Mortgage rates for Jersey and Isle of Man residents
Effective from 21 September 2026
Whether you’re buying your first home or moving home, looking to borrow more, move your mortgage to us or looking to invest in a buy to let property, we offer a comprehensive range of mortgages. All applications are subject to status and lending criteria. This means that the amount we will lend you will depend on individual circumstances, the type of property and the amount you borrow. All offers are subject to availability and can be withdrawn at any time. Completion deadlines may apply. The information in this document does not contain all of the details you need to consider when choosing a mortgage. Please call us on 08000 84 28 88, if calling from a UK landline or mobile or +44 (0)1624 641 888 if calling from overseas, to speak with one of our Mortgage Specialists.
YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Our ranges are designed with you in mind
Fixed rate mortgages
The interest rate on a fixed rate mortgage is fixed for a set period of time. So even if the Bank of England base rate changes during the fixed rate period, your payment amount remains the same. After the fixed rate period finishes (see table below for details), your interest rate will change to Santander International’s Follow-on Rate which is a variable rate that tracks at 3.25% above the Bank of England base rate (currently 3.75%), giving a current rate payable of 7.00%. An Early Repayment Charge (ERC) may apply if the mortgage is repaid during the fixed rate period. Please see the final page of this document for more details on the ERC.
| Product | Initial rate period finishes |
| 2 Year Fixed (including fee free) | 2 years after completion |
| 5 Year Fixed (including fee free) | 5 years after completion |
| 10 Year Fixed (including fee free) | 10 years after completion |
Tracker rate mortgages
The interest rate tracks the Bank of England base rate for the lifetime of the mortgage so your payments will increase or decrease in line with any changes. You can choose to switch to another product at any time if you wish.
| Product |
| Lifetime Tracker (including fee free) |
Fee and rate options
Whether you’re buying your first home, moving house, looking to borrow more or remortgage to us, we appreciate that it can be an expensive time. We offer the following fee and rate options so that you can choose which option will suit you best:
Standard Fees:
- A product fee is payable. You can choose to pay this at the time you’re taking out your mortgage, or alternatively you can choose to add the product fee to the mortgage. If you decide to do this you’ll pay interest on this amount over the term of your mortgage.
- A valuation fee is payable so that the property’s value can be independently assessed. This fee is payable when the survey is requested.
Fee Free:
- No separate product fee is payable, however the interest rate payable will normally be a little bit higher as a result.
- One free standard valuation (on a property valued up to £1.6 million) is also included in the Fee Free option. If you need to have more than one property valuation then a valuation fee will become payable on the second and any subsequent valuation requests.
- All other charges outlined in our tariff may apply.
Representative example
A mortgage of £507,000 payable over 25 years would require 60 monthly payments of £3,050.16 and 240 monthly payments of £3,497.79. This is based on an initial fixed rate for 5 years at 60% loan to value (LTV) at 5.29% and then Santander International’s Follow-on Rate of 7.00% variable (Bank of England base rate, currently 3.75%, plus 3.25%) for the remaining 20 years.
The total amount payable would be £1,023,478.06 (mortgage including a £999 product fee, plus £515,479.06 interest and a £225 account fee). The overall cost for comparison is 6.5% APRC representative.
This example is an illustration of a typical mortgage and its total cost.
