Getting started

Understanding mortgages

How much can I borrow?

Getting a Decision in Principle

Finding a property and making an offer

Applying for a mortgage

What's in this section?

How to apply

Your options for how and where to apply for a Nationwide mortgage.

How to complete an application

A short video guide to show you the application process.

Preparing your documents

Where to send documents needed to support your application.

Timescales and key stages

The stages of your mortgage application, from applying to hearing back from us.

How to apply

You can choose to apply for a mortgage with advice or without advice. 

Applying with advice

Applying with advice means that one of our Mortgage Consultants will help you through the application process, and they'll provide advice on which mortgage deal will best meet your needs.You can apply with advice by phone or in a Nationwide branch. 


If you're applying for a Save to Buy mortgage, a guarantor mortgage, or for shared ownership, you'll need to apply with advice.

Applying without advice

If you don't want advice or help with your application, you need to be sure you're ready to take responsibility for choosing a mortgage deal that's right for your situation.  If you're comfortable applying without advice, you can apply online. 


If you choose to apply online but decide at any point that you'd like advice, you can always stop where you are and finish your application by phone or in branch.

Completing your application

If you apply in branch or over the phone, one of our Mortgage Consultants can talk you through everything you need to know. We'll also help you to understand what information and documents you'll need to provide when applying. Want to get an idea of what to expect before you begin? This video shows you how to complete your mortgage application, from the first steps, to choosing a mortgage and then completing the application itself.

Preparing your documents

When you’ve finished your application, we’ll let you know which documents we need to see as proof of your income and outgoings.  We’ve also got a handy guide to take you through each type of document and exactly what we’re looking for. 

If you apply online, you can send your documents via email or post, or drop them by your local branch. If you apply over the phone, please post your documents or bring them by your local branch. If you apply in branch, you can bring your documents with you to your appointment/s. 

Go to the mortgage application documents guide


Application milestones and timescales

finish-header

YOUR MORTGAGE IS SECURED ON YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DON'T KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Completion and moving in