Whether you are buying your first home or remortgaging, we make it straightforward.
Nationwide offers competitive mortgage rates backed by expert guidance from real people who understand the UK property market. As a member-owned building society, we are motivated by your success β not shareholder returns.
Step onto the ladder
Mortgages from 5% deposit with no booking fees. Free valuation included on most products.
Switch and save
Lock in a competitive rate when your deal ends. Free legal work on standard remortgages.
Move up with confidence
Flexible options whether you are upsizing, downsizing, or relocating across the UK.
Getting a mortgage with Nationwide is designed to be clear, supportive, and free from unnecessary stress. We break the journey into simple steps so you always know what comes next and what is expected of you.
Step 1: Check What You Can Borrow
Start with our online mortgage calculator. Enter your income, deposit, and monthly outgoings to get an instant estimate of how much you could borrow. This gives you a realistic budget before you begin property hunting.
Step 2: Get a Decision in Principle
Apply online for a Decision in Principle β a conditional confirmation of how much we would lend you. Most decisions are returned within minutes. Having a DIP strengthens your position with estate agents and sellers.
Step 3: Find Your Property and Apply
Once you have found the right home, submit your full mortgage application. Our dedicated case managers guide you through the documentation, valuation, and legal steps. We keep you updated at every stage so there are no surprises.
Step 4: Complete and Move In
After your solicitor completes the legal work, we release the funds and you pick up your keys. Our support does not end at completion β our team is here whenever you need help, whether that is making overpayments, taking a payment holiday, or switching to a new deal when your initial rate expires.
Our rates reflect member value, not stock-market demands. Fairer pricing, always.
Speak to real mortgage advisers in branch, by phone, or via video. No chatbot runaround.
Preferential rates for energy-efficient homes. Better for you and the planet.
Use our free mortgage calculator to see what you could borrow today.
Whether you are a first-time buyer dreaming of your own front door or an existing homeowner looking to save with a remortgage, Nationwide is here to help you move forward with confidence.