Maximum Loan to Value – 60%
Product | Initial Rate | Differential to Bank of England Base Rate | Then changes to our Follow-on Rate (variable) | Overall cost for comparison (APRC) | Product fee | Free standard valuation | Early Repayment Charge (ERC) | Product code |
Lifetime Tracker | 4.74% | 0.99% | n/a | 4.9% | £999 | No | n/a | R0603SA |
Lifetime Tracker | 5.09% | 1.34% | n/a | 5.2% | £0 | 1 free valuation | n/a | R0604FA |
2 Year Fixed | 5.29% | n/a | 7.00% | 6.5% | £999 | No | 2% | R0659SA |
2 Year Fixed | 5.44% | n/a | 7.00% | 6.5% | £0 | 1 free valuation | 2% | R0660FA |
5 Year Fixed | 5.29% | n/a | 7.00% | 6.5% | £999 | No | 3% | R0670SA |
5 Year Fixed | 5.39% | n/a | 7.00% | 6.5% | £0 | 1 free valuation | 3% | R0671FA |
10 Year Fixed | 5.49% | n/a | 7.00% | 6.5% | £999 | No | 4% | R0682SA |
10 Year Fixed | 5.54% | n/a | 7.00% | 6.5% | £0 | 1 free valuation | 4% | R0683FA |
Maximum Loan to Value – 70%
Product | Initial Rate | Differential to Bank of England Base Rate | Then changes to our Follow-on Rate (variable) | Overall cost for comparison (APRC) | Product fee | Free standard valuation | Early Repayment Charge (ERC) | Product code |
Lifetime Tracker | 4.80% | 1.05% | n/a | 4.9% | £999 | No | n/a | R0605SA |
Lifetime Tracker | 5.15% | 1.40% | n/a | 5.3% | £0 | 1 free valuation | n/a | R0606FA |
2 Year Fixed | 5.44% | n/a | 7.00% | 6.5% | £999 | No | 2% | R0661SA |
2 Year Fixed | 5.64% | n/a | 7.00% | 6.6% | £0 | 1 free valuation | 2% | R0662FA |
5 Year Fixed | 5.49% | n/a | 7.00% | 6.5% | £999 | No | 3% | R0672SA |
5 Year Fixed | 5.59% | n/a | 7.00% | 6.6% | £0 | 1 free valuation | 3% | R0673FA |
10 Year Fixed | 5.79% | n/a | 7.00% | 6.7% | £999 | No | 4% | R0684SA |
10 Year Fixed | 5.84% | n/a | 7.00% | 6.7% | £0 | 1 free valuation | 4% | R0685FA |
Maximum Loan to Value – 75%
Product | Initial Rate | Differential to Bank of England Base Rate | Then changes to our Follow-on Rate (variable) | Overall cost for comparison (APRC) | Product fee | Free standard valuation | Early Repayment Charge (ERC) | Product code |
Lifetime Tracker | 4.80% | 1.05% | n/a | 4.9% | £999 | No | n/a | R0607SA |
Lifetime Tracker | 5.15% | 1.40% | n/a | 5.3% | £0 | 1 free valuation | n/a | R0608FA |
2 Year Fixed | 5.44% | n/a | 7.00% | 6.5% | £999 | No | 2% | R0663SA |
2 Year Fixed | 5.69% | n/a | 7.00% | 6.6% | £0 | 1 free valuation | 2% | R0664FA |
5 Year Fixed | 5.49% | n/a | 7.00% | 6.5% | £999 | No | 3% | R0674SA |
5 Year Fixed | 5.59% | n/a | 7.00% | 6.6% | £0 | 1 free valuation | 3% | R0675FA |
10 Year Fixed | 5.84% | n/a | 7.00% | 6.7% | £999 | No | 4% | R0686SA |
10 Year Fixed | 5.89% | n/a | 7.00% | 6.7% | £0 | 1 free valuation | 4% | R0687FA |
Maximum Loan to Value – 80%
Product | Initial Rate | Differential to Bank of England Base Rate | Then changes to our Follow-on Rate (variable) | Overall cost for comparison (APRC) | Product fee | Free standard valuation | Early Repayment Charge (ERC) | Product code |
Lifetime Tracker | 4.94% | 1.19% | n/a | 5.1% | £999 | No | n/a | R0609SA |
Lifetime Tracker | 5.29% | 1.54% | n/a | 5.4% | £0 | 1 free valuation | n/a | R0610FA |
2 Year Fixed | 5.55% | n/a | 7.00% | 6.6% | £999 | No | 2% | R0665SA |
2 Year Fixed | 5.80% | n/a | 7.00% | 6.7% | £0 | 1 free valuation | 2% | R0666FA |
5 Year Fixed | 5.54% | n/a | 7.00% | 6.6% | £999 | No | 3% | R0676SA |
5 Year Fixed | 5.64% | n/a | 7.00% | 6.6% | £0 | 1 free valuation | 3% | R0677FA |
10 Year Fixed | 5.94% | n/a | 7.00% | 6.8% | £999 | No | 4% | R0688SA |
10 Year Fixed | 5.99% | n/a | 7.00% | 6.8% | £0 | 1 free valuation | 4% | R0689FA |
Maximum Loan to Value – 85%
Product | Initial Rate | Differential to Bank of England Base Rate | Then changes to our Follow-on Rate (variable) | Overall cost for comparison (APRC) | Product fee | Free standard valuation | Early Repayment Charge (ERC) | Product code |
