As an existing Nationwide mortgage customer, please be aware of the following:
Tracker mortgages and Flexclusive deals for our main current account customers are not available online. However you can still apply in your local branch or by phoning 08457 30 20 10.
If you choose to switch to a new deal, this will revert to our Standard Mortgage Rate (SMR) at the end of the deal period, which has different features to the BMR. Find out more
Please note that all mortgages reserved on or before 3rd March 2010 include the option to apply for a payment holiday and borrow back facility. Any mortgages reserved after this date will no longer include these facilities.
If you are currently letting your property you will be unable to switch to a new mortgage deal and your mortgage deal will automatically revert to the Nationwide variable rate as stated in your mortgage offer.
Potential annual cost savings and monthly payment
The potential annual cost savings and monthly payment shown above are for illustration purposes only. They are based on the initial rate during the deal period and on a capital and interest repayment method. They do not take into account any fees or charges payable for changing your mortgage, or the applicable interest rate when your mortgage deal ends.
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Monthly payment
The monthly payments shown above are for illustration purposes only. They are based on the initial rate during the deal period and on a capital and interest repayment method. They do not take into account any fees or charges payable for changing your mortgage, or the applicable interest rate when your mortgage deal ends.
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Important information about choosing a mortgage
Please note that the table does not contain all of the details you need to choose a mortgage. Before you make a decision, make sure you obtain a separate Key Facts Illustration (KFI). You can do this online (with the exception of existing customers switching mid deal or borrowing more) by selecting 'get a quote'/'switch online' above, calling us on the number at the bottom of the table or visiting your .
When looking at mortgage options, remember there is more to a mortgage than the cost of monthly payments. You should also consider any mortgage features that are important to you and check whether any charges will apply if you decide to switch to a different mortgage.
Notes:
1 Please note we do not currently offer new mortgages on an interest only or part and part basis.
1 Please note we do not currently offer new mortgages on an interest only or part and part basis. Existing customers can continue on their current interest only or part and part repayment method when they move home (port it to a new property) without any additional borrowing or switch products without any additional borrowing. Any additional borrowing will need to be on a capital repayment basis.
Please note that if you are currently letting your property you will be unable to switch to a new mortgage deal and your mortgage will automatically revert to the Nationwide variable rate as stated in your mortgage offer.
Please note that if you are currently letting your property you will be unable to apply for additional borrowing.
Additional borrowing is only available a minimum of 6 months after completion of the main mortgage loan.
2 All mortgages require a non-refundable booking fee to be paid upfront upon reservation, with the exception of mortgages for existing customers switching deals. For details of the booking fee, expand the table above by selecting 'more info'. A product fee may be payable depending on the product selected. If you choose the no product fee option you will pay a higher rate of interest over the deal period compared to the product fee option. If you choose the option with a product 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.
3 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.
4 Free standard legal fees cover the conveyancer's professional charges relating to the house purchase or remortgage. A £250 cashback alternative is also available.
There is £25,000 minimum borrowing limit on all mortgages.
There is a £5,000 minimum borrowing limit on all mortgages with no product fee, and a £25,000 minimum borrowing limit on all mortgages with a product fee.
There is a £5,000 minimum borrowing limit on all mortgages.
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 (if applicable) and any product fee for the product.
Early Repayment Charges may apply. See for more details.