At Santander, we know how important getting a home is. It is not a decision that you can take hastily but one that needs serious consideration.
We understand all these conditions. This is the reason why we are always strictly towards ensuring that our customers are given the best advice when it comes to home loans.
If you own property and have made a purchase before, it might not be as difficult as it would be for a first-time buyer.
Homeowners may need a little help too
Homeowners may think that they don’t need any assistance when it comes to applying for a mortgage.
This is not always the case. There might be regulations that have changed and it will help you to get expert knowledge from our agents.
In essence, whoever applies for credit will need to be assisted in order to ensure that the process runs smoothly.
We have trusted consultants who will help from the initiation stage of your online loan application to the final stage of the mortgage credit plan.
When you make use of our mortgage calculator to compare loans prior to applying for a home loan, you will have a better idea of the amount you would be due to pay once your application has been approved.
Another advantage why customers like making use of this system is because it tells a customer how much money they qualify for and how long they would have to pay it. Should you find that you qualify for more than you actually anticipated, apply for only the amount of money that you need. The last thing that you need is to find yourself in a position where you are paying for credit that you don’t actually need.
Changing the current mortgage package that you have
If you would like to change your mortgage loan, we can also assist you with that. We will need sufficient information on the current mortgage that you have.
We will also have to find out the reasons that have amounted in you changing you deal and whether your finances actually allow you to do so. It is important to remember that everything you do as a customer is driven by how much you can afford and how your financial status is standing.
Santander Product Details
- Loan Type Property Finance
- Interest Rate from 3.0%
- Loan Amount up to £20,000
- Repayment 1 year to 5 years
Benefits of Santander
- Conveniently apply online
- Get a decision in 24 hours
- Overpay your loan with no penalties
- Qualify for a repayment holiday
Buying your first home should be easy, that's why we offer our clients easy & straightforward home loans
We would love to help everybody who comes knocking on our doors for credit. We can only be of assistance to people that meet our credit criteria whether you're looking for a quick loan or a large property loan.
If you would like to apply for a home loan, you need to be above the age of 18 years and should also be a UK resident. The customer also needs to be employed and should earn a decent salary. We will need to proof these verifications as they may determine the amount you can be eligible for. Failure to meet the minimum requirements will result in having to decline your home loan.
Can I apply for more than one home loan?
The only time we might be able to give you an additional home loan is if we have seen the way you are paying your current home loan is impressive. The customer has to ensure they don’t skip any monthly repayments if they would like to be eligible for an additional home loan.
Should it not be practical at this stage, we will advise that you finish paying off the current home loan before applying for an additional mortgage. This way, it gives you financial access to deal with one credit at a given time. Give us a call today and let us change your life forever.
Don’t confuse your budget by taking a large amount for your home loan
It is important that you stick well within your financial boundaries when you are applying for a home loan. Don’t take a home loan that will give you problems when you have to pay it back.
There are a number of issues that go into the actual administration and documentation of getting a home loan. Legal matters also have to be addressed. Take your time and ensure that you are not only happy with your choice but that you can actually maintain the payment plan too. Consultant estate experts if there is a reason to do but don’t be so quick to take important decisions.
All decisions are subject to your credit profile
As much as we would like to assist everybody, we can’t help clients that have a bad credit profile as we don't offer bad credit loans. It wouldn’t be financially practical to do this.
We want to help everybody who comes knocking on our door but we also need to ensure that you are able to pay for the loan that you are applying for. We don’t want you to ruin your credit profile as it may take a number of years to have it fixed. If you feel that you can afford the home loan, we still have to confirm this by requesting that you send us your bank statements and your payment patterns on other loans and credit cards.
Santander is a trusted & reliable provider of property finance
In our review, Santander adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.
Santander is a registered credit provider in the UK; FCA number 106054
Customer Reviews & Testimonials
Very helpful to have such flexible repayment terms on our property finance.
— London —
We have used them in the past for our first home. The service was good then, it's great now.
— London —
Santander Contact Details
- not available
- 10a Leather Ln Holborn London EC1N 7YH United Kingdom
- Get Directions
- Monday 09:00 – 17:00
- Tuesday 09:00 – 17:00
- Wednesday 10:00 – 17:00
- Thursday 09:00 – 17:00
- Friday 09:00 – 17:00
- Saturday – Closed
- Sunday – Closed