Santander mortgage rates today, against the whole market
See Santander mortgage rates at every loan to value band, side by side with the best rate any lender is publishing today. Santander can show you its own deals. Theo shows you where they sit in the market.
Quick answer
Santander mortgage rates are priced by loan to value band and fix length, so the rate that matters is the one at your band. On 21 October 2026, Santander’s published product transfer rate for a 2 year fix at 75% was 5.14% with a £1,224 fee, 0.05 points above the best open market rate of 5.09%.
The table below compares Santander with the best rate any lender is publishing for each band, and updates every morning from Theo’s data.
Updated today
Santander mortgage rates, two ways
- NewRemortgaging to Santander.
- ExistingA Santander product transfer.
Santander mortgage rates, checked daily
Add your Santander mortgage to Theo and it checks your rate against the whole market every morning, with your fix end date, fees and Santander’s standard variable rate.
Theo is independent
Theo is not affiliated with Santander. The figures come from mortgage sourcing data and are a guide, not an offer. Log in to Santander to see your own offer.
Your Santander deal ending?
See product transfers.
Santander mortgage rates: what affects yours
| Factor | Why it matters |
|---|---|
| Loan to value band | Each 5% band is priced separately |
| Fix length | 2 and 5 year fixes are priced differently |
| New or existing customer | Product transfers and new customer deals differ |
| Fee or no fee | A lower rate often carries a bigger fee |
| Your circumstances | Your own offer can differ from published rates |
Santander or the whole market?
Santander shows you Santander. Theo shows you where Santander sits.
- SantanderIts own deals, after you log in.
- TheoEvery lender at your band, daily.
- FeesShown beside every rate.
- AlertsWhen the market beats your deal.
Santander mortgage rates against the whole market
Choose a fix length.
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How Santander mortgage rates work
Santander prices its mortgages by loan to value band and fix length, with separate ranges for new customers and existing customers switching deals, and Santander mortgage rates can change several times a month. The best Santander deal at 60% is not the best at 85%, so the table above shows each band side by side with the best rate any lender is publishing.
Santander rates for existing customers
On Theo’s data, Santander’s published product transfer rates sat within about 0.05 points of the best open market rate at most bands up to 85% on 21 October 2026, mostly with a £1,224 fee. Close to the market, but the fee matters, especially on a smaller loan. Your own offer depends on your circumstances, so log in to Santander to see it. See Santander product transfers.
Asking your lender, or checking with Theo
When you log in to your lender, you see your lender’s deals. That is all it can show you. Theo shows where those deals sit in the whole market: the best rate any lender is publishing for your loan to value band today, the fees beside every rate, and the standard variable rate you would roll onto if you did nothing. Your lender tells you what it will offer. Theo tells you whether it is a good offer.
Theo is information, not advice, and it is not affiliated with any lender. When you are ready to act, an FCA-authorised adviser can check your options across the market.
If your Santander deal ends and you do nothing
If your Santander deal ends without a new one, you move onto Santander’s follow on rate, usually well above any fixed deal. Theo shows Santander’s current rate beside the table when it is in the data, and alerts you 12, 9, 6, 3, 2 and 1 months before your fix ends. See standard variable rates.
Where the figures come from
Theo checks rates from 100+ UK lenders every morning through mortgage sourcing data. Rates change and deals can be withdrawn at short notice, so the figures are a guide, not an offer. Theo is not affiliated with Santander.
Common questions
What are Santander mortgage rates today?
Are Santander mortgage rates good?
Can I get a better rate than Santander is offering me?
Is Theo part of Santander?
Keep exploring
Santander product transferIs your offer a good one?
UK mortgage lenders comparedEvery lender against the whole market.
Product transfer or remortgage?Stay or move, compared on the true cost.
What happens when your fixed rate ends?Your options, the timeline and the cost of waiting.
What is a standard variable rate?Today’s typical SVR and what it costs you.
Am I overpaying on my mortgage?Savings Intelligence, checked daily.
Theo App Ltd is not authorised by the Financial Conduct Authority and does not give mortgage advice. This page is information only and is not a recommendation. Santander is a trading name of Santander UK plc. Theo is not affiliated with Santander. Rates are a guide from mortgage sourcing data, not offers. Not advice. Speak to an FCA-authorised mortgage adviser about your own circumstances.
Your home may be repossessed if you do not keep up repayments on your mortgage.