Special offers
£300 cashback for existing customers
£300 cashback for our existing mortgage customers when you move home or switch to a new mortgage at the end of your deal. Conditions apply. View full details of our £300 cashback offer.
£300 cashback is payable per application within one month of completion of your new Nationwide mortgage.
Free standard legal and valuation fees when you remortgage to us
Free standard legal and standard valuation fees when you remortgage to us from another lender, whichever mortgage you choose. View full details of our free standard legal and valuation fees offer
Save to Buy mortgage
Mortgages with a 5% deposit available when you save with us for a minimum of 6 months. Terms and conditions apply. View full details of our Save to Buy mortgage offer
.
£500 discount on product fees for first time buyers
Reduced product fees on selected fixed and tracker rates. Helping First Time Buyers get on the property ladder. View full details of our £500 discount on product fees
Flexible mortgage
Reduced up-front costs and unlimited overpayments with our 5 year tracker mortgage. Built-in flexibility with our 5 year tracker, exclusively for our Flex Account customers. Terms & conditions apply. View full details of our Flexible mortgages.
Flexclusive cashback mortgage: £1,000 cashback for first time buyers with a main FlexAccount
£1000 cashback to our main FlexAccount customers who apply for a mortgage of more than £100,000 or more and take a fixed rate from our Flexclusive cashback mortgage range.
View full details of £1,000 cashback for first time buyers.
50% off 5 year fixed rate product fees
All customers can benefit from 50% off product fees on all our 5 year fixed rate mortgages. (offer may be withdrawn at any time and without notice)
View full details of our 50% off 5 year fixed rate product fees.
Cashback
An extra £300 when you really need it
Already have a mortgage with Nationwide? We like to reward our loyal customers, so to say thank you we'll give you £300 cashback when you:
- Move home and take out another Nationwide mortgage, or
- Switch to another Nationwide mortgage when your current offer comes to an end.
Choose any mortgage from our range and you’ll receive £300 (per application) to spend on anything you like. You will automatically receive your cashback cheque within one month of completing on your new mortgage.
Available with just a 5% deposit (loans up to 95% LTV).
This offer can be changed or withdrawn in future.
Plus: You may also be eligible for an additional £100 for switching your deal online
If you're switching to another Nationwide mortgage at the end of your deal and you complete your switch online, you'll receive an additional £100 (eligibility and terms and conditions apply)
How to apply
| |
Moving Home |
Switching at deal end |
| Online |
Apply online |
Apply online |
|
 |
 |
| By phone |
0800 111 44 10
Mon - Fri: 8am-8pm Sat & Sun: 9am-5pm |
08457 30 20 10
Mon - Fri: 8am-8pm Sat: 9am-5pm |
Free standard legal and valuation fees when you Remortgage
Cutting the costs of your new mortgage
Want to change your mortgage but worried about the upfront costs? We’d like to help, which is why we will pay your standard legal and standard valuation fees when you remortgage to us from another lender, whichever product you choose from our remortgage range.
See full .
Key Benefits:
- Free standard valuation report
This offer is available to all our remortgage customers on all of our remortgage products.
You can even:
- Borrow extra for almost any purpose, or release funds
- Take a loan of up to 85% of the value of your home (including any additional borrowing)
See full .
How to Apply:
This offer is available online, in or by calling us on 0800 111 44 10 (Mon - Fri: 8am-8pm, Sat & Sun: 9am-5pm)
Save to Buy for First Time Buyers
5% deposit mortgage plus potential cashback reward of up to £1,000
With Save to Buy, you can apply for a 5% deposit mortgage when you have held your Save to Buy savings account for 6 months or more and have paid in . We’ll give you a competitive interest rate on your savings, and the opportunity to earn a lump sum reward of up to £1,000 once your mortgage has completed, which you can spend on whatever you want, like a new sofa or decorating materials.
Plus, as your reward is linked to the amount you save, greater savings could mean greater rewards!