Lifetime Tracker | 5.10% | 1.35% | n/a | 5.3% | £999 | No | n/a | R0611SA |
Lifetime Tracker | 5.45% | 1.70% | n/a | 5.6% | £0 | 1 free valuation | n/a | R0612FA |
2 Year Fixed | 5.75% | n/a | 7.00% | 6.7% | £999 | No | 2% | R0667SA |
2 Year Fixed | 5.85% | n/a | 7.00% | 6.7% | £0 | 1 free valuation | 2% | R0668FA |
5 Year Fixed | 5.84% | n/a | 7.00% | 6.6% | £999 | No | 3% | R0678SA |
5 Year Fixed | 5.94% | n/a | 7.00% | 6.7% | £0 | 1 free valuation | 3% | R0679FA |
10 Year Fixed | 6.03% | n/a | 7.00% | 6.8% | £999 | No | 4% | R0690SA |
10 Year Fixed | 6.08% | n/a | 7.00% | 6.8% | £0 | 1 free valuation | 4% | R0691FA |
Maximum Loan to Value – 90%
Product | Initial Rate | Differential to Bank of England Base Rate | Then changes to our Follow-on Rate (variable) | Overall cost for comparison (APRC) | Product fee | Free standard valuation | Early Repayment Charge (ERC) | Product code |
Lifetime Tracker | 5.39% | 1.64% | n/a | 5.6% | £999 | No | n/a | R0613SA |
Lifetime Tracker | 5.75% | 2.00% | n/a | 5.9% | £0 | 1 free valuation | n/a | R0614FA |
2 Year Fixed | 5.89% | n/a | 7.00% | 6.7% | £999 | No | 2% | R0669SA |
2 Year Fixed | 5.94% | n/a | 7.00% | 6.7% | £0 | 1 free valuation | 2% | R0627FA |
5 Year Fixed | 5.99% | n/a | 7.00% | 6.8% | £999 | No | 3% | R0680SA |
5 Year Fixed | 5.99% | n/a | 7.00% | 6.7% | £0 | 1 free valuation | 3% | R0681FA |
10 Year Fixed | 6.09% | n/a | 7.00% | 6.8% | £999 | No | 4% | R0692SA |
10 Year Fixed | 6.14% | n/a | 7.00% | 6.8% | £0 | 1 free valuation | 4% | R0693FA |
Maximum Loan to Value – 95%
95% pricing is indicative and subject to underwriting. Maximum loan is £750,000.
Product | Initial Rate | Differential to Bank of England Base Rate | Then changes to our Follow-on Rate (variable) | Overall cost for comparison (APRC) | Product fee | Free standard valuation | Early Repayment Charge (ERC) | Product code |
Lifetime Tracker | 6.00% | 2.25% | n/a | 6.2% | £0 | 1 free valuation | n/a | R0615FA |
2 Year Fixed | 6.19% | n/a | 7.00% | 6.9% | £0 | 1 free valuation | 2% | R0628FA |
5 Year Fixed | 6.14% | n/a | 7.00% | 6.8% | £0 | 1 free valuation | 3% | R0641FA |
10 Year Fixed | 6.19% | n/a | 7.00% | 6.9% | £0 | 1 free valuation | 4% | R0694FA |
NextGen 100 5 Year Fixed | 6.14% | n/a | 7.00% | 6.8% | £0 | 1 free valuation | 3% | R0642FA |
NextGen 100 10 Year Fixed | 6.19% | n/a | 7.00% | 6.9% | £0 | 1 free valuation | 4% | R0695FA |
Buy to Let Mortgages
Maximum Loan to Value (LTV) | Initial Rate | Differential to Bank of England Base Rate | Then changes to our Follow-on Rate (variable) | Overall cost for comparison (APRC) | Product fee | Free standard valuation | Early Repayment Charge (ERC) | Product code |
Lifetime Tracker Rates | ||||||||
50% | 5.74% | 1.99% | n/a | 5.9% | £1,499 | No | n/a | B0116SA |
60% | 5.79% | 2.04% | n/a | 6.0% | £1,499 | No | n/a | B0117SA |
75% | 5.99% | 2.24% | n/a | 6.2% | £1,499 | No | n/a | B0118SA |
2 Year Fixed Rates | ||||||||
50% | 5.59% | n/a | 7.00% | 6.6% | £1,499 | No | 2% | B0149SA |
60% | 5.74% | n/a | 7.00% | 6.7% | £1,499 | No | 2% | B0150SA |
75% | 5.99% | n/a | 7.00% | 6.8% | £1,499 | No | 2% | B0151SA |
5 Year Fixed Rates | ||||||||
50% | 5.69% | n/a | 7.00% | 6.6% | £1,499 | No | 3% | B0155SA |
60% | 5.69% | n/a | 7.00% | 6.6% | £1,499 | No | 3% | B0156SA |
75% | 5.99% | n/a | 7.00% | 6.8% | £1,499 | No | 3% | B0157SA |
10 Year Fixed Rates | ||||||||
50% | 5.99% | n/a | 7.00% | 6.8% | £1,499 | No | 4% | B0161SA |
60% | 5.99% | n/a | 7.00% | 6.8% | £1,499 | No | 4% | B0141SA |
75% | 6.19% | n/a | 7.00% | 6.9% | £1,499 | No | 4% | B0142SA |
Other information
What you need to know
- All products and offers are subject to availability, subject to status and can be withdrawn at any time.
