2.98% APRC Secured Loans Santander – Low Rate Homeowner loan

Secured Loans Santander UK

  • Borrow over £10,000 with Secured Loans Santander
  • You don’t need to be an existing Santander Bank customer
  • Loan to Value up to 90%
  • Keep your own mortgage
  • 2.98% APRC rate

 









Santander secured loans

Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Masthaven Bank Ltd: Masthaven Bank Ltd 2nd Mortgage – find the best type of loan

Total payable
£29,824
Fees
£2,365
Overall cost for comparison
5.0% APRC
To pay off balance over 300 months
£91.53 p/m

Together second mortgage
Together: Together second mortgage
Total payable
£37,292.30
Fees
£2,378.30
Overall cost for comparison
7.4% APRC
To pay off balance over 300 months
£116.38 p/m

Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees
Step One Finance Limited: Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees

Total payable
£37,591
Fees
£1,870
Overall cost for comparison
7.5% APRC
To pay off balance over 300 months
£119.07 p/m

Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards
Central Trust Ltd: Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards

Total payable
£43,432
Fees
£2,365
Overall cost for comparison
9.2% APRC
To pay off balance over 300 months
£136.89 p/m

Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans – Santander Secured Loans could be a better deal
Norton Home Loans: Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans

Total payable
£44,439.50
Fees
£2,337.50
Overall cost for comparison
9.5% APRC
To pay off balance over 300 months
£140.34 p/m

Optimum Credit Ltd Second Charge
Optimum Credit Ltd: Optimum Credit Ltd Second Charge
Total payable
£44,915
Fees
£2,465
Overall cost for comparison
9.6% APRC
To pay off balance over 300 months
£141.50 p/m

Overall representative example

Based on borrowing

£18,000 over 120 months

The overall cost of comparison

9.1% APRC representative

Borrowing rate

6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71

Broker fee

£1,530

Lender fee

£495

Total amount payable

£26,945.40 comprised of a loan amount of £18,000 and interest of £6,920.40

Santander secured personal loans

Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Masthaven Bank Ltd: Masthaven Bank Ltd 2nd Mortgage – find the best type of loan

Total payable
£31,548
Fees
£2,475
Overall cost for comparison
5.0% APRC
To pay off balance over 300 months
£96.91 p/m

Together second mortgage
Together: Together second mortgage
Total payable
£39,487.20
Fees
£2,518.20
Overall cost for comparison
7.4% APRC
To pay off balance over 300 months
£123.23 p/m

Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees
Step One Finance Limited: Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees

Total payable
£39,801
Fees
£1,980
Overall cost for comparison
7.5% APRC
To pay off balance over 300 months
£126.07 p/m

Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards
Central Trust Ltd: Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards

Total payable
£45,957
Fees
£2,475
Overall cost for comparison
9.2% APRC
To pay off balance over 300 months
£144.94 p/m

Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans
Norton Home Loans: Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans

Total payable
£47,055
Fees
£2,475
Overall cost for comparison
9.5% APRC
To pay off balance over 300 months
£148.60 p/m

Optimum Credit Ltd Second Charge – Homeowner Loans Santander can be a much better deal
Optimum Credit Ltd: Optimum Credit Ltd Second Charge

Total payable
£47,521
Fees
£2,575
Overall cost for comparison – Santander Homeowner Loans are a lower rate
9.6% APRC
To pay off balance over 300 months
£149.82 p/m

Overall representative example

Based on borrowing

£18,000 over 120 months

The overall cost of comparison

9.1% APRC representative

Borrowing rate

6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71

Broker fee

£1,530

Lender fee

£495

Total amount payable

£26,945.40 comprised of a loan amount of £18,000 and interest of £6,920.40

Santander secured loans uk

Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Masthaven Bank Ltd: Masthaven Bank Ltd 2nd Mortgage – find the best type of loan

Total payable
£48,800
Fees
£3,575
Overall cost for comparison
4.9% APRC
To pay off balance over 300 months
£150.75 p/m

Together second mortgage
Together: Together second mortgage
Total payable
£61,424.20
Fees
£3,917.20
Overall cost for comparison
7.4% APRC
To pay off balance over 300 months
£191.69 p/m

Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees
Step One Finance Limited: Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees

