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 2 months ago

APR

4.19–6.29%

Amount

£25,000–£5,000,000

Term

60–420 mo

Requirements

18+

UK resident

Decision

—

Rate Lock

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.

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About this 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.

Rates shown are representative. Your actual rate may differ based on your circumstances. We may earn a commission for referrals.

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