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Best Santander Remortgage Deals 2026

Santander is one of the UK's largest mortgage lenders, known for flexible criteria and competitive pricing across LTV bands. This guide covers the best Santander remortgage deals in 2026 and when an alternative might suit you better.

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Quick Answer: Best Santander Remortgage Deals in 2026

Santander remortgage rates in 2026 are typically 4.6%-5.1% for a 2-year fix and 4.4%-5.0% for a 5-year fix at 75% LTV — among the most competitive mainstream pricing. Santander is known for flexible criteria, is competitive at lower LTV bands, and lends up to 90% LTV. Existing customers can do a fast product transfer or compare Santander's rates against HSBC, First Direct, Halifax and Nationwide. Santander offers both fee-paying and fee-free products with free valuation and legal work on most remortgages.

Rates last reviewed June 2026. Figures shown are indicative market ranges to help you compare — not live quotes or personalised offers. Mortgage rates change daily and depend on your circumstances, the lender's criteria and the Bank of England base rate. Check live rates for your profile →

Santander Remortgage Rates by LTV (2026)

LTV bandTypical 2-yr fixTypical 5-yr fix
60% LTV4.4-4.8%4.2-4.7%
75% LTV4.6-5.1%4.4-5.0%
85% LTV4.9-5.3%4.7-5.1%
90% LTV5.1-5.6%4.9-5.4%

Santander is often particularly sharp at the 60-75% LTV bands, where its pricing regularly features in best-buy tables.

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Gary from London

"Easier Than Expected"

Gary, London
★★★★★
"I kept putting off remortgaging because I thought it would be a massive headache. Honestly, the whole thing was painless — filled in a quick form, got my options, and it was all sorted within weeks. Wish I'd done it sooner."
Katie from London

"Done In No Time"

Katie, London
★★★★★
"Our fixed rate was ending in a month and I was panicking about going onto the SVR. Managed to get everything sorted really quickly and we're now on a much better rate. Saving us about £200 a month."
Janet from Exeter

"So Much Better Off"

Janet, Exeter
★★★★★
"Was a bit nervous about switching as I'd been with the same lender for years. Turns out I was massively overpaying — got a much better deal and the whole process was far easier than I expected."
Lucy from Tamworth

"Happy Saving"

Lucy, Tamworth
★★★★★
"After having to pay a ridiculous amount due to the interest rate hike, we have now got a more suitable monthly payment, consolidated a loan and have money left for hopefully a loft conversion."

Why Santander Suits Many Remortgagers

Santander's strengths:

Santander Product Transfer vs Switching

Existing Santander customers have the usual two options:

Santander's retention rates are usually competitive, so the product transfer is often a good option — but compare against the market first to be sure you're not leaving savings on the table.

Best Alternatives to Santander

Before committing, compare Santander against:

A whole-of-market broker compares Santander against all of these for your specific profile in one conversation.

Important: Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The actual rate available will depend on your circumstances. Think carefully before securing other debts against your home.

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Frequently Asked Questions

Typically 4.6%-5.1% for a 2-year fix and 4.4%-5.0% for a 5-year fix at 75% LTV, with cheaper rates at 60% LTV. Santander is often particularly competitive at the 60-75% LTV bands. Rates change daily, so compare Santander against HSBC, First Direct, Halifax and Nationwide for the live best-buy for your profile.

Yes — Santander is a top-five UK lender known for flexible, sensible criteria and competitive pricing, particularly at lower LTV bands. It's a strong all-round choice for employed and self-employed borrowers, lends up to 90% LTV, and offers a fast product transfer for existing customers. As always, compare its rate against the wider market.

Compare both. A Santander product transfer is fast, needs no valuation or legal work, and Santander's retention rates are usually competitive. Switching to a new lender accesses the whole market but takes 4-8 weeks. If Santander's retention rate is within 0.2% of the best available, the transfer often wins; if a rival is 0.3%+ cheaper, switching can save more.

Reasonably — Santander accepts standard self-employed documentation (typically two years of accounts or SA302s) and assesses income sensibly. It's not the most specialist self-employed lender (Skipton or Kensington may suit complex cases better), but for established self-employed borrowers with a couple of years' accounts, Santander is a solid mainstream option.

Santander lends up to 90% LTV on remortgages for clean-credit borrowers in 2026. The best rates are at 60% LTV, with pricing stepping up at 75%, 85% and 90%. For capital raising (borrowing more), Santander typically caps at a lower LTV than the maximum. Higher LTV or adverse credit cases may need a specialist lender.

Yes — like most major lenders, Santander includes free valuation and free legal work on most remortgage products, which keeps the upfront cost low. It also offers both fee-paying (lower rate, ~£999 fee) and fee-free versions of products. When comparing, factor any fee into the total cost over the deal period alongside the rate.

All three are strong, broad-criteria mainstream lenders. Santander is often sharpest at 60-75% LTV and flexible on criteria; Halifax is strong for self-employed and fast completion; Nationwide excels at new-build and member loyalty pricing. The cheapest of the three varies week to week. Compare all three (a broker does this in one go) rather than defaulting to any one.

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