Our mortgage rates
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Mortgage deals for first time buyers:
We have a range of mortgage deals designed to help you buy your first home.
- Up to 90% mortgages when our FlexAccount is your main current account
- Reduced or zero reservation fees on selected mortgages^
- Free legal fees on selected mortgages
^ A non-refundable booking fee of £99 will be payable upfront upon reservation of any product.
Mortgage deals for new customers moving home:
We know moving home can be costly. That's why we offer selected mortgages to help reduce upfront costs.
- Up to 90% mortgages when our FlexAccount is your main current account
- Reduced or zero reservation fees on selected mortgages^
- Free legal fees on selected mortgages
^ A non-refundable booking fee of £99 will be payable upfront upon reservation of any product.
Exclusive deals for customers remortgaging:
Our special deals could help take the hassle out of remortgaging:
- Reduced or zero reservation fees on selected mortgages^
- No standard legal fees on all mortgages
- No standard valuation fees on all mortgages
^ A non-refundable booking fee of £99 will be payable upfront upon reservation of any product.
Mortgage deals for existing customers moving home:
- FlexAccount customers get a lower rate when borrowing 85-90% LTV
- Borrow up to 95% of the value of your property
- Reduced or zero reservation fees on selected mortgages^
- Free legal fees on selected mortgages
^ A non-refundable booking fee of £99 will be payable upfront upon reservation of any product.
Mortgage deals for existing customers borrowing more:
- Borrow up to 85% of the value of your property including existing mortgage
- Reduced or zero reservation fees on selected mortgages
- No early repayment charges on selected tracker mortgages
Mortgage deals for customers whose current Nationwide deal is ending:
- Borrow up to 95% of the value of your property
- Reduced or zero reservation fees on selected deals^
- Access to the lowest rates across all of our mortgages
^ A non-refundable booking fee of £99 will be payable upfront upon reservation of any product.
Benefits of 'switch and fix':
- Deals available with zero reservation fee so the cost of
switching is free - You can overpay on all deals without incurring early repayment charges (terms and conditions apply)
- Get peace of mind and protect against interest rate rises by switching to a fixed rate
- No early repayment charges when you switch
View rates for existing customers switch and fix mid-deal >>
Please note: Any mortgage products reserved on or before 29th April 2009 will revert to the Base Mortgage Rate (BMR). If you choose to switch to a new Nationwide mortgage product, the new product will revert onto our Standard Mortgage Rate (SMR).
Both are variable rates which we may vary in accordance with our mortgage terms and conditions. However, the BMR is guaranteed to be no more than 2% above the Bank of England base rate, whilst the SMR has no upper limit or cap. If you choose to switch to a new product, it is not possible to switch back to the BMR at a later date.
* 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.
† Free legal fees cover the conveyancer's professional charges relating to the house purchase when using Legal Marketing Services (LMS).
# The tracker floor is 0.00%. This means that if the Bank of England base rate is 0.00% or less during the tracker period, the rate you pay will be 0.00% plus the agreed set percentage above the Bank of England base rate. This means that the rate you pay will never go below 0.00% plus the additional percentage rate of your tracker mortgage.
Our tracker rates assume a Bank of England base rate of 0.50% and have a tracker floor of 0.00%. Correct as at 1 December 2009.
Our mortgage products can change or be withdrawn at any time. To ensure you get a particular rate we must accept your application and you must pay the non-refundable upfront booking fee and any reservation fee for the product.
Early Repayment Charges apply. See fees and charges for more details.
Additional borrowing limits may apply.