For your Save to Buy savings account, you can choose between two options:
- Our Save to Buy ISA – a dedicated tax-free cash ISA savings account that allows you to make unlimited deposits up to your annual cash ISA limit each tax year
- Our Save to Buy account – a limited access account that allows you to make unlimited deposits
Key Benefits of Save to Buy:
- Access to a 5% deposit mortgage
- Earn up to £1,000 as you save for your mortgage deposit
- Competitive interest rates on your savings and mortgage
Save to Buy features:
Mortgage available with a 5-14.99% deposit (85.01-95% loan to value)
A competitive interest rate. When you come to reserve your Save to Buy mortgage, the interest rate will be the same as the rates we normally reserve for existing mortgage customers moving home. You will also benefit from any other offers available to first time buyers at that time.
A cashback reward. The amount of cashback reward you could earn is linked to the savings balance at the time of the final mortgage application:
- £0 to £2,499 = £0 cashback
- £2,500 to £4,999 = £250 cashback
- £5,000 to £9,999 = £500 cashback
- £10,000 + = £1000 cashback
To be eligible to apply for our Save to Buy mortgage:
- You must be over 18 and a First Time Buyer (you have not had a mortgage in the last three years preceding the opening of the account).
- Open our Save to Buy ISA or our Save to Buy account and make a minimum of 9 monthly payments of £50 or more in any consecutive 12 month period. .
- You must apply for the Save to Buy mortgage between 6 months and 3 years of opening your Save to Buy savings account
Please note that opening a Save to Buy savings account does not guarantee acceptance for a Save to Buy mortgage.
Our mortgages are subject to underwriting and criteria.
Want to find out more?
View details, including FAQs, for our Save to Buy ISA or Save to Buy account
To apply for the Save to Buy savings
account:
To open your Save to Buy savings account you will need to visit us and follow these steps:
- Complete an application form and a standing order form in branch
- Come with at least £50,
To apply for the Save to Buy mortgage:
If you have already held a Save to Buy savings account for 6 months and meet the eligibility criteria to apply for a Save to Buy mortgage, enter your details below to view rates and see what your monthly payments would be:
Our current special offers
Our range of mortgage offers includes a number of money saving features and low upfront costs to help ease the financial burden when you buy a home or switch your current mortgage deal. You can browse through these offers by selecting each of the deals shown above.
What’s more, with over 160 years of mortgage experience, you can be sure you’ll be getting great value and outstanding service when you choose a Nationwide mortgage.
That’s why we’re the mortgage experts.
£500 discount on product fees for First Time Buyers
Helping you onto the property ladder
Buying a home can be expensive - there's more to it than just the price of your property and your monthly payments, and there can be a lot to pay upfront. We want to help, which is why we’re offering First Time Buyers a discount of £500 on the product fee on selected mortgages (a non-refundable £99 upfront booking fee applies).
Key benefits:
- £500 discount on product fees. This reduces a £900 product fee to £400.
- First time buyers can also benefit from an additional 50% off product fees on all our 5 year fixed rate mortgages. This takes the already discounted £400 product fee to £200 for first time buyers during this time. (offer may be withdrawn at any time and without notice)
- Choose from selected fixed or tracker rates
This offer is available:
- If you are a First Time Buyer (i.e. you have not had a mortgage in the past 3 years)
- With at least a 15% deposit (85% loan to value) OR
- With a 5 -14.99% deposit (85.01 - 95% loan to value) if you qualify for the Save to Buy mortgage
How to Apply:
This offer is available online, in or by calling us on 0800 111 44 10 (Mon - Fri: 8am-8pm, Sat & Sun: 9am-5pm)
Flexible Mortgage
More flexibility - and less to pay upfront
Our Flexible Mortgage is just that - flexible. So, if your circumstances change, your mortgage can adapt with them. What's more, we've reduced the upfront costs, helping you to save money on your mortgage.
Exclusively for FlexAccount customers, the Flexible Mortgage has a range of features that make it easy for you to manage your mortgage, your way.
See full .
