Nationwide Building Society is the biggest building society in the world and one of the largest mortgage providers in the UK. Keen to retain the values it was founded upon, Nationwide has maintained its mutual status over a 150-year history and continues to be run for the benefit of its members.
You can apply online, by calling 0345 609 25 30, 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.
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 latest monthly payslip. If you’re paid weekly or fortnightly, or you receive bonuses or commission, you may need to provide more payslips. Self-employed applicants will need to provide at least 2 years’ worth of accounts. You may also be asked for up to 3 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.
We've teamed up with L&C Mortgages to help you compare live rates from over 80 lenders.
You can make general mortgage enquiries by calling 0345 609 25 30, using the online chat service on nationwide.co.uk, or by visiting a local branch.
Nationwide was the winner of Finder’s 2024 Mortgages Customer Satisfaction Awards, with 98% of Nationwide’s customers we surveyed saying they would recommend one of its mortgages. Nationwide mortgage customers in our survey were impressed with its “hassle free, helpful support”, and that it was a “go-to provider”.
On the reviews platform Trustpilot, Nationwide has a score of 1.8 out of 5 from over 5,800 reviews. However, it’s worth mentioning that most traditional banks we looked at had similarly low scores, and they are being reviewed across a huge range of products, not just mortgages.
"It’s been really good. They’ve always got back to me quite quickly. Every email or letter has been quite prompt. They don’t overload me with lots of emails and stuff I don’t need. I get 2 letters a year with the interest statements. I chose a Nationwide mortgage because it was the best buy-to-let deal at the time. I got in on a 5-year deal.
If there’s one thing you’d tell a friend who’s thinking of getting this, what would it be?
I’ve had no issues with them. I had to change my address, but they dealt with it very quickly. The communication is really good."
Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.
Official data shows that 63% of people in England and Wales own their home. We look at the latest home ownership statistics in the UK.
We looked into the latest buy-to-let statistics to see how many of these mortgages have been taken out and how many Brits are living in rental properties in the UK.
We look at the latest first-time buyer statistics to see how difficult it is to get your foot on the property ladder in the UK.
From the average mortgage payment and debt to how many outstanding mortgages there are, we explore the latest mortgage statistics in the UK.
Find out how the cost of living in the UK has changed over time in comparison to inflation with our historical price tracker.
All you need to know about an Al Rayan Bank mortgages.
How do property prices in the UK compare to the rest of the world? We estimated the cost of a city centre 2-bed flat in 106 countries to find out.
Looking for a mortgage with The Co-operative Bank? Find out how to get the right mortgage for you.
Looking for a mortgage with Precise Mortgages? Find out how to get the right mortgage for you.
Looking for a mortgage with Metro Bank? Find out how to get the right mortgage for you.