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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...

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Updated by
Last updated
April 30th, 2025
Reading Time -
10 minutes

About Nationwide

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 at least 1% of all pre-tax profits to charitable causes to contribute to building a more caring and respectful society. 

It is the third largest mortgage provider in the UK, with a wide range of products on offer across the residential mortgage market. Nationwide also offer buy-to-let products through their partner The Mortgage Works.

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 criteria

  • Minimum loan size is £25,000 

  • Minimum mortgage term length of two years, maximum term length of 40 years (25 years for interest only)

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

  • They do not have a minimum income requirement for repayment mortgages

  • 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.

The table below shows some of the best Nationwide mortgage deals currently available, based on the lowest initial rate available at certain loan to value (LTV) ratios. These deals might not be suitable for you and your circumstances.

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

Remember, you could lose your home if you don't keep you with your mortgage repayments.

  • Nationwide BS
    • 2 years
    • Fixed rate
    • Monthly repayment£ 876.59
    • Loan to value60 %
    • Initial interest rate3.89 %
    • Variable rate6.99 %
    • APRC6.5%
    • Product fees£ 1,014
    Representative example:

    Repayment mortgage of £168,000.00 over 25 years, representative APRC 6.5%. Repayments: 24 months of £876.59 at 3.89% (fixed), then 276 months of £1,164.89 at 6.99% (variable). Total amount payable £342,547.80. Early repayment charges apply until 2 years. Arrangement, mortgage discharge, valuation and CHAPS fees total £1014.

  • Nationwide BS
    • 2 years
    • Fixed rate
    • Monthly repayment£ 1,030.24
    • Loan to value70 %
    • Initial interest rate3.96 %
    • Variable rate6.99 %
    • APRC6.6%
    • Product fees£ 1,014
    Representative example:

    Repayment mortgage of £196,000.00 over 25 years, representative APRC 6.6%. Repayments: 24 months of £1,030.24 at 3.96% (fixed), then 276 months of £1,359.70 at 6.99% (variable). Total amount payable £400,002.96. Early repayment charges apply until 2 years. Arrangement, mortgage discharge, valuation and CHAPS fees total £1014.

  • Nationwide BS
    • 2 years
    • Fixed rate
    • Monthly repayment£ 1,205.98
    • Loan to value80 %
    • Initial interest rate4.19 %
    • Variable rate6.99 %
    • APRC6.7%
    • Product fees£ 1,014
    Representative example:

    Repayment mortgage of £224,000.00 over 25 years, representative APRC 6.7%. Repayments: 24 months of £1,205.98 at 4.19% (fixed), then 276 months of £1,556.38 at 6.99% (variable). Total amount payable £458,504.40. Early repayment charges apply until 2 years. Arrangement, mortgage discharge, valuation and CHAPS fees total £1014.

  • Nationwide BS
    • 5 years
    • Fixed rate
    • Monthly repayment£ 1,393.56
    • Loan to value90 %
    • Initial interest rate4.45 %
    • Variable rate6.99 %
    • APRC6.2%
    • Product fees£ 1,014
    Representative example:

    Repayment mortgage of £252,000.00 over 25 years, representative APRC 6.2%. Repayments: 60 months of £1,393.56 at 4.45% (fixed), then 240 months of £1,713.75 at 6.99% (variable). Total amount payable £494,913.60. Early repayment charges apply until 5 years. Arrangement, mortgage discharge, valuation and CHAPS fees total £1014.

Date Updated 12 May 2025

The above fixed rates are provided by Mojo Mortgages and updated every 12 hours. THEY MAY NOT BE AVAILABLE WHEN YOU'RE READY TO SUBMIT AN APPLICATION.

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 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 78%, making them a Which? recommended provider. They currently have the best customer score based on a variety of factors.

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.

If you choose to work with Mojo Mortgages, their team of expert brokers will help you to prepare and submit your application. This can help to maximise your chance of success.

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. If you have less than 30 days left on your offer, you may be able to request an offer extension of 45 days if needed.

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 8 days, and 13 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. 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.

Can I port my Nationwide mortgage?

Yes, it may be possible to port your rate to a new property if you move home. However, if you want to borrow less, you may incur early repayment charges (ERCs).

If you aren't able to complete your new purchase within 180 days of paying off your existing mortgage, you won't be able to port your mortgage and you'll need to apply for a new mortgage product (and may need to pay ERCs too).

How soon can I switch mortgage deals?

If you are an existing Nationwide customer, you will be able to switch mortgage deals without incuring early repayment charges as long as you have less than 4 months left on your existing deal.

It's up to you whether you choose a new deal with Nationwide, or compare deals from across other lenders too. Speaking with a mortgage broker when your mortgage deal is coming to an end could help you to assess your options.

What happens when my fixed-rate Nationwide mortgage ends?

If your Nationwide deal comes to an end, you'll be automatically moved to Nationwide's Standard Mortgage Rate (SMR) or Base Mortgage Rate (BMR). However, you can find a new deal to avoid this.

Nationwide allows you to look for new deals up to 4 months in advance of your current one ending without incurring early repayment charges. You can either stick with a mortgage from Nationwide or compare deals from across a wide range of lenders.

How much can I borrow with Nationwide?

How much you will be able to borrow will depend on your individual circumstances. However, first-time buyers may be able to borrow a maximum of 6 times their salary when getting a mortgage from Nationwide thanks to their 'Helping Hand' mortgages.

Nationwide's maximum lending limits will also vary depending on things like property type, but generally speaking the maximum LTV available (95% or 90% for new build properties) is available on mortgages between £5,000 and £750,000. Those wanting to borrow more will need to opt for a lower LTV mortgage option. The maximum LTV for interest only mortgages is 75%.

YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.

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. To contact Mojo by phone, please call 0333 123 0012.

*Average savings are based on Mojo Mortgages residential remortgage sales data, compared to the average SVR in February 2025. Actual savings will depend on individual circumstances.