Total payable
£61,916
Fees
£3,080
Overall cost for comparison
7.5% APRC
To pay off balance over 300 months
£196.12 p/m

Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards
Central Trust Ltd: Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards

Total payable
£71,278
Fees
£3,640
Overall cost for comparison
9.1% APRC
To pay off balance over 300 months
£225.46 p/m

Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans
Norton Home Loans: Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans

Total payable
£73,195
Fees
£3,850
Overall cost for comparison
9.5% APRC
To pay off balance over 300 months
£231.15 p/m

Optimum Credit Ltd Second Charge
Optimum Credit Ltd: Optimum Credit Ltd Second Charge
Total payable
£73,593
Fees
£3,675
Overall cost for comparison
9.5% APRC
To pay off balance over 300 months
£233.06 p/m

Overall representative example

Based on borrowing

£18,000 over 120 months

The overall cost of comparison

9.1% APRC representative

Borrowing rate

6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71

Broker fee

£1,530

Lender fee

£495

Total amount payable

£26,945.40 comprised of a loan amount of £18,000 and interest of £6,920.40

Secured loans Santander

Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Masthaven Bank Ltd: Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Total payable
£22,560.20
Fees
£1,925
Overall cost for comparison
5.1% APRC
To pay off balance over 288 months
£71.65 p/m

Together second mortgage
Together: Together second mortgage
Total payable
£27,932.48
Fees
£1,880
Overall cost for comparison
7.4% APRC
To pay off balance over 288 months
£90.46 p/m

Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees
Step One Finance Limited: Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees
Total payable
£28,067.12
Fees
£1,430
Overall cost for comparison
7.5% APRC
To pay off balance over 288 months
£92.49 p/m

Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards
Central Trust Ltd: Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards

Total payable
£32,441.48
Fees
£1,925
Overall cost for comparison
9.3% APRC
To pay off balance over 288 months
£105.96 p/m

Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans
Norton Home Loans: Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans

Total payable
£33,055.66
Fees
£1,787.50
Overall cost for comparison
9.5% APRC
To pay off balance over 288 months
£108.57 p/m

Optimum Credit Ltd Second Charge
Optimum Credit Ltd: Optimum Credit Ltd Second Charge
Total payable
£33,546.60
Fees
£2,025
Overall cost for comparison
9.7% APRC
To pay off balance over 288 months
£109.45 p/m

Overall representative example

Based on borrowing

£18,000 over 120 months

The overall cost of comparison

9.1% APRC representative

Borrowing rate

6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71

Broker fee

£1,530

Lender fee

£495

Total amount payable

£26,945.40 comprised of a loan amount of £18,000 and interest of £6,920.40

 

Santander homeowner loans

Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Masthaven Bank Ltd: Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Total payable
£14,164.60
Fees
£1,705
Overall cost for comparison
8.7% APRC
To pay off balance over 72 months
£173.05 p/m

Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees
Step One Finance Limited: Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees
Total payable
£14,674.72
Fees
£1,210
Overall cost for comparison
10.0% APRC
To pay off balance over 72 months
£187.01 p/m

Together second mortgage
Together: Together second mortgage- Santander Secured Personal Loans is likely to be a lower rate overall.
Total payable
£15,030.40
Fees
£1,660
Overall cost for comparison
10.9% APRC
To pay off balance over 72 months
£185.70 p/m

Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans
Norton Home Loans: Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans
Total payable
£15,710.18
Fees
£1,512.50
Overall cost for comparison
12.5% APRC
To pay off balance over 72 months
£197.19 p/m

Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards
Central Trust Ltd: Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards
Total payable
£15,785.32
Fees
£1,705
Overall cost for comparison
12.7% APRC
To pay off balance over 72 months
£195.56 p/m

Optimum Credit Ltd Second Charge
Optimum Credit Ltd: Optimum Credit Ltd Second Charge
Total payable
£16,042.28
Fees
£1,805
Overall cost for comparison
13.3% APRC
To pay off balance over 72 months
£197.74 p/m

