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Sorry to pile in AJS (and this isn't limited to Santander only) but why do Santander send out a bulletin saying the following:
On Friday 17 January, we’re making changes in our new business and product transfer ranges. This includes residential fixed rate increases of up to 0.34% and reductions of up to 0.29%.
So, do I need to push my clients in case the rate I've recommended is going up.....or is the rate going down. Absolute no help at all - why not just tell us exactly what the changes are!
Especially if the aim is to bring brokers back
Many other lenders are able to communicate all changes clearly
