Nationwide mortgages review and comparison
Nationwide offers a range of fixed and variable rate mortgages that could be suitable for you.
What types of mortgages can I get with Nationwide Building Society?
- Fixed rate Your interest rate remains fixed for set amount of time, providing certainty about the size of your monthly mortgage repayments. Nationwide offers mortgages with fixed-rate periods of two, three, five and ten years.
- Remortgages You can switch away from your existing mortgage provider via Nationwide’s remortgage products.
- Tracker Your interest will shift up and down at the same rate as the Bank of England base rate.
- Buy-to-let This mortgage allows you to buy an additional property and let it out to tenants.
- Let-to-buy This mortgage allows you to remortgage your existing property, releasing equity so you can buy a new one.
How to apply
You can apply online, by calling 0800 121 69 49, or by visiting a local branch. For more complex mortgage types, such as shared ownership or Help to Buy mortgages, online applications are not available.
What information is needed to apply?
You’ll need to provide proof of identity, proof of address, proof of UK residency, proof of deposit and proof of earnings.
To back this up, employees will need to provide their last three monthly payslips. If you’re paid weekly or fortnightly, you may need to provide more. Self-employed applicants will need to provide at least two years worth of accounts. You may also be asked for up to six months worth of recent bank statements.
Applicants must be at least 18 years old, and no older than 75 when the mortgage term is due to end.
All applicants will be subject to an affordability assessment and credit check. If you’ve suffered more than three months of mortgage arrears in the past three years, you’ll be declined. If you’ve suffered an undischarged bankruptcy, a discharged bankruptcy less than three years ago or a property repossession, you’ll be declined.
You can make general mortgage queries by calling 0800 30 20 11, using the online chat service on nationwide.co.uk, or by visiting a local branch.
Compare Nationwide using a mortgage broker
There are huge benefits to using a mortgage broker to help you get the right deal. They will do all of the hard work and research for you. They are experts in comparing the hundreds of loans and lenders out there in the market based on your individual needs and eligibility, so you won’t have to worry about being forced into a deal. Your broker will also negotiate with your chosen lender on your behalf to make sure you are getting the right deal for you.
L&C works with over 90 different mortgage lenders, including Nationwide, giving you a great opportunity to compare different mortgage deals on the market. To apply for a mortgage through L&C click the link below.
London and Country Mortgage Experts
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- Compare over 80 mortgage lenders
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