Santander Mortgages

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  • Santander's logo'

    Santander 2 Year Fixed

    • Initial Rate
      1.44% Fixed to 02/05/2023
    • APRC
      3.00%
    • Product Fee
      £999
    • Monthly Repayment
      £595.69
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £6,000
    • Max Loan:
      £1,500,000
    • Product Description:
      1.44% Fixed to 02/05/2023
    • Incentives:
      Free valuation admin fees England, Wales, Northern Ireland
      £250 cashback On Completion or free legal fees
      free valuation fees (Max £1190)England, Wales, Northern Ireland or £95 towards valuation feesScotland

    • Initial Monthly Repayment:
      £595.69 x 27
    • Ongoing Monthly Payments:
      £726.17 x 273
    • Total Amount Payable:
      £215,552.04
    • Total Interest Payable:
      £64,328.04
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/23: 3% Outstanding Balance,to 2/3/23: £250 reclaimedCashback Reclaimed or to : 2/3/23. Legal Fee (Max £200.00)
    Continue on L&C Mortgages' website Product details
  • Santander's logo'

    Santander 2 Year Fixed

    • Initial Rate
      1.54% Fixed to 02/05/2023
    • APRC
      3.10%
    • Product Fee
      £999
    • Monthly Repayment
      £602.73
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £6,000
    • Max Loan:
      £1,500,000
    • Product Description:
      1.54% Fixed to 02/05/2023
    • Incentives:
      Free valuation admin fees
      free valuation fees (Max £1190) for properties valued Max £2
      5M

    • Initial Monthly Repayment:
      £602.73 x 27
    • Ongoing Monthly Payments:
      £726.89 x 273
    • Total Amount Payable:
      £216,738.68
    • Total Interest Payable:
      £64,714.68
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/23: 3% Outstanding Balance
    Continue on L&C Mortgages' website Product details
  • Santander's logo'

    Santander 5 Year Fixed

    • Initial Rate
      1.65% Fixed to 02/05/2026
    • APRC
      2.70%
    • Product Fee
      £999
    • Monthly Repayment
      £610.53
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £6,000
    • Max Loan:
      £1,500,000
    • Product Description:
      1.65% Fixed to 02/05/2026
    • Incentives:
      Free valuation admin fees England, Wales, Northern Ireland
      £250 cashback On Completion or free legal fees
      free valuation fees (Max £1190)England, Wales, Northern Ireland or £95 towards valuation feesScotland

    • Initial Monthly Repayment:
      £610.53 x 63
    • Ongoing Monthly Payments:
      £712.56 x 237
    • Total Amount Payable:
      £208,564.11
    • Total Interest Payable:
      £57,340.11
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/26: 5% Outstanding Balance,to 2/3/23: £250 reclaimedCashback Reclaimed or to : 2/3/23. Legal Fee (Max £200.00)
    Continue on L&C Mortgages' website Product details
  • Santander's logo'

    Santander 5 Year Fixed

    • Initial Rate
      1.89% Fixed to 02/05/2026
    • APRC
      2.80%
    • Product Fee
      £999
    • Monthly Repayment
      £627.78
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £6,000
    • Max Loan:
      £1,500,000
    • Product Description:
      1.89% Fixed to 02/05/2026
    • Incentives:
      Free valuation admin fees
      free valuation fees (Max £1190) for properties valued Max £2
      5M

    • Initial Monthly Repayment:
      £627.78 x 63
    • Ongoing Monthly Payments:
      £716.46 x 237
    • Total Amount Payable:
      £211,375.16
    • Total Interest Payable:
      £59,351.16
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/26: 5% Outstanding Balance
    Continue on L&C Mortgages' website Product details
  • Santander's logo'

    Santander 2 Year Fixed

    • Initial Rate
      1.89% Fixed to 02/05/2023
    • APRC
      3.10%
    • Product Fee
      £0
    • Monthly Repayment
      £627.78
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £25,000
    • Max Loan:
      £550,000
    • Product Description:
      1.89% Fixed to 02/05/2023
    • Incentives:
      Free valuation admin fees England, Wales, Northern Ireland
      No arrangement fees
      £250 cashback On Completion or free legal fees
      free valuation fees (Max £1190)England, Wales, Northern Ireland or £95 towards valuation feesScotland

    • Initial Monthly Repayment:
      £627.78 x 27
    • Ongoing Monthly Payments:
      £729.36 x 273
    • Total Amount Payable:
      £216,290.34
    • Total Interest Payable:
      £66,065.34
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/23: 3% Outstanding Balance,to 2/3/23: £250 reclaimedCashback Reclaimed or to : 2/3/23. Legal Fee (Max £200.00)
    Continue on L&C Mortgages' website Product details
  • Santander's logo'

