Non-Resident UK Mortgage Rates
Effective from 27 March 2026
Santander International offers mortgage solutions for customers looking to finance residential investment properties in the UK.
Whether you are looking to buy a new investment property, release equity from a property you already own, or refinance from a different lender, we can help you.
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 need to borrow.
All offers are subject to availability and can be withdrawn at any time. The following information does not contain all of the details you need to consider when choosing a mortgage.
Some things to bear in mind
Repayment method
Your mortgage will be an interest only mortgage which means that your monthly payment only pays the interest you owe. As you’re only paying interest, you’ll still have to repay the ‘capital’ (the amount you’ve borrowed) at the end of your mortgage term. You must make sure you have a way to pay this off when your mortgage ends. It’s important that you check, on a yearly basis, that this arrangement is still on track to pay off your mortgage. If at any point you think that you won’t be able to repay the capital at the end of your mortgage, it is important that you contact us to find out what your options are regarding your mortgage and payment arrangements. The sooner you act, the easier it will be to address any issues. If you wish to repay the amount you borrow through a repayment mortgage (where your monthly payment is made up of capital and interest), you should contact one of our mortgage specialists.
Tracker rate mortgage
The interest rate will track the Bank of England base rate for the life of the mortgage term, so your payments will increase or decrease in line with any base rate changes.
Making capital repayments
You can make overpayments of the capital or full early repayment within the loan term on any monthly payment date. These capital repayments will not be subject to early repayment charges.
Fees and costs
The arrangement fee is 1% of the mortgage amount. You can choose to settle the fee to your Gold Account or by deducting the required amount from the sum available to you at drawdown of the mortgage.
Other fees and costs (including legal costs) may apply, details of which are available on the Non Resident UK Mortgage Charges web page.
Interest rates effective 27 March 2026 – for Personal Borrowers
Loan to Value | Current interest rate (variable) | Differential to Bank of England Base Rate (currently 3.75%) | Overall cost for comparison (APRC) |
50% | 5.34% | 1.59% | 5.7% |
60% | 5.39% | 1.64% | 5.8% |
75% | 5.59% | 1.84% | 6.0% |
Interest rates effective 27 March 2026 – for Corporate Borrowers
Loan to Value | Current interest rate (variable) | Differential to Bank of England Base Rate (currently 3.75%) | Overall cost for comparison (APRC) |
50% | 6.34% | 2.59% | 6.8% |
60% | 6.34% | 2.59% | 6.8% |
75% | 6.34% | 2.59% | 6.8% |
Representative example
A mortgage of £850,000 payable over 5 years would require 60 monthly interest payments of £3,817.92 with capital of £850,000 capital repayment at the end of the period. This is based on a tracker rate for 5 years at 60% loan to value at 5.39% (variable).
The total amount payable would be £1,087.57 (mortgage including a 1% arrangement fee, plus £229,075.00 interest and capital repayment of £850,000). The overall cost for comparison is 5.8% APRC representative.
This example is an illustration of a typical mortgage and its total cost.
Other information
- There are completion deadlines for tracker rates which means your mortgage must be fully completed by a set date.
- 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.
- All APRCs provided are typical and variable and are based on an interest only mortgage.
YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON 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
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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.
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