Existing customers
If you already have a mortgage with us we could help change your deal, borrow more money or move home.
Ways to applyMortgage rates
View our latest mortgage interest rates available to Jersey and Isle of Man residents
View mortgage interest ratesFollow-on Rate and Standard Variable Rate details
- The Follow on Rate 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%
- Our Standard Variable Rate is currently 7.00% 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
Jersey Mortgage Terms and Conditions
View the Mortgage Terms and Conditions for Jersey.
View Jersey Mortgage Terms and ConditionsIsle of Man Mortgage Terms and Conditions
View the Mortgage Terms and Conditions for for the Isle of Man.
View Isle of Man Mortgage Terms and ConditionsAll 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
View on Google Maps
Isle of Man
Santander Work Café
Market Hall,
North Quay
Douglas,
Isle of Man,
IM1 2BQ
View on Google Maps
Frequently asked questions
Who can apply for a Santander International mortgage?
You can apply for a Santander International mortgage if you meet our eligibility criteria, including residency requirements.
How do I get an idea of how much I could borrow?
The amount you can borrow depends on factors such as your income, credit history, and the property value. To find out your borrowing limit contact us to arrange a mortgage appointment.
How much will I need for a deposit?
Typically, you’ll need a minimum deposit of 5% of the property value when applying for a Santander International mortgage.
What mortgage interest rates does Santander International offer?
We offer both fixed-rate mortgages and tracker-rate mortgages. Your interest rate will depend on the mortgage type, loan amount, and deposit size. For the latest mortgage rates, visit the mortgage offers section on our website.
Can I make over payments on my mortgage?
You can make over payments to reduce your mortgage balance faster. Check your mortgage terms for any limits or early repayment charges.
What other costs and fees may I have when taking out a mortgage?
It’s important you add up all the costs involved in a mortgage, not just the interest rate. You may need to budget for a valuation fee, search fees, land registry fees and legal costs.
For a full list of our mortgage charges, select the location that applies to you below.
Jersey
View the fees and charges that may apply to mortgages in Jersey
View Jersey Mortgage Tariff of ChargesIsle of Man
View the fees and charges that may apply to mortgages in the Isle of Man.
View Isle of Man Mortgage Tariff of ChargesCan the product fee be added to my mortgage?
You have a choice of either paying the product fee upfront when you apply for your mortgage or you can choose to add the product fee to the mortgage. If you decide to add the product fee to the mortgage you'll pay interest on this over the term of the mortgage. You can however repay this fee within 14 days following completion of the mortgage without paying interest on the product fee.
