Manage your mortgage

Manage your mortgage quickly and easily using the Mobile Banking app and Online Banking. For mortgage-only customers, you’ll need to enter your mortgage account number to get access. If you have another account with us (such as a current or savings account) as well as a mortgage, we’ll only ask for the card number or the sort code and account number. We won’t ask for the mortgage account number.

We’re here to help if it feels like things are getting on top of you. Take a look at our if finances are a struggle page for more information.

Already have Online Banking?

Log on, choose your mortgage account and then 'Manage my Mortgage'

Get online

You can get instant access to Mobile and Online Banking using your account details. You’ll need to have the mobile phone number that's currently registered for One Time Passcodes (OTPs) to hand.
Mobile and Online Banking log on details are the same.

Download the app

(You'll need log on details to get started)

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Making an overpayment

Making one or more overpayments could reduce your mortgage balance and the amount of interest you pay, which may help to pay off your mortgage earlier.

If you're thinking of paying off your mortgage in full, take a look at look at our paying off your mortgage early page for more information.

How much can you overpay?

How much you can overpay will depend on whether your Santander mortgage is on a fixed rate or not.

On a fixed rate:

Overpay up to 10% of the outstanding balance each calendar year (January to December) without paying an early repayment charge. If you don’t use your full 10% allowance in any calendar year, you won’t be able to carry it over to future years.

• If you overpay more than 10% of the outstanding balance each calendar year, you’ll have to pay an early repayment charge on the amount over 10%. You can find out what your early repayment charge will be in Mobile or Online Banking, your original mortgage offer, or annual mortgage statement.
• You won’t be able to use the 10% allowance if you’re paying off your mortgage in full or transferring to a new deal where you need to pay an early repayment charge.

Not on a fixed rate:

You can make unlimited overpayments without paying an early repayment charge.

Types of overpayment

Single overpayments

You can make single overpayments online using a debit card in your name or a Santander current or savings account. Visit our contact us page for step-by-step instructions on how to make overpayments. You’ll need to have a single loan mortgage.

Regular overpayments

You can also set up regular overpayments. You’ll make these additional payments on top of your monthly mortgage payment by amending your Direct Debit. Visit our contact us page for step-by-step instructions on how to make overpayments.

Not set up for Online or Mobile Banking? You can sign up online

If you’re not able to make overpayments online, please call us to speak with a member of our mortgage team.

Interest only mortgage

If you have an interest only mortgage, you can set up overpayments online. However, you can only choose to reduce your mortgage payments. If you’d like to reduce your mortgage term, please call us.

How much could you save?

Overpayments calculator

If you’re looking to reduce your monthly payments or pay your mortgage off sooner, making an overpayment to your mortgage may help you do it

Online Banking

Make an overpayment when it suits you. Log on, select your mortgage account and then ‘Manage my mortgage'.

Mobile Banking

You can now set up, edit and cancel regular overpayments in our mobile app

Don’t have our mobile app? You can download our app for your phone or device, you can use the same details you use for Online Banking

Alternatively, you can get in touch with our mortgage team. Our opening hours are 8am-6pm Monday to Friday, and 9am-2pm Saturday.

Changing your mortgage term or repayment method

The Mortgage Charter aims to help customers who are struggling to pay their mortgage. In line with the Government Mortgage Charter there are two ways to change your mortgage.

Using the Mortgage Charter

• You can switch to interest only for 6 months or increase your mortgage term. You can only make one change under the Charter
• There’s no fee for doing this
• There’s no affordability check or advice provided
• We won’t do a credit search, so it won’t show on your credit file.
• If you’re increasing your term a maximum age limit and term applies.
• Buy to Let mortgages are excluded.
• You can cancel and go back to your original terms within 6 months without an affordability check or a credit search. To cancel your request, please call us 0800 783 9738.

Already have Mobile and Online Banking? Log on, choose your mortgage account, then click ‘Manage my mortgage’. Or give us a call on 0800 917 5630. Lines are open 9am to 7pm Monday to Friday and 9am to 2pm Saturday.

Without using the Mortgage Charter

• You can change your method of repayment and mortgage term
• There’s currently no fee for doing this
• We carry out an affordability check and provide advice
• We’ll do a credit search which will show on your credit file.
• If you change to an interest only mortgage, you’ll need a suitable repayment plan in place to pay off the capital at the end of your term. For example, from a mortgage-related endowment policy or ISA.
• If you’re changing your method of repayment or term a maximum age limit and term applies.
• If you make a change to your mortgage, you may not be able to go back to your original terms in the future. Any changes will be subject to an affordability check and our lending policy at the time.
• You’ll need to provide evidence of your income.
• We’ll also need specific documents from you. Please see our list of documents you may need for your circumstances.

Already have Mobile and Online Banking? Log on, choose your mortgage account, then click ‘Manage my mortgage’. We’ll then contact you to finish your application over the phone. Or give us a call on 0800 051 5579. Lines are open 9am to 7pm Monday to Friday and 9am to 2pm Saturday.

Before you get in touch
You may want to use our changes to my existing mortgage calculator first to see the impact on your monthly mortgage payments.