![Finder award badge](https://www.finder.com/finder-us/wp-uploads/sites/3/2024/01/mortgages-winner-1.png)
![Finder award badge](https://www.finder.com/finder-us/wp-uploads/sites/3/2024/01/mortgages-winner-1.png)
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.
What types of mortgage can I get with Nationwide Building Society?
- Fixed rate. Your interest rate remains fixed for a set amount of time, providing certainty about the size of your monthly mortgage repayments. Nationwide offers mortgages with fixed-rate periods of 2, 3, 5 and 10 years.
- Variable. Variable rate mortgages have an interest rate that can go up and down over the mortgage’s term.
- 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.
- Shared ownership. Shared ownership mortgages allow you to buy part of a property (25%–75%), then pay rent on the remaining share.
- Interest-only. This type of mortgage lets you repay just the interest from the loan for the duration of the term. This means lower repayments, but the amount you borrowed won’t go down because you’re only paying the interest.
How to apply
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.
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 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.
Eligibility criteria
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.
![Post Office Money® logo](https://www.finder.com/niche-builder/5de6624f3b067.png)
![NatWest logo](https://www.finder.com/niche-builder/5de653c442a65.png)
![Halifax logo](https://www.finder.com/niche-builder/5de641ff3aac8.png)
![HSBC logo](https://www.finder.com/niche-builder/60f065a491297.png)
![Barclays Mortgages logo](https://www.finder.com/niche-builder/60e2c994507a5.png)
![Molo Finance logo](https://www.finder.com/niche-builder/5de7e63cbedd0.png)
![Skipton BS logo](https://www.finder.com/niche-builder/5de66a391e5dd.png)
![TSB logo](https://www.finder.com/niche-builder/5de7e3c170280.png)
Contact information
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 mortgages customer reviews
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.
Case Study: Rachel likes the efficiency and communication of her Nationwide mortgage
![Rachel Bates profile pic](https://www.finder.com/finder-us/wp-uploads/sites/3/2024/03/rachel-case-study.png)
Rachel Bates
Manchester
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.
Frequently asked questions
Mortgage ratings
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.
More guides on Finder
-
M&S Bank Credit Card Purchase Plus Offer Mastercard review
Enjoy the longest introductory purchase 0% deal offered by M&S Bank, and earn M&S points on all your spending. Compare live rates and alternative options.
-
Winners of the Finder Green Banking Awards 2024 revealed
How green is your bank? We’ve published the winners and highly commended brands of the Finder Green Banking Awards 2024.
-
Winners of the Finder Green Banking Awards 2024 revealed!
Finder analysed the UK’s most popular banking brands’ sustainability credentials to reveal the winners of the Green Banking Awards 2024
-
Example email
An example of an email sent to Finder subscribers.
-
Finder Green Banking Awards 2024
These awards cut through the greenwash and recognise the banking brands in the UK which are sustainable and making a difference.
-
GoHenry vs Starling Kite: Find out which app is better
Learn more about GoHenry and Starling Kite and find out which is the better prepaid card option for your child.
-
Fixed-rate ISA calculator: Should you switch to a better rate?
Our fixed-rate ISA calculator estimates whether paying the get-out penalty on your ISA is worth it to open a new one at a better rate.
-
The ‘single tax’ revealed: What’s the true cost of being single?
Recent estimates suggest that over 8 million people live alone in the UK, so we’ve crunched the numbers to find the cost of being single.
-
Monzo’s new children’s account for under-16s, launching in 2024: What we know
Monzo is getting in on the cards-for-kids action. And this one is free. Get ready to dish out the Monzos, mum-zos!
-
Bank of Scotland switch offer
Before you switch accounts to Bank of Scotland, check to see if you can grab a juicy switch bonus.
Who has the best deals with mortgages
Hi Shelley,
Thanks for getting in touch with finder. I hope all is well with you. :)
While we can’t specifically recommend a service provider, you will know the best option by assessing your current and future needs, preference, and budget. Moreover, we can help you make a better decision by visiting our mortgage comparison page.
On that page, you will see a table that allows you to conveniently compare your options. Once you find the right one for you, click on the “Go to site” green button to learn more or initiate your application.
I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.
Have a wonderful day!
Cheers,
Joshua