Santander BTL Mortgage Rates

Santander Buy to Let Mortgage Rates Tables allows you to see all the Santander BTL mortgage rates in one table. The link above allows you to visit Santander's website to check their mortgage criteria, or you can just give us a call.

If you would like to compare the whole buy to let market try our buy to let mortgage quote tool. The rates are updated daily and you can compare all the major BTL mortgage lenders mortgages products. We also offer no fee mortgage broker advice on the Santander buy to let mortgage range.

Santander Buy to Let Mortgage Rates

Current Santander buy to let mortgage rates based on a property value of £200,000 and a mortgage of £120,000 . This represents a 60% LTV interest-only buy to let mortgage.

Santander's lowest current 2 year fixed buy to let mortgage rate is 4.89% with a £1,749 product fee. Its lowest current 5 year fixed buy to let mortgage rate is 4.96% with a £1,749 product fee. Rates checked 28 October 2026.

Showing 2 out of 2 matching Santander buy to let mortgage rates, correct as of 28/10/2026.

Santander buy to let mortgage rates for a £120,000 interest-only buy to let mortgage on a £200,000 property
Lender Initial Rate Rate Type Max LTV Fees APRC Monthly Payment More Information
Lender Santander UK Plc Initial Rate 4.89% then 6.5% variable Rate Type Fixed for 2 years Max LTV 60% Fees £1,749.00 Product Fee APRC 6.6% Monthly Payment £489.00 Initial Monthly Payment More Information More information
Lender Santander UK Plc Initial Rate 4.96% then 6.5% variable Rate Type Fixed for 5 years Max LTV 60% Fees £1,749.00 Product Fee APRC 6.2% Monthly Payment £496.00 Initial Monthly Payment More Information More information

Santander Buy to Let Mortgage Product Details

Santander UK Plc Intermediary BTL 2 Year Fixed £1749 Fee Purchase (Scottish)

Mortgage Summary

For the first 2 years the mortgage rate is 4.89% giving you a monthly payment of £489.00 .

After your fixed rate ends, you will move to the Santander UK Plc standard variable rate which is currently 6.5% . This would give you a monthly payment of £650.00 .

The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.

The true cost of this mortgage over the initial period is £15,177.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.

Fee Breakdown

Product Fee The product fee shown for this mortgage is £1,749.00.
Booking Fee £0.00
Arrangement Fee £1,749.00
Telegraphic Transfer Fee £0.00
Valuation Fee Free valuation
Total Fees £1,974.00
Early Repayment Charge 02-Feb-2029

Repayments

Initial Monthly Payment

£489.00

Ongoing Monthly Payment

£650.00

True Cost Over Initial Period

£15,177.00

Total Amount Repayable

£192,627.00

More information about this mortgage

Intermediary BTL 2 Year Fixed £1749 Fee Purchase (Scottish) - Mortgage Details

Lender: Santander UK Plc

Mortgage type: Buy to Let Mortgage

Rate type: Fixed

Initial rate: 4.89%

Initial rate period: 2 years

Initial monthly payment: £489.00

Monthly payment after initial period: £650.00

Standard Variable Rate: 6.5%

Maximum LTV: 60%

Product fee: The product fee shown for this mortgage is £1,749.00.

Arrangement fee: £1,749.00

Booking fee: £0.00

Telegraphic transfer fee: £0.00

Valuation fee: Free valuation

Total fees: £1,974.00

APR: 6.6%

Early repayment charge: 02-Feb-2029

True cost over initial period: £15,177.00

True cost over full mortgage term: £192,627.00

Santander UK Plc Intermediary BTL 5 Year Fixed £1749 Fee Purchase (Scottish)

Mortgage Summary

For the first 5 years the mortgage rate is 4.96% giving you a monthly payment of £496.00 .

After your fixed rate ends, you will move to the Santander UK Plc standard variable rate which is currently 6.5% . This would give you a monthly payment of £650.00 .

The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.

The true cost of this mortgage over the initial period is £33,222.00 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.

Fee Breakdown

Product Fee The product fee shown for this mortgage is £1,749.00.
Booking Fee £0.00
Arrangement Fee £1,749.00
Telegraphic Transfer Fee £0.00
Valuation Fee Free valuation
Total Fees £1,974.00
Early Repayment Charge 02-Feb-2032

Repayments

Initial Monthly Payment

£496.00

Ongoing Monthly Payment

£650.00

True Cost Over Initial Period

£33,222.00

Total Amount Repayable

£187,272.00

More information about this mortgage

Intermediary BTL 5 Year Fixed £1749 Fee Purchase (Scottish) - Mortgage Details

Lender: Santander UK Plc

Mortgage type: Buy to Let Mortgage

Rate type: Fixed

Initial rate: 4.96%

Initial rate period: 5 years

Initial monthly payment: £496.00

Monthly payment after initial period: £650.00

Standard Variable Rate: 6.5%

Maximum LTV: 60%

Product fee: The product fee shown for this mortgage is £1,749.00.

Arrangement fee: £1,749.00

Booking fee: £0.00

Telegraphic transfer fee: £0.00

Valuation fee: Free valuation

Total fees: £1,974.00

APR: 6.2%

Early repayment charge: 02-Feb-2032

True cost over initial period: £33,222.00

True cost over full mortgage term: £187,272.00

Your home may be repossessed if you do not keep up repayments on your mortgage


The APRC quoted is representative and for example purposes, it is based on a £200,000 property with a £120,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct representative whole of market panel of lenders.

Buy to Let Mortgage Best Buys


Most Buy-to-Let Mortgages are not regulated by the Financial Conduct Authority

Do you Require No Fee BTL Mortgage or Remortgage Advice?

Go Direct offer you no fee buy to let mortgage advice on the UK BTLs from a representative whole of market panel of lenders. Once you compare the Santander BTL mortgage rates & remortgage products above would like one of our professional mortgage advisors to help you find the most suitable mortgage for your home? We offer no fee simply advice and complete your mortgage application over the phone for you. Just complete our mortgage advice form and we will contact you to discuss your mortgage requirements at a time to suit you.

We normally do not charge a fee for mortgage advice, however this is dependent on your circumstances such as complex cases or debt consolidation. Our typical fee would be £399.

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