Key benefits:
- Competitive 5 year tracker, so you can take advantage of low interest rates now
- Switch your deal when you like: there are no early repayment charges
- Make unlimited overpayments whenever you like, and once you’ve built up a reserve, make underpayments too
- Free standard legal fees - save £686 on a house worth £150,000 when you use our licensed conveyancer
- Free standard valuation report - save £225 on a property worth £150,000
PLUS: £300 cashback for our existing customers
To reward our loyal customers, if you already have a Nationwide mortgage and are taking a new Nationwide mortgage when moving home, then in addition to the benefits above we will send you a cheque for £300 within a month of completing on your mortgage.
To be eligible for the Flexible mortgage:
This offer is available if you meet all of the following criteria:
- You are buying a home (first time buyers, new/existing customers moving home) or remortgaging to Nationwide
- You have a deposit of 15% or more (up to 85% loan to value)
- You qualify as a main FlexAccount customer:
To qualify as a main FlexAccount holder and be eligible for the Flexible mortgage offer, you must hold a current account with a Visa debit card (not cash card+) and:
- Have been paying in £750 (excluding internal transfers) a month for the last three months, OR
- Complete an account transfer to us (from a non-Nationwide account) using our Account Transfer Service or have done so in the last four months
See full .
How to Apply:
This offer is available online, in or by calling us on 0800 111 44 10 (Mon - Fri: 8am-8pm, Sat & Sun: 9am-5pm)
Flexclusive cashback mortgage: £1,000 cashback for first time buyers with a main FlexAccount
As a first time buyer you may be aware that the temporary concession on stamp duty is ending on 24th March 2012, and the Government is reintroducing 1% stamp duty on properties between £125,000 and £250,000 for first time buyers.
We realise that this might be a significant cost at a time when you can least afford it, which is why we want to help cushion the blow by giving £1,000 cashback to our who take a fixed rate mortgage from our Flexclusive cashback mortgage range for first time buyers.
To receive the £1,000 cashback, you must apply for a mortgage of £100,000 or more and complete on your mortgage within 6 months of your mortgage offer being issued. Your cashback will be sent to you by cheque or bank transfer once your mortgage has completed, and you can spend this on anything you want.
This offer can be withdrawn at any time and without notice. See full .
Key benefits:
- £1,000 cashback for
- Choose from 2, 3 or 5 year fixed rates
- Offer is also available with our Save to Buy mortgage, which could mean you receive up to £2,000 cashback!
This offer is available:
To be eligible for this offer, you must meet the following criteria:
- You are a first time buyer (i.e. you have not had a mortgage in the past 3 years)
- You have at least a 10% deposit (90% loan to value) OR a 5 -14.99% deposit (85.01 - 95% loan to value) if you qualify for the Save to Buy mortgage
- You qualify as a main FlexAccount customer:
To qualify as a main FlexAccount holder and be eligible for the Flexible mortgage offer, you must hold a current account with a Visa debit card (not cash card+) and:
- Have been paying in £750 (excluding internal transfers) a month for the last three months, OR
- Complete an account transfer to us (from a non-Nationwide account) using our Account Transfer Service or have done so in the last four months
See full .
How to Apply:
This offer is available in branches or by phone only. If you apply for a mortgage online, you will not receive the £1,000 cashback.
- Find your
- Call us on 0800 111 44 10. We are open Mon - Fri: 8am-8pm, Sat & Sun: 9am-5pm
50% off 5 year fixed rate product fees
All customers can benefit from 50% off product fees on all our 5 year fixed rate mortgages:
An upfront non-refundable £99 booking fee may apply.
This offer applies to all customers, so whether you are a new or existing customer, buying your first home, moving home, borrowing more or remortgaging you can benefit from these reduced costs.
Key benefits:
This offer is available:
- On all 5 year fixed rate mortgages (offer may be withdrawn at any time and without notice)
- For new and existing Nationwide mortgage customers.
How to Apply:
This offer is available online, in or by calling us on 0800 111 44 10 (Mon - Fri: 8am-8pm, Sat & Sun: 9am-5pm).
Our mortgage offers may be withdrawn at any time and without notice.
THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.