Santander announces increases to residential and buy-to-let rates

New business and product transfer fixed rates are seeing increases.

Related topics:  Mortgage rates,  Santander
Rozi Jones | Editor, Financial Reporter
13th January 2026
Santander sign

From tomorrow, 14th January, Santander is increasing selected new business residential fixed rates alongside product transfer residential and buy-to-let rates.

In Santander's residential home mover range, including new build, all 60% and 75% LTV three-year fixed rates are increasing by up to 0.10% and all 60% and 95% LTV five-year fixed rates are rising by up to 0.10%.

For first-time buyers, 90% and 95% LTV five-year fixed rates will rise by up to 0.06%.

Residential remortgage customers will see increases of up to 0.07% to 60% and 75% LTV five-year fixed rates.

In the lender's product transfer range, all residential 60% and 75% LTV five and seven-year fixed rates increasing by up to 0.07%. All buy-to-let 60% LTV two and five-year fixed rates are also rising by up to 0.06%.

There are no changes to tracker rates or Santander's new business large loan and buy-to-let ranges.

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