Santander Mortgage Switch - a comprehensive guide

We can still help you switch your mortgage product with Santander if your credit circumstances have changed. This could include things like,

• Missed credit card payments
• Overdrafts and banking arrears
• Lated and missed personal loan payments
• County Court Judgements (CCJ's)
• Utility providers arrears
• Mobile phone provider arrears
• Low credit scores
• Adverse credit file information

If you have changed jobs or roles which has meant a change in salary or a general change in employement such as change in industry - we can still help you switch. You may have also decided to go self employed and may not have a full years accounts.

Your income may have changed, reduced or you may currently be unemployed. We can still help you switch.

Some banks do offer product transfer or switch rates direct to customers. Unfortunately they can only tell about their products ! - which may not be the best rates on the market compared with other Banks. We compare rates from all banks and provide you with independent opinion.

Remortgaging is an option if you want to make changes to your mortgage. Our adviser firms will confirm with you the best options for you.

Please make an enquiry using our contact us form.

A FCA regulated adviser will call you to talk you through the process and complete a short form.

Once the form is completed the adviser will return some suitable products

They will then Switch your product directly with Santander

There are NO adviser or Brokerage fees for Remortgages and Product Switches with Switch Rates.

There are no Valuation fees involved with Switching your mortgage with Santander.

• If you would like to contest a banks 'automated' valuation during the switching process a revaluation fee may be applicable.

Please look at the product fees section of the products available from Santander. They offer a range of products that do NOT have any arrangement or products fees.

There is no conveyancing or 'legals' during the Santander mortgage switching process. No fees are payable.

Switching a mortgage product with Santander usually takes a couple of days.

You can switch up to 90 days before your current Santander product expires. If you decide to switch during this time, Santander will waive any product penalties due.

You can still switch if you have an interest only mortgage.