Santander is one of the UK’s biggest mortgage lenders — offering great affordability, clear lending criteria, and strong support for employed and self-employed borrowers. Their income multiples are among the most generous on the high street, and their digital processing makes getting a decision fast and efficient.
At Mortgage Knight, we recommend Santander for clients who want competitive deals, high borrowing capacity, and a lender with no-nonsense underwriting.
Whether you’re employed, self-employed, or a high earner looking to maximise borrowing on a mainstream mortgage, Santander could be your best match.
Speak to Mortgage Knight today, and we’ll walk you through your options — making sure your case is matched to the best Santander product available.
A: Santander can offer up to 5.5x your income, especially for high earners and professional applicants. This makes them ideal for borrowers looking to maximise affordability on the high street.
A: Yes. Santander accepts sole traders and directors, typically needing 2 years of accounts. Income is assessed using net profit or salary + dividends, depending on structure.
A: Yes. Santander accepts both probationary periods and fixed-term contracts, especially if you’ve worked in a similar field previously.
A: They accept basic salary, bonus, commission, and overtime — usually using an average of 6–12 months for variable income.
A: Santander offers mortgages from 5% deposit (95% LTV) for first-time buyers. Better rates become available with 10%, 15%, or 25%+ deposits.
A: Yes. Santander allows capital raising for most common reasons — including home improvements, buying out equity, or debt consolidation.
A: Yes — and applying through Mortgage Knight means your case is professionally packaged, ensuring the best shot at approval with minimal stress.
