Santander Offset Mortgages

Latest Deal - NatWest 2 Year Fixed »NatWest Mortgages

Call FREE - 0800 158 2934 

1.41%Reverts to 3.75% after 2 years

Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term. Early redemption charges may apply.

With a Santander flexible offset mortgage, customers may receive benefits in the following areas:


  • Customers are free to overpay whenever they choose, allowing them to save more on their interest repayments, equally, customers can also take a payment holiday
  • With Santander, customers may also benefit from their added flexibility, as their offset mortgages are tracked by the Bank of England’s base interest rate
  • If necessary, these offset mortgages can be taken out on a long term basis, eliminating the need to find a better deal after just a few years
  • Customers could also benefit from a Santander benefits package, including a free valuation, payment of legal fees, and £250 cashback for customers who are moving home (note, if the mortgage is repaid within two years, this money may need to be refunded to Santander)

Use the FREE mortgage calculator below to compare Santander offset mortgages with other similar offers and mortgage deals:


About you
Your income
Partner income
Income = £67,000
This calculates your maximum loan
Your property
Property value
Your deposit
Borrow = £165,000
Your loan to value (LTV) = 68%
Your mortgage
Mortgage Type
Payment Method
Payment Term

No mortgages were found which match these requirements. Please use the search form above to find mortgages which suit your precise requirements.

Santander are a large financial services provider that claim to offer a wide range of personal and business related products and services. Focusing on retail and commercial banking, the company claims to be the most efficient financial services provider in the UK.

Santander offset mortgages may be highly useful for customers who have sufficient money in savings or other accounts that be committed to their mortgage repayments.

Using this type of agreement, customers can effectively use the interest on their savings to offset the cost of their repayments, allowing them to save a considerable amount of money in the right circumstances.

The offset mortgage deals we have featured on our product comparison table should be useful for you if you are looking to get a range of options before you commit to a particular deal.


The above mortgage products highlighted on this website are available directly through lenders who will be able to provide further information about the product you are interested in. If you are unsure about what mortgage product is suitable for you, we suggest you speak to an independent mortgage broker