Best Nationwide mortgage deals
Whether you're an existing customer or first-time buyer, compare the best mortgage interest rates from Nationwide with our comparison tool below. To see what rate you could be offered, create a free Tembo plan.
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When you create a Tembo plan, you'll get a free, downloadable Mortgage In Principle for each of your eligible schemes.
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Create your own personalised plan to see the best way for you to remortgage, including if you should stay with Nationwide or switch to another provider.
What type of mortgages does Nationwide offer?
Nationwide offers a wide range of mortgage products, including fixed-rate, variable-rate, tracker and base rate mortgages for first-time buyers, home movers, remortgagers and buy-to-let applicants. They also offer more niche products including their Helping Hand mortgage, Deposit Unlock, Green Additional Borrowing mortgage and shared ownership mortgages.
How much could I borrow from Nationwide?
Like most mortgage lenders, Nationwide offers a range of mortgage products with different eligibility criteria. How much you could borrow for a mortgage depends on which products you're eligible for, your household income and deposit, and other factors like your credit score, employment type, and outgoings. But typically you can borrow between 4-4.5 times your income, although some applicants may be able to borrow more than this.
By creating a free Tembo plan, you can see what you could be offered for a mortgage by Nationwide and other providers without applying.
Can I make overpayments on a Nationwide mortgage?
If you currently have a Nationwide mortgage and you're on a fixed or tracker rate product reserved after May 2013, you can only overpay by up to 10% of your outstanding loan balance each year. So for example, if you have an outstanding mortgage balance of £180,000, this would mean you can overpay by a maximum of £18,000 without being hit by an Early Repayment Charge (ERC). Anything above this 10% threshold, you will have to pay an ERC on.
But for any of their Standard Mortgage Rate (SMR) or Base Mortgage Rate (BMR) mortgages, there is no limit to the amount you can overpay by each year.
Nationwide is a trusted household name as the UK's second-largest mortgage lender. They are known for their customer service and tend to have competitively priced mortgage products. However, this doesn't mean they offer the best rates on the market, it's always worth seeing what other lenders are offering too before making a decision.
Andy Shead
Senior Mortgage Advisor at Tembo
Are Nationwide a good lender?
Nationwide is the second-largest mortgage provider in the UK, and the largest building society, holding a 12.5% mortgage market share. A well-known high-street name, Nationwide has a reputation for excellent customer service. In fact, in 2023 Nationwide was named the Which? Recommended Provider based on its customer score. However, on Trustpilot they are only rated 1.7 out of 5 from over 5,000 reviews, so not everyone feels they receive this top-notch service, which is to be expected from such a large lender.
As with any provider, whether Nationwide is the best mortgage lender for you depends on your affordability and individual circumstances, what mortgage products you're eligible for, and what the market is currently like. An expert mortgage broker like Tembo can help you navigate these factors to ensure you get the best mortgage deal for you.
Does Nationwide offer guarantor mortgages?
Nationwide does offer guarantor mortgages, but whether their products are right for you and your family depends on your unique affordability, as well as what schemes you qualify for. Working with a mortgage broker can help you navigate lenders' different eligibility criteria and find the best deal for you from Nationwide and other lenders on the market.
Looking for a new mortgage?
First home
Unsure which mortgage deal to go for? Buying your first home can be confusing and overwhelming. Get help from the experts.
Remortgage
Coming to the end of your current deal? Remortgage onto a new one with our help. We'll show you whether you should stay with the same lender, or switch.
Moving home
Upsizing to your forever home? Or maybe you're downsizing to something more manageable. Whatever your reason for moving, we can help you find the best deal for you.
Buy to Let
Thinking of becoming a landlord? We can help you discover the best buy to let mortgage deal for you and how you could boost your mortgage affordability.
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Whether it's first-time buyers, home movers or remortgagers - our expert team has been trusted by thousands to make home happen.
The application process
4 simple steps to buying your first home or remortgaging
Make a Tembo plan
Check your eligibility for a range of mortgages and buying schemes, and get a personalised recommendation with interest rates and repayments in under 10-minutes.
Talk to an expert
Book a call with our experts to complete the qualification process, and we’ll cover off any questions you might have about any of the mortgage deals and budget-boosting schemes we advise on.
Apply for your new deal
Next, your dedicated advisor will undertake full affordability checks to prepare the mortgage application. Then we’ll submit it on your behalf!
Make home happen
Your Tembo advisor will be on hand to ensure everything runs smoothly, so you can move onto your new deal as quickly as possible.
