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Gordon Blair Mortgage & Insurance Brokers
Mortgage & Protection Brokers - Norbury & Streatham
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Santander Mortgages – Flexible Options Backed by a Trusted Name
At Gordon Blair Financial Services, we work closely with major UK lenders like Santander to help you secure a mortgage that fits your goals — whether you’re buying your first home, moving up the property ladder, or remortgaging for a better deal.
Santander is one of the UK’s most trusted high-street banks, offering competitive rates, flexible criteria, and quick decisions. Our advisors handle everything from comparing products to submitting your application, so you can move forward confidently.
Why Choose a Santander Mortgage?
- ✔ Higher Borrowing Potential – Borrow up to 5.5× your income.
- ✔ Ideal for Employed Clients – Bonuses, overtime, and commission can be included.
- ✔ Self-Employed Friendly – Usually accepts two years of accounts or SA302s.
- ✔ Remortgage Incentives – Cashback or free legal work available on selected deals.
- ✔ Quick & Transparent Process – Straightforward from start to finish.
Who Can Benefit from a Santander Mortgage?
- 🏠 First-time buyers needing a reliable, mainstream lender
- 🔑 Home movers wanting a smooth, stress-free process
- 💼 Employed clients with variable income such as bonuses or commission
- 🧾 Self-employed borrowers with consistent trading history
- 💰 Those seeking higher borrowing limits and competitive rates
Types of Santander Mortgages
- 📍 First-time buyer mortgages
- 🏡 Home mover mortgages
- 🔁 Remortgages and product transfers
- 💳 Capital raising for home improvements or debt consolidation
- 💡 Interest-only and part-and-part options (with valid repayment plan)
Frequently Asked Questions
1. How much can I borrow with Santander?
Depending on your income and circumstances, you may be able to borrow up to 5.5× your annual income.
2. Does Santander accept self-employed applicants?
Yes — Santander generally requires two years of accounts or SA302s. Income is assessed based on your business structure and consistency.
3. Can I remortgage to Santander?
Yes, Santander offers a range of remortgage products, many including cashback or free legal work.
4. Will Santander lend if I have some credit issues?
Santander generally prefers applicants with a clean or near-clean credit history.
If you have past credit issues, our advisors can recommend suitable alternatives.
5. How long does it take to get a mortgage offer?
Once documents are submitted, standard applications typically receive a mortgage offer within 1–2 weeks.
6. Can I make overpayments?
Yes — Santander allows most borrowers to make overpayments of up to 10% per year without penalties.
The information provided here is for general guidance only and may not reflect your individual circumstances. Mortgage eligibility, rates, and criteria vary between applicants. You must speak to one of our Gordon Blair Financial Services advisors for personalised advice before making any decisions.