    Santander 5 Year Fixed

    • Initial Rate
      2.09% Fixed to 02/05/2026
    • APRC
      2.70%
    • Product Fee
      £0
    • Monthly Repayment
      £642.37
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £25,000
    • Max Loan:
      £550,000
    • Product Description:
      2.09% Fixed to 02/05/2026
    • Incentives:
      Free valuation admin fees England, Wales, Northern Ireland
      No arrangement fees
      £250 cashback On Completion or free legal fees
      free valuation fees (Max £1190)England, Wales, Northern Ireland or £95 towards valuation feesScotland

    • Initial Monthly Repayment:
      £642.37 x 63
    • Ongoing Monthly Payments:
      £719.67 x 237
    • Total Amount Payable:
      £211,256.10
    • Total Interest Payable:
      £61,031.10
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/26: 5% Outstanding Balance,to 2/3/23: £250 reclaimedCashback Reclaimed or to : 2/3/23. Legal Fee (Max £200.00)
    Continue on L&C Mortgages' website Product details
  • Santander's logo'

    Santander 2 Year Variable

    • Initial Rate
      2.09% Variable for 2 years
    • APRC
      3.00%
    • Product Fee
      £999
    • Monthly Repayment
      £642.37
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      75%
    • Min Loan:
      £6,000
    • Max Loan:
      £1,500,000
    • Product Description:
      2.09% Variable for 2 years
    • Incentives:
      Free valuation admin fees England, Wales, Northern Ireland
      £250 cashback On Completion or free legal fees
      free valuation fees (Max £1190)England, Wales, Northern Ireland or £95 towards valuation feesScotland

    • Initial Monthly Repayment:
      £642.37 x 24
    • Ongoing Monthly Payments:
      £731.66 x 276
    • Total Amount Payable:
      £218,579.04
    • Total Interest Payable:
      £67,355.04
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/3/23: £250 reclaimedCashback Reclaimed or to : 2/3/23. Legal Fee (Max £200.00)
    Continue on L&C Mortgages' website Product details
  • Santander's logo'

    Santander 2 Year Variable

    • Initial Rate
      2.09% Variable for 2 years
    • APRC
      3.10%
    • Product Fee
      £999
    • Monthly Repayment
      £642.37
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £6,000
    • Max Loan:
      £1,500,000
    • Product Description:
      2.09% Variable for 2 years
    • Incentives:
      Free valuation admin fees
      free valuation fees (Max £1190) for properties valued Max £2
      5M

    • Initial Monthly Repayment:
      £642.37 x 24
    • Ongoing Monthly Payments:
      £731.66 x 276
    • Total Amount Payable:
      £219,379.04
    • Total Interest Payable:
      £67,355.04
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      No
    Continue on L&C Mortgages' website Product details
  • Santander's logo'

    Santander 2 Year Fixed

    • Initial Rate
      2.19% Fixed to 02/05/2023
    • APRC
      3.20%
    • Product Fee
      £0
    • Monthly Repayment
      £649.75
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £6,000
    • Max Loan:
      £550,000
    • Product Description:
      2.19% Fixed to 02/05/2023
    • Incentives:
      Free valuation admin fees
      No arrangement fees
      free valuation fees (Max £1190) for properties valued Max £2
      5M

    • Initial Monthly Repayment:
      £649.75 x 27
    • Ongoing Monthly Payments:
      £731.43 x 273
    • Total Amount Payable:
      £218,248.64
    • Total Interest Payable:
      £67,223.64
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/23: 3% Outstanding Balance
    Continue on L&C Mortgages' website Product details
  • Santander's logo'

    Santander 5 Year Fixed

    • Initial Rate
      2.24% Fixed to 02/05/2026
    • APRC
      2.90%
    • Product Fee
      £0
    • Monthly Repayment
      £653.45
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      75%
    • Max House Purchase LTV:
      75%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £6,000
    • Max Loan:
      £550,000
    • Product Description:
      2.24% Fixed to 02/05/2026
    • Incentives:
      Free valuation admin fees
      No arrangement fees
      free valuation fees (Max £1190) for properties valued Max £2
      5M

    • Initial Monthly Repayment:
      £653.45 x 63
    • Ongoing Monthly Payments:
      £722.05 x 237
    • Total Amount Payable:
      £213,318.20
    • Total Interest Payable:
      £62,293.20
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/26: 5% Outstanding Balance
    Continue on L&C Mortgages' website Product details
  • Santander's logo'

    Santander 2 Year Fixed

    • Initial Rate
      2.79% Fixed to 02/05/2023
    • APRC
      3.30%
    • Product Fee
      £999
    • Monthly Repayment
      £695.04
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £6,000
    • Max Loan:
      £1,000,000
    • Product Description:
      2.79% Fixed to 02/05/2023
    • Incentives:
      Free valuation admin fees
      free valuation fees (Max £1190) for properties valued Max £2
      5M

