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Nationwide mortgages

Our broker partner, Mojo mortgages can help you to compare Nationwide mortgages, provide the advice you need to make an informed decision, and ensure you don't miss out on more competitive deals...

Founded in 1884, Nationwide is the largest building society in both the UK and in the world. They have a heavy focus on social investment and donate 1% of all pre-tax profits to charity to contribute to building a more caring and respectful society. 

It is the second largest provider of mortgages in the UK, with a wide range of products on offer across the residential mortgage market.

What type of mortgages do Nationwide offer?

NAtionwide offers a wide range of mortgage products for a wide range of needs, including:

Interest rate types

Specific products

Although all products won’t be available in all circumstances, Nationwide is also able to offer:

Good to know

  • Minimum loan size is £25,000 

  • Minimum mortgage term length of two years, maximum term length of 40 years 

  • It’s possible to choose capital repayment or interest-only repayments

  • They do not have a minimum income requirement

  • For joint mortgage applications they accept a maximum of two applicants

  • Nationwide mortgages are portable, subject to criteria

  • Minimum age on application is 18

  • Maximum age at end of mortgage term 75 years (72 on application)

  • 180 day mortgage offer eligibility as standard

Nationwide mortgage rates

To get the best Nationwide mortgage interest rates you'll need a large deposit and strong credit history, although this is true of any lender.

A broker can help you to compare Nationwide mortgage deals with others across the market to see where you can find the best rates for your circumstances.

How to compare Nationwide mortgage deals

Whether you’re an existing Nationwide customer or are considering taking out a mortgage with them, it’s a good idea to look at all of the different deals they have to offer alongside other lenders.

Being an existing Nationwide customer won't necessarily guarantee you their best rate, or even mortgage approval. Nationwide offers over 500 mortgage products alone, so the most efficient way to compare mortgage deals across the market is using an experienced mortgage broker - like our partners at Mojo Mortgages.  

Nationwide mortgages customer reviews

Another good gauge of a lender is their reputation. Check out feedback from their existing mortgage customers on sites like Trustpilot and Which to get a feel for their performance. 

They currently have a Which review score of 80% making them a Which recommended lender. 

How do I apply for a mortgage with Nationwide?

You can make a full mortgage application with Nationwide online, in branch or via phone or video call. You can also apply through one of their intermediaries.

Nationwide Mortgages FAQs

Can I get a mortgage in principle from nationwide?

You can apply for a Nationwide decision in principle, also known as a mortgage in principle both online and in branch.

How much can I overpay on a nationwide mortgage?

Nationwide customers have the option to overpay their mortgage by 10% of the remaining outstanding balance per year, as standard.

Does nationwide offer self-employed mortgages?

Self-employed mortgages are not actually a product, but this term is often used to describe lenders that offer their range of mortgages to self-employed individuals.

Nationwide do accept self-employed mortgage applications, so long as the applicant is able to demonstrate proof of their self-employed income for a minimum period of 24 months.

How long is a Nationwide mortgage offer valid?

All Nationwide mortgage offers are valid for 180 days, both for new-build and older properties.

How long does Nationwide mortgage approval take?

Lenders don’t often quote approval rates, as approval time can vary significantly, however, Nationwide are very transparent, quoting their measured service standards for each stage of the application on their website. 

At the time of writing, the Nationwide website quotes that the current average length of time from application to offer is around 10 days, and 19 days for referred cases.

What are common reasons Nationwide rejects a mortgage application?

Lenders reject any applications that don’t fully meet their lending criteria, but Nationwide are fairly flexible compared to many high street banks, probably given their mutual status as a building society. Nevertheless, you’re most likely to be rejected by Nationwide if: Their property valuation doesn’t match up to your requested loan amount You have more serious bad credit, such as a DMP, IVA or bankruptcy You’re unable to provide an address history of at least three years You’ve been self-employed for less than 24 months You’re reliant on non-standard income (bonuses etc) to boost your affordability If you’re unable to meet the criteria of Nationwide, however, a mortgage broker will be able to help you look at more flexible specialist lenders.

Can I get a Nationwide mortgage with bad credit?

Nationwide will consider some bad credit applicants, such as those with defaults and CCJs, as well as satisfied DMPs (debt management plan) - although ongoing DMPs are not accepted. 

They will also look at discharged bankruptcy after three years, which is fairly flexible for a high street lender, as many require six years clear of this type of debt. However, they will still want to know the details of any credit issues that you have and assess on a case by case basis.


The FCA does not regulate mortgages on commercial or investment buy-to-let properties.

Uswitch makes introductions to Mojo Mortgages to provide mortgage solutions. Uswitch and Mojo Mortgages are part of the same group of companies. Uswitch Limited is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 312850. You can check this on the Financial Services Register by visiting the FCA website. Uswitch Limited is registered in England and Wales (Company No 03612689) The Cooperage, 5 Copper Row, London SE1 2LH. Mojo Mortgages is a trading style of Life's Great Limited which is registered in England and Wales (06246376). Mojo are authorised and regulated by the Financial Conduct Authority and are on the Financial Services Register (478215) Mojo’s registered office is The Cooperage, 5 Copper Row, London, SE1 2LH, and head office is WeWork No. 1 Spinningfields, Quay Street, Manchester, M3 3JE. To contact Mojo by phone, please call 0333 123 0012.