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Santander offers 98% mortgage for first-time buyers – with strict rules

03.02.2026 19:04 | The Guardian World

Fixed-rate loan will not be available on flats and new-builds, and loan must be no more than 4.45 times salaryOne of Britain’s biggest banks has launched a mortgage that lets first-time buyers borrow up to 98% of the property’s value – but experts said the “very strict” rules would exclude many people and property types.Santander said this was the first time for years that a major high street bank had gone beyond the traditional 95% borrowing limit, and some mortgage brokers called it a “bold and significant” move that would help more first-time buyers achieve their home ownership dreams. Continue reading...

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