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Fixed rate remortgage

  • Your interest rate is fixed for a period of time.
  • At the end of the fixed rate period you move to our variable Base Mortgage Rate (BMR) for the remainder of the mortgage term.
  • No extended tie-in after the fixed rate period.
  • Deals are available for a range of periods e.g. between 2 and 5 years.

Borrowing up to 60% of the property value

2 Year Fixed
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Initial rate Followed by the BMR, currently The overall cost for comparison is Reservation fee*
5.38% 4.00% 4.5% APR None+
4.98% 4.00% 4.4% APR £599
4.88% 4.00% 4.4% APR £995
3 Year Fixed
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5.48% 4.00% 4.8% APR £995
5 Year Fixed
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5.78% 4.00% 5.3% APR £995
5.68% 4.00% 5.3% APR £1,999

Borrowing up to 75% of the property value

2 Year Fixed
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Initial rate Followed by the BMR, currently The overall cost for comparison is Reservation fee*
5.78% 4.00% 4.6% APR None+
5.38% 4.00% 4.6% APR £599
5.28% 4.00% 4.6% APR £995
3 Year Fixed
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5.88% 4.00% 5.0% APR £995
5 Year Fixed
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5.98% 4.00% 5.4% APR £995
5.88% 4.00% 5.4% APR £1,999

Borrowing up to 85% of the property value

2 Year Fixed
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Initial rate Followed by the BMR, currently The overall cost for comparison is Reservation fee*
6.98% 4.00% 4.9% APR None+
6.58% 4.00% 4.9% APR £599
6.48% 4.00% 4.9% APR £995
3 Year Fixed
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6.68% 4.00% 5.3% APR £995
5 Year Fixed
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6.68% 4.00% 5.9% APR £995
6.58% 4.00% 5.8% APR £1,999

The BMR is currently only available to existing Nationwide mortgage customers reaching the end of their deal period.

Please note that our mortgage products can change or be withdrawn at any time, and rates are only guaranteed at the time of application.

* A reservation fee may be payable depending on the product selected. If you choose the no reservation fee option you will pay a higher rate of interest over the deal period compared to the reservation fee option. If you choose the option with a reservation fee you can pay this when you apply or you can add it to your loan. If you add this fee to your loan you will be charged interest on it during the term of the loan.

Early Repayment Charges apply. See fees and charges for more details.

+ A £25,000 minimum borrowing limit applies to all 2 year no fee products.

FAQs

  • What is a fixed rate mortgage?

    A fixed rate mortgage means that your monthly repayments will stay the same for an agreed length of time. It offers you the added security of knowing what your payments will be each month.

  • Is a fixed rate mortgage right for you?

    Fixed rate mortgages can be useful for anyone who needs to keep a close eye on their budget and monthly outgoings. If you prefer to have the security of knowing how much is leaving your account each month, then a Nationwide fixed rate mortgage deal may be the best option for you.

    If not, you might want to consider one of our variable rate mortgage deals.

Next steps: Flexible features or Get a quote and apply for a mortgage