Current mortgage offers
Follow-on Rate and Standard Variable Rate details
On 07 August 2025 the Bank of England base rate reduced from 4.25% to 4.00%.
- The Follow on Rate is a variable rate that tracks at 3.25% above the Bank of England base rate, giving a current rate payable of 7.25%
- Tracker mortgage rates and the Follow on Rate will change on the first working day of the month following a change to Bank of England base rate
- Our Standard Variable Rate is currently 7.25% for existing mortgages on this rate
If you have a fixed rate mortgage then there is no change to your mortgage rate if you are still in the initial period where your rate is fixed.
Concerned about meeting your mortgage payments?
We're here to help
We understand that circumstances can change and if you’re worried about meeting your mortgage payments, please contact us. Our mortgage team are here to support you and they’ll be able to discuss the different options that are available.
Further information is available in our Customer Support section.
Terms and Conditions
All applications are subject to status and lending criteria
YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Ways to apply
Enquire Online
Email
Phone
In branch
Phone
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
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
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