Special offers
Existing mortgage customers
We offer our best mortgage rates to our existing mortgage customers
If you're an existing mortgage customer you can be confident that we will reward your loyalty by offering you our best rates when the time comes for you to take a new mortgage deal. View full details of our existing mortgage customer offer.
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
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£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.
4 year fixed rate mortgage
Whether you are planning for the future or needing to keep to a specific budget, knowing exactly what your monthly repayments will be for the next 4 years could give you the reassurance you need. Plus with low upfront costs, getting that peace of mind could be less expensive than you might think.
4 year fixed rate mortgage.
Home movers
Save with us and you could get a 5% deposit mortgage.
View full details of our Save to Buy mortgage offer.
Rewarding your loyalty
We offer our best mortgage rates to our existing mortgage customers, like you. If you're an existing mortgage customer you can be confident that we will reward your loyalty by offering you our best rates when the time comes for you to take a new mortgage deal.
It's just our way of saying thanks for your loyalty.
Key Benefits:
Lowest rates
- You pay a lower rate during the deal period than a new mortgage customer on the same product
Great choice of mortgages
- You have access to our comprehensive yet simple to understand range, all with our best rates.
The choice is yours.
To be eligible for our best mortgage rates you just need to be an existing Nationwide mortgage customers.
You may be eligible for £100 cashback 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 £100 cashback (eligibility and terms and conditions apply)
How to apply
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Moving Home |
Switching at deal end |
| Online |
 Apply online |
Apply online |
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| 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 branch or by calling us on 0800 111 44 10 (Mon - Fri: 8am-8pm, Sat & Sun: 9am-5pm)
Save to Buy for First Time Buyers
Already have a Save to Buy savings account? If you already hold a Save to Buy savings account and are looking for information about the Save to Buy mortgage, you can check your eligibility here.
View our mortgage rates
5% deposit mortgage plus potential cashback reward of up to £1,000
At Nationwide we are committed to helping you buy your first home and our Save to Buy 5% deposit mortgage is yet another example of how we are on your side 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 regular deposits. 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.
Plus, as your reward is linked to the amount you save, greater savings could mean greater rewards!
Key Benefits of Save to Buy:
5% Deposit
- Access to a 5% deposit mortgage which means we could lend you between 85.01% - 95% of the purchase price of your home
Cashback reward
- Earn up to £1,000 as you save for your mortgage deposit
For your Save to Buy savings account, you can choose between two options:
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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
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Earn interest on a limited access account that allows you to make unlimited deposits of up to £20,000 (balances over £20,000 will earn a lower interest rate).
Save to Buy features:
Mortgages available with a 5-14.99% deposit (85.01-95% loan to value)
A competitive interest rate on your mortgage. 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.
- You must apply for the Save to Buy mortgage between 6 months and 3 years of opening your Save to Buy savings account
The tax information provided is based on our current understanding of current law and HM Revenue & Customs practice which can change.
Please note that opening a Save to Buy savings account does not guarantee acceptance for a Save to Buy mortgage.
*Please note: the Save to Buy mortgage is only available for a loan to value (LTV) of 85.01-95%. ?
As with all mortgages, our Save to Buy mortgages are subject to underwriting and criteria which can change over time.
Existing Save to Buy Savers
To apply for the Save to Buy mortgage:
If you have 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:
A helping hand to get moving
Already have a Save to Buy savings account? If you already hold a Save to Buy savings account and are looking for information about the Save to Buy mortgage, you can check your eligibility here.
View our mortgage rates
Save with us, and a 5% deposit mortgage and up to £1,000 cashback could be yours.
If you’re thinking about moving home, you’ll know how hard it can be to find the moving costs. That’s why we’re giving our members a helping hand. Simply open a Save to Buy account with us and make regular deposits for 6 months or more and you’ll then be able to apply for a 5% deposit mortgage. Your savings will also benefit from a competitive interest rate, plus you could get up to £1,000 after everything’s done and dusted.
Main benefits at a glance
5% deposit mortgage
- You’ll be able to apply for a low deposit mortgage, so we could lend you between 85.01% and 95% of the purchases price of your home.
Cashback
- You could receive up to £1,000 cashback once everything’s completed.
With Save to Buy, you can choose between two options:
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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
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Save up to £20,000 in a limited access account, and enjoy a competitive rate of interest. Balances over £20,000 will earn a lower rate.
Save to Buy features:
Mortgages available with a 5-14.99% deposit (85.01-95% loan to value)
A competitive interest rate on your mortgage. 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 home movers at that time.
A cashback reward
The amount of 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 home mover - (A home mover is someone who is moving home and has an existing mortgage that must be repaid or ported on completion of the Save to Buy mortgage)
- You must hold a Save to Buy ISA or a Save to Buy Account.
- You must apply for the Save to Buy mortgage between 6 months and 3 years of opening your Save to Buy savings account
- Save at least £50 per month for six months or more
- You must have made no withdrawals on the account
The tax information provided is based on our current understanding of current law and HM Revenue & Customs practice which can change.
Please note that opening a Save to Buy savings account does not guarantee acceptance for a Save to Buy mortgage.
*Please note: the Save to Buy mortgage is only available for a loan to value (LTV) of 85.01-95%. ?
As with all mortgages, our Save to Buy mortgages are subject to underwriting and criteria which can change over time.
Existing Save to Buy Savers
To apply for the Save to Buy mortgage:
If you have 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.
- 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) and choose a mortgage from our First Time Buyer range.
How to Apply:
This offer is available branch 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 current account 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
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 current account customer:
To get access to our range of Flexclusive offers you must either:
- Hold a FlexAccount with a Visa debit card (not cash card or cash card+) and:
- Have been paying in £750+ a month (excluding internal transfers) for the last 3 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 4 months; or
- Hold a FlexDirect or FlexPlus account.
See full .
How to Apply:
This offer is available branch or by calling us on 0800 111 44 10 (Mon - Fri: 8am-8pm, Sat & Sun: 9am-5pm)
A market leading 4 year fixed rate mortgage
Enjoy the peace of mind of a 4 year fixed rate, exclusively for main current account customers
Whether you are planning for the future or needing to keep to a specific budget, knowing exactly what your monthly repayments will be for the next 4 years could give you the reassurance you need. With our and plus a no product fee option, getting that peace of mind could be less expensive than you might think and are just a few more ways we demonstrate how we are on your side.
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Key benefits:
A market leading rate which gives you peace of mind for 4 years
- Peace of mind knowing exactly what your monthly repayments will be for the next 4 years
An early repayment charge will apply during the 4 year term
Upfront costs
- Free standard legal fees
- Free standard valuation fees
- A £900 product fee applies*
This means you could save up to £925.80 on a property worth £150,000 (save £700.80 when using our licensed conveyancer, and save £225 on a standard valuation report)
A £99 non-refundable booking fee is payable upfront
*A no product fee option with a higher initial rate is available
To be eligible for a 4 year fixed rate mortgage
- You are buying a home (first time buyers, new/existing customers moving home) or remortgaging to Nationwide
- Have a deposit of 5% or more (up to 95% loan to value). Initial rates will vary dependent on your loan to value.
- You qualify as a main current account customer
To get access to our range of Flexclusive offers you must either:
- Hold a FlexAccount with a Visa debit card (not cash card or cash card+) and:
- Have been paying in £750+ a month (excluding internal transfers) for the last 3 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 4 months; or
- Hold a FlexDirect or FlexPlus account.
This offer is also available in or by calling us on 0800 44 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.