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Compare Santander Loans

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 0.92%
Rate type: Fixed 27 months
Monthly cost: £559.89 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
Barclays Mortgage logo 0.92% Fixed 27 months 3.2% APRC 60% £999 £559.89 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.92%
Rate type: Fixed 27 months
Monthly cost: £559.89 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest logo 0.92% Fixed 27 months 3.2% APRC 60% £995 £559.89 per month get quotes Call direct0800 068 8567
Initial rate: 0.92%
Rate type: Fixed 27 months
Monthly cost: £559.89 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest Int Sols logo 0.92% Fixed 27 months 3.2% APRC 60% £995 £559.89 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.92%
Rate type: Fixed 26 months
Monthly cost: £559.89 per month
Max LTV: 60%
Product fee: £1,499
Overall cost for comparison: 3.9% APRC
Platform logo 0.92% Fixed 26 months 3.9% APRC 60% £1,499 £559.89 per month get quotes Call us0117 403 4474
Initial rate: 0.92%
Rate type: Fixed 27 months
Monthly cost: £559.89 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
Royal Bank of Scotland logo 0.92% Fixed 27 months 3.2% APRC 60% £995 £559.89 per month get quotes Call direct0800 068 7706
Initial rate: 0.94%
Rate type: Fixed 27 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.2% APRC
HSBC logo 0.94% Fixed 27 months 3.2% APRC 60% £999 £561.24 per month get quotes Call us0117 403 4474
Initial rate: 0.94%
Rate type: Fixed 24 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £999
Overall cost for comparison: 3.3% APRC
Nationwide BS logo 0.94% Fixed 24 months 3.3% APRC 60% £999 £561.24 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.94%
Rate type: Fixed 27 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest logo 0.94% Fixed 27 months 3.2% APRC 60% £995 £561.24 per month get quotes Call direct0800 068 8567
Initial rate: 0.94%
Rate type: Fixed 27 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
NatWest Int Sols logo 0.94% Fixed 27 months 3.2% APRC 60% £995 £561.24 per month get quotes Call us0117 403 4474 Broker Only Deal
Initial rate: 0.94%
Rate type: Fixed 27 months
Monthly cost: £561.24 per month
Max LTV: 60%
Product fee: £995
Overall cost for comparison: 3.2% APRC
Royal Bank of Scotland logo 0.94% Fixed 27 months 3.2% APRC 60% £995 £561.24 per month get quotes Call direct0800 068 7706
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Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Santander Loans

Compare Santander loans

Click here for Santander Personal Loans »

Santander offer a collection of different loans for various types of borrowing, including car finance, home improvement loans and debt consolidation. 

Santander Logo  £1,000 to £20,000

3.6% APR Representative (£7,500 - £20,000)

1 to 5 years  Quotes»

Representative 3.6% APR. Based on a loan amount of £7,500 over 60 months at an interest rate of 3.6% p.a. (fixed). Monthly repayment of £136.71. Total amount repayable £8,202.60

Santander offer both unsecured personal loans and secured loans aimed at those who already have a mortgage. Depending on how much you need to borrow and how long for, it may also be worth looking at extending your current account overdraft or taking out a new credit card.

Whatever type of borrowing you are interested in, it is crucial to make sure you know everything you can about your various options. This will allow you to make an informed decision and make it much less likely you will be hit with any surprises further down the line.

Personal Loans

Santander personal loans

Personal loans tend to offer smaller amounts over relatively short periods. The application process is normally fairly fast and straightforward, so personal loans can be an attractive way to unlock additional funds when you need them.  

Advantages of Santander personal loans

  • Borrow from £1,000 to £25,000
  • Repay over 1-5 years
  • Fixed monthly repayments
  • Apply online and you should get a decision within minutes

Restrictions on Santander personal loans

  • You must be 21 or over
  • You must be a UK resident
  • Your credit rating could be affected if you do not stay on top of your loan repayments
  • Failing to repay your loan could result in a court-appointed bailiff seizing your possessions to cover the outstanding balance

Borrow more with a secured loan

If you are seeking to borrow more or for a longer period, a secured loan could be the best option. Santander offer loans secured against a property to existing mortgage holders which they refer to as Additional Loans.

How Santander Additional Loans work

  • Minimum loan of £5,000
  • Borrow up to 85% of the market value of your property, minus the cost of your existing mortgage
  • Borrow for between 5 and 35 years
  • Interest rates can be more favourable than for unsecured loans, all though this depends on various factors
  • If you fail to make your monthly repayments, you may be required to sell your property to cover the outstanding balance

To find the best deals on secured loans from across the market, head over to our secured loan calculator.

Need to borrow more than £25k?

If you need to borrow a larger sum, making sure you get the very best deal on your finance is essential. This is because, the more you borrow, the greater impact a higher or lower interest rate can have on the final amount you end up paying back.

With so many brands and loan types on the market, however, knowing which best matches your needs and personal circumstances can be very hard.

For borrowing over £25,000, secured against a property which you intend to improve, our specialist team of loan advisors can help. To find out more, simply call Fair Mortgages on 0117 313 7780 or use our contact form for a quick response.