    • Initial Monthly Repayment:
      £695.04 x 27
    • Ongoing Monthly Payments:
      £735.40 x 273
    • Total Amount Payable:
      £221,554.28
    • Total Interest Payable:
      £69,530.28
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/23: 3% Outstanding Balance
    Continue on L&C Mortgages' website Product details
  • Santander's logo'

    Santander 2 Year Fixed

    • Initial Rate
      2.79% Fixed to 02/05/2023
    • APRC
      3.30%
    • Product Fee
      £999
    • Monthly Repayment
      £695.04
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £6,000
    • Max Loan:
      £1,000,000
    • Product Description:
      2.79% Fixed to 02/05/2023
    • Incentives:
      Free valuation admin fees England, Wales, Northern Ireland
      £250 cashback On Completion or free legal fees
      free valuation fees (Max £1190)England, Wales, Northern Ireland or £95 towards valuation feesScotland

    • Initial Monthly Repayment:
      £695.04 x 27
    • Ongoing Monthly Payments:
      £735.40 x 273
    • Total Amount Payable:
      £220,754.28
    • Total Interest Payable:
      £69,530.28
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/23: 3% Outstanding Balance,to 2/3/23: £250 reclaimedCashback Reclaimed or to : 2/3/23. Legal Fee (Max £200.00)
    Continue on L&C Mortgages' website Product details
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  • Santander's logo'

    Santander 3 Year Fixed

    • Initial Rate
      2.99% Fixed to 02/05/2024
    • APRC
      3.30%
    • Product Fee
      £999
    • Monthly Repayment
      £710.54
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £6,000
    • Max Loan:
      £1,000,000
    • Product Description:
      2.99% Fixed to 02/05/2024
    • Incentives:
      Free valuation admin fees England, Wales, Northern Ireland
      £250 cashback On Completion or free legal fees
      free valuation fees (Max £1190)England, Wales, Northern Ireland or £95 towards valuation feesScotland

    • Initial Monthly Repayment:
      £710.54 x 39
    • Ongoing Monthly Payments:
      £735.66 x 261
    • Total Amount Payable:
      £220,942.32
    • Total Interest Payable:
      £69,718.32
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/24: 3% Outstanding Balance,to 2/3/23: £250 reclaimedCashback Reclaimed or to : 2/3/23. Legal Fee (Max £200.00)
    Continue on L&C Mortgages' website Product details
  • Santander's logo'

    Santander 3 Year Fixed

    • Initial Rate
      2.99% Fixed to 02/05/2024
    • APRC
      3.30%
    • Product Fee
      £999
    • Monthly Repayment
      £710.54
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £6,000
    • Max Loan:
      £1,000,000
    • Product Description:
      2.99% Fixed to 02/05/2024
    • Incentives:
      Free valuation admin fees
      free valuation fees (Max £1190) for properties valued Max £2
      5M

    • Initial Monthly Repayment:
      £710.54 x 39
    • Ongoing Monthly Payments:
      £735.66 x 261
    • Total Amount Payable:
      £221,742.32
    • Total Interest Payable:
      £69,718.32
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/24: 3% Outstanding Balance
    Continue on L&C Mortgages' website Product details
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  • Santander's logo'

    Santander 5 Year Fixed

    • Initial Rate
      3.04% Fixed to 02/05/2026
    • APRC
      3.30%
    • Product Fee
      £999
    • Monthly Repayment
      £714.44
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £6,000
    • Max Loan:
      £1,000,000
    • Product Description:
      3.04% Fixed to 02/05/2026
    • Incentives:
      Free valuation admin fees England, Wales, Northern Ireland
      £250 cashback On Completion or free legal fees
      free valuation fees (Max £1190)England, Wales, Northern Ireland or £95 towards valuation feesScotland

    • Initial Monthly Repayment:
      £714.44 x 63
    • Ongoing Monthly Payments:
      £734.34 x 237
    • Total Amount Payable:
      £220,272.30
    • Total Interest Payable:
      £69,048.30
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/26: 5% Outstanding Balance,to 2/3/23: £250 reclaimedCashback Reclaimed or to : 2/3/23. Legal Fee (Max £200.00)
    Continue on L&C Mortgages' website Product details
  • Santander's logo'

    Santander 5 Year Fixed

    • Initial Rate
      3.04% Fixed to 02/05/2026
    • APRC
      3.30%
    • Product Fee
      £999
    • Monthly Repayment
      £714.44
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £6,000
    • Max Loan:
      £1,000,000
    • Product Description:
      3.04% Fixed to 02/05/2026
    • Incentives:
      Free valuation admin fees
      free valuation fees (Max £1190) for properties valued Max £2
      5M

