Nationwide mortgages review and comparison

84% of Nationwide customers in our 2020 customer satisfaction survey would recommend it to a friend.

Doesn't offer offset mortgages (where you link a savings account).

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.

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.

Contact information

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

L&C is a specialist broker offering mortgage comparison & free advice.

• Compare over 80 mortgage lenders
• Fee FREE mortgage advice
• Personal customer service from start to finish
• Open 7 days a week

Compare now
More Info

The finder.com mortgage service is provided by London & Country Mortgages (L&C). Beazer House, Lower Bristol Road, Bath BA2 3BA.
L&C are authorised and regulated by the Financial Conduct Authority (reg no. 143002). Please note the FCA does not regulate most Buy to Let mortgages.

Find a mortgage using a broker to compare the market

Mojo Mortgages

The Mojo mortgage calculator compares rates in less than 1 minute. A free online mortgage broker.

Go to site

Habito

Save £1,000s on your mortgage. Applying is quick & easy with Habito. Get a quote online in minutes.

Go to site

L&C

The UK's largest fee-free mortgage broker & adviser. No hidden costs. L&C compares rates from over 80 lenders.

Go to site

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Frequently asked questions

• Can I make overpayments?

  Yes, you can make overpayments of up to 10% of the mortgage balance per year without facing an Early Repayment Charge.

• Are there any customer incentives or bonuses?

  First-time buyers might be drawn to Natoinwide’s 95% mortgages or its Family Deposit mortgages, which allow you to borrow against the equity of your family’s home. First-time buyers may also be eligible for £500 cashback when their mortgage is confirmed.

• How long does it take to hear a decision?

  Nationwide should be able to offer a decision on your mortgage application immediately, although the lender may need to call online applicants to seek additional information.

• Is there a minimum loan amount?

  The minimum loan amount is £25,000.

• Does provider allow payment holidays?

  Mortgage payment holidays are only available to customers who reserved their mortgage before 3 March 2010. These customers will need meet specific financial criteria too. For example, they must not have been in arrears for the previous year, plus their mortgage balance must be worth at least 80% of the property balance after the payment holiday ends.