- The amount we will lend you will depend on individual circumstances, the type of property and the amount you borrow.
- We require you to have buildings insurance on the property.
- Payment by Direct Debit from a Santander International sterling Gold Account is compulsory on all of these products.
- All APRCs in this leaflet are typical and variable and are based on a repayment mortgage.
- Tracker mortgage rates will change on the first working day of the month following a change to Bank of England base rate.
- For all mortgage products that are 80% LTV (loan to value) and above, at least one applicant must mandate their salary to a Gold Bank Account.
Minimum loan size
Refer to branch.
Maximum loan size
Refer to branch (95% loan to value maximum loan is £750,000).
Making capital repayments
- Additional capital repayments off your outstanding balance can be made. This is called a Capital Reduction Payment.
- On most fixed rates you can pay off up to 10% of your outstanding balance each calendar year without incurring an early repayment charge. If you want to pay off more than 10%, you may have to pay an early repayment charge. On our tracker rates you can make unlimited overpayments. A minimum amount may apply. Please contact us for more information.
Early repayment charge
The early repayment charge, which applies to some of the mortgages in our range, is calculated as a percentage of your outstanding balance at the time of redemption and is payable until the date shown below.
| Product | ERC | ERC period |
| 2 Year Fixed | 2% reducing to 1% in the final year and 0% if moving to another product with us | 2 years |
| 5 Year Fixed | 3% reducing to 2% with two years to run, reducing to 1% in the final year and 0% if moving to another product with us | 5 years |
| 10 Year Fixed | 4% reducing to 3% with five years to run, reducing to 1% in the final year and 0% if moving to another product with us | 10 years |
Moving your existing Santander International mortgage to your new home
- If you already have a mortgage with us and you’re moving, you can apply to transfer your current mortgage to your new home. You won’t pay an Early Repayment Charge (if one applies) if you transfer the same amount.
- Alternatively, you could choose a new deal from our competitive range. You won’t have an early repayment charge if you have less than six months left on your existing deal at the time you apply for a new mortgage for at least the same amount. In the future, we may withdraw this offer. If you have more than six months left on your existing deal at the time you apply for a new mortgage, you’ll need to pay an early repayment charge if one applies to your mortgage.
Find out more
Phone
In branch
Write to us
Phone
Calling from a UK landline or mobile
Call us on 08000 84 28 88 (free of charge)
Calling from overseas
Call us on +44 (0) 1624 641 888
Lines are open 9am – 5pm UK time, Monday to Friday (except Wednesday when we open at 9.30am)
In branch
Jersey
Santander Work Café
13-15 Charing Cross
St Helier,
Jersey
JE2 3RP
Channel Islands
View on Google Maps
Isle of Man
Santander Work Café
Market Hall,
North Quay
Douglas,
Isle of Man,
IM1 2BQ
View on Google Maps
Write to us
Santander International
13-15 Charing Cross
St Helier,
Jersey, JE2 3RP
Channel Islands
Santander International
PO Box 123
19-21 Prospect Hill
Douglas
Isle of Man, IM99 1ZZ
British Isles
Santander International is the trading name of Santander Financial Services plc, Jersey Branch and Santander Financial Services plc, Isle of Man Branch.
Santander Financial Services plc is incorporated in England and Wales with number 2338548 and its registered office is 2 Triton Square, Regent’s Place, London NW1 3AN, United Kingdom. Santander Financial Services plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Santander Financial Services plc’s Financial Services Register number is 146003. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander Financial Services plc, Jersey Branch has its principal place of business at 13-15 Charing Cross, St Helier, Jersey JE2 3RP, Channel Islands and is regulated by the Jersey Financial Services Commission. Santander Financial Services plc, Isle of Man Branch has its principal place of business at 19 - 21 Prospect Hill, Douglas, Isle of Man, IM1 1ET and is regulated by the Isle of Man Financial Services Authority. www.santanderinternational.co.uk
All accounts opened with Santander Financial Services plc, Jersey Branch have situs in Jersey and therefore are not covered by the Financial Services Compensation Scheme established under the UK Financial Services and Markets Act 2000 or by the Isle of Man Depositors’ Compensation Scheme. Santander Financial Services plc, Jersey Branch is a participant in the Jersey Bank Depositors Compensation Scheme (the Scheme). The Scheme aims to provide protection for eligible depositors of up to £50,000. For further information about the Scheme and to understand your eligibility, please refer to www.jrdca.org.je/jdcs.
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