    • Initial Monthly Repayment:
      £714.44 x 63
    • Ongoing Monthly Payments:
      £734.34 x 237
    • Total Amount Payable:
      £221,072.30
    • Total Interest Payable:
      £69,048.30
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/26: 5% Outstanding Balance
    Continue on L&C Mortgages' website Product details
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  • Santander's logo'

    Santander 2 Year Fixed

    • Initial Rate
      3.14% Fixed to 02/05/2023
    • APRC
      3.40%
    • Product Fee
      £0
    • Monthly Repayment
      £722.29
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      85%
    • Max House Purchase LTV:
      85%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £6,000
    • Max Loan:
      £550,000
    • Product Description:
      3.14% Fixed to 02/05/2023
    • Incentives:
      Free valuation admin fees
      No arrangement fees
      free valuation fees (Max £1190) for properties valued Max £2
      5M

    • Initial Monthly Repayment:
      £722.29 x 27
    • Ongoing Monthly Payments:
      £737.62 x 273
    • Total Amount Payable:
      £221,897.09
    • Total Interest Payable:
      £70,872.09
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/23: 3% Outstanding Balance
    Continue on L&C Mortgages' website Product details
  • Santander's logo'

    Santander 2 Year Fixed

    • Initial Rate
      3.14% Fixed to 02/05/2023
    • APRC
      3.40%
    • Product Fee
      £0
    • Monthly Repayment
      £722.29
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      0%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      85%
    • Min Loan:
      £25,000
    • Max Loan:
      £550,000
    • Product Description:
      3.14% Fixed to 02/05/2023
    • Incentives:
      Free valuation admin fees England, Wales, Northern Ireland
      No arrangement fees
      £250 cashback On Completion or free legal fees
      free valuation fees (Max £1190)England, Wales, Northern Ireland or £95 towards valuation feesScotland

    • Initial Monthly Repayment:
      £722.29 x 27
    • Ongoing Monthly Payments:
      £737.62 x 273
    • Total Amount Payable:
      £221,097.09
    • Total Interest Payable:
      £70,872.09
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/23: 3% Outstanding Balance,to 2/3/23: £250 reclaimedCashback Reclaimed or to : 2/3/23. Legal Fee (Max £200.00)
    Continue on L&C Mortgages' website Product details
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  • Santander's logo'

    Santander 5 Year Fixed

    • Initial Rate
      3.60% Fixed to 02/05/2026
    • APRC
      3.50%
    • Product Fee
      £999
    • Monthly Repayment
      £759
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £6,000
    • Max Loan:
      £550,000
    • Product Description:
      3.60% Fixed to 02/05/2026
    • Incentives:
      Free valuation admin fees
      free valuation fees (Max £1190) for properties valued Max £2
      5M

    • Initial Monthly Repayment:
      £759 x 63
    • Ongoing Monthly Payments:
      £742.54 x 237
    • Total Amount Payable:
      £225,822.98
    • Total Interest Payable:
      £73,798.98
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/26: 5% Outstanding Balance
    Continue on L&C Mortgages' website Product details
  • Santander's logo'

    Santander 5 Year Fixed

    • Initial Rate
      3.79% Fixed to 02/05/2026
    • APRC
      3.60%
    • Product Fee
      £0
    • Monthly Repayment
      £774.47
    • Lender:
      Santander
    • Max First Time Buyer LTV:
      90%
    • Max House Purchase LTV:
      0%
    • Max Remortgage LTV:
      0%
    • Min Loan:
      £6,000
    • Max Loan:
      £550,000
    • Product Description:
      3.79% Fixed to 02/05/2026
    • Incentives:
      Free valuation admin fees
      No arrangement fees
      free valuation fees (Max £1190) for properties valued Max £2
      5M

    • Initial Monthly Repayment:
      £774.47 x 63
    • Ongoing Monthly Payments:
      £745.24 x 237
    • Total Amount Payable:
      £226,438.49
    • Total Interest Payable:
      £75,413.49
    • Valuation Fee:
      Free
    • Exit Admin Fee:
      £225
    • Early Repayment Charge:
      Yes
    • Early Repayment Charge Details:
      to 2/5/26: 5% Outstanding Balance
    Continue on L&C Mortgages' website Product details

Your home may be repossessed if you do not keep up repayments on your mortgage.

The mortgage data above was supplied by Moneyfacts Group Plc and is updated at the time of mortgage search. The figures and data provided in our tables are for illustration purposes only. While we make every effort to ensure the accuracy of this data you should always confirm the terms on offer with the provider/broker. We do not give any financial advice.

Our mortgage comparison service is partnered with L&C Mortgages for selections made outside of our featured lenders. Featured lenders are firms with whom we have a direct commercial relationship.

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