTV | 4.49%2-year tracker | 6.50% | £999 |
| Santander2 year tracker rate New Build Exclusive · no fee · home movers only | 90% LTV | 4.95%2-year tracker | 6.50% | No fee |
| Santander2 year tracker rate New Build Exclusive · no fee · first-time buyers only | 90% LTV | 4.95%2-year tracker | 6.50% | No fee |
| Santander2 year tracker rate · no fee · home movers only | 90% LTV | 4.95%2-year tracker | 6.50% | No fee |
| Santander2 year tracker rate · no fee · first-time buyers only | 90% LTV | 4.95%2-year tracker | 6.50% | No fee |
Santander mortgage rates: your questions
What are Santander’s mortgage rates today?
Santander’s lowest rate for buying a home today is 4.08%, its 2-year tracker at up to 60% LTV, with a £999 fee. With a 10% deposit its lowest is 4.95% (2-year tracker). With a 5% deposit, 5.65% (5-year fixed). Read from Santander’s own site on 12 November 2026.
Has Santander cut or raised its mortgage rates?
Not since NewHomeSearch began reading its rates on 8 November 2026: the rates Santander publishes for buying a home are unchanged. NewHomeSearch reads them every night and lists any change the morning after.
Does Santander offer 95% mortgages?
Yes: Santander publishes deals up to 95% loan to value, so a 5% deposit. Its lowest today is 5.65%, a 5-year fixed with no product fee: about £1,645 a month on a £300,000 home over 30 years.
What rate does Santander charge after the deal ends?
Most Santander deals move to 6.50% when the initial rate ends, the variable rate it charges today. That rate can change, and it is what the comparison uses for the payment after the deal.
Does Santander charge a mortgage product fee?
Santander publishes deals with no fee, £999, £1,499, £1,999 product fees. A fee usually buys a lower rate; whether it pays depends on the size of the loan, which the comparison’s true cost works out.
Does Santander lend on new-build homes?
Its published rates for buying a home set no new-build exclusion, so every deal here is shown. A lender checks the home itself before it lends, as it does for any purchase.
Where do these mortgage rates come from?
From each lender’s own website, read every night by NewHomeSearch: 11 UK lenders, their rates, fees, loan to value bands and early repayment charges exactly as they publish them for buying a home. We are not a broker, take no commission and rank nothing for payment, so every deal is shown on the same terms, sorted by its numbers. Rates change, and a lender decides who it lends to: check a deal with the lender before you apply.
Your next step
Work out Santander’s deals for your price and depositHow we read the rates
- From each lender’s own website, every night. 11 UK lenders, read at 02:45 UTC; this page’s rates were read on 12 Nov 2026. Every rate links the page it came from.
- No broker, no commission, no paid placings. Nothing here is ranked for money, so every deal is shown on the same terms, sorted by its numbers.
- Only deals that lend on new-build homes. Every home on NewHomeSearch is a new build, so a deal its lender keeps from new builds is never shown.
- The sums done for you. Monthly payments, the true cost over the deal and the APRC are worked out with the lender’s own fees, in the comparison, for your price and deposit.
An illustration, not advice: rates change, and a lender decides who it lends to. Check a deal with the lender before you apply. How NewHomeSearch reads the lenders’ sites.