TRACKER · RESIDENTIAL
Santander 2-Year Tracker
Product code SAN-TRK-80 · Rates as of 23 Jul 2026
Key figures
| Initial rate | 4.44% tracker |
| Initial period | 2 years |
| Follow-on rate | 8.24% (SVR) |
| Max LTV | 80% |
| Loan range | £2,500,000 – £100,000,000 |
| Term | 5 – 40 years |
| Product fee | £499 |
| APRC (representative) | 7.6% |
Features & conditions
| Features | No ERC, BoE + 0.19%, Overpay unlimited |
| Eligibility | Residential borrowers with at least 20% equity. |
About this product
A no-ERC tracker at Bank of England base + 0.19%. Payments move with the base rate; there's no penalty for repaying early.