Santander Mortgages

High-street

Strong residential lender with a notable buy-to-let proposition. Generous on bonus and overtime income for some employed applicants.

Where Santander is strong

Counts 100% of regular overtime and bonus in many cases
Buy-to-let range including portfolio landlords
New-build flexibility on some products
Competitive 60% and 75% LTV rates

Niche

High-bonus employed applicants, BTL landlords with 4+ properties.

Quirks worth knowing

Affordability model can be tighter than some specialists for self-employed contractors.

Documents

Standard pack. For bonus/overtime — 2 years of payslips or P60s showing the pattern.

Who Santander suits

Bonus-heavy employed, BTL landlords, mainstream remortgages.

How to access Santander's rates

For current Santander mortgage rates and an indication of whether they\'d lend to you, a mortgage adviser can pull live quotes during a 15-minute call. The headline rate you see advertised is rarely the one offered — your LTV, term, credit profile and property type all change pricing.

Most whole-of-market brokers have access to Santander via the broker channel. Request a callback for a real adviser quote.

Compare with other UK lenders

Halifax

High-street

Nationwide

High-street (building society)

Skipton Building Society

Building society

Frequently asked questions

Can I apply to Santander via a mortgage broker? +

Yes — most UK whole-of-market brokers have access to Santander's broker-channel products. Some lender-direct deals may differ.

Is Santander good for first-time buyers? +

Santander accepts first-time buyer applications, though they're more notable for: high-bonus employed applicants, btl landlords with 4+ properties..

What documents does Santander need? +

Standard pack. For bonus/overtime — 2 years of payslips or P60s showing the pattern.

Will Santander accept my income type? +

Santander's strengths include: Counts 100% of regular overtime and bonus in many cases. A mortgage adviser can confirm if your specific income pattern matches their criteria — request a callback below.

How long does a Santander mortgage take? +

Most UK mortgages take 2–6 weeks from full application to offer. Product transfers with your existing lender are usually much faster — often same-day to 5 working days.