Overall representative example

Based on borrowing

£18,000 over 120 months

The overall cost of comparison

9.1% APRC representative

Borrowing rate

6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71

Broker fee

£1,530

Lender fee

£495

Total amount payable

£26,945.40 comprised of a loan amount of £18,000 and interest of £6,920.40

Homeowner loans Santander

Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Masthaven Bank Ltd: Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Total payable
£17,247.56
Fees
£1,925
Overall cost for comparison
7.4% APRC
To pay off balance over 96 months
£159.61 p/m

Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees
Step One Finance Limited: Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees

Total payable
£18,382.64
Fees
£1,430
Overall cost for comparison
9.2% APRC
To pay off balance over 96 months
£176.59 p/m

Together second mortgage
Together: Together second mortgage
Total payable
£18,678.08
Fees
£1,880
Overall cost for comparison
9.6% APRC
To pay off balance over 96 months
£174.98 p/m

Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards
Central Trust Ltd: Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards

Total payable
£19,886.60
Fees
£1,925
Overall cost for comparison – Santander Secured Loans Uk could be better
11.4% APRC
To pay off balance over 96 months
£187.10 p/m
See Deal
Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans
Norton Home Loans: Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans

Total payable
£19,942.06
Fees
£1,787.50
Overall cost for comparison
11.5% APRC
To pay off balance over 96 months
£189.11 p/m

Optimum Credit Ltd Second Charge
Optimum Credit Ltd: Optimum Credit Ltd Second Charge
Total payable
£20,243.88
Fees
£2,025
Overall cost for comparison
11.9% APRC
To pay off balance over 96 months
£189.78 p/m
See Deal
Overall representative example

Based on borrowing

£18,000 over 120 months

The overall cost of comparison

9.1% APRC representative

Borrowing rate not with Secured Loans Santander

6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71

Broker fee

£1,530

Lender fee

£495

Total amount payable

£26,945.40 comprised of a loan amount of £18,000 and interest of £6,920.40

Santander homeowner loan competitor comparison

Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Masthaven Bank Ltd: Masthaven Bank Ltd 2nd Mortgage – find the best type of loan
Total payable
£23,833.40
Fees
£2,255
Overall cost for comparison
5.7% APRC
To pay off balance over 180 months
£119.88 p/m

Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees
Step One Finance Limited: Step One Finance Limited annual percentage rate and loan repayments plus arrangement fees

Total payable
£27,485.60
Fees
£1,760
Overall cost for comparison – Santander Homeowner Loan could be a lower overall cost
8.0% APRC
To pay off balance over 180 months
£142.92 p/m

Together second mortgage
Together: Together second mortgage
Total payable
£27,564.40
Fees
£2,238.40
Overall cost for comparison
8.0% APRC
To pay off balance over 180 months
£140.70 p/m

Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards
Central Trust Ltd: Central Trust Ltd allow you to borrow at a great loan to value but they will look at your credit report and credit cards

Total payable
£30,615.80
Fees
£2,255
Overall cost for comparison
9.8% APRC
To pay off balance over 180 months
£157.56 p/m

Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans
Norton Home Loans: Norton Home Loans apply for a secured mortgage with a great interest rate – variable rate debt consolidation loans

 

Total payable
£31,068.40
Fees
£2,200
Overall cost for comparison
10.1% APRC
To pay off balance over 180 months
£160.38 p/m

Optimum Credit Ltd Second Charge
Optimum Credit Ltd: Optimum Credit Ltd Second Charge
Total payable
£31,394.40
Fees
£2,355
Overall cost for comparison
10.3% APRC
To pay off balance over 180 months
£161.33 p/m

Overall representative example

Based on borrowing

£18,000 over 120 months

The overall cost of comparison

9.1% APRC representative

Borrowing rate

6.5% per annum for the first 60 months, followed by 60 months at the lender’s standard variable borrowing rate of 4.95% above Bank of England Base Rate. There would be 60 monthly instalments of £227.38 followed by 60 instalments of £221.71

Broker fee

£1,530

Lender fee

£495

Total amount payable

£26,945.40 comprised of a loan amount of £18,000 and interest of £6,920.40

 

For lower amounts of money some people prefer No credit check debt consolidation loans

https://www.santander.co.uk/

Santander UK plc. Registered Office: 2 Triton Square, Regent’s Place, London, NW1 3AN, United Kingdom. Registered Number 2294747.

Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored.

Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.