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Special offers

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£300 cashback
£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 about £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
Free standard legal and standard valuation fees when you remortgage to us from another lender, whichever mortgage you choose. View full details about Free standard legal and valuation fees

Conditions apply

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 about Save to Buy mortgages

.

£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 about £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 about Flexible mortgages.

Exclusively available when our Flex Account is your main current account (terms and conditions apply).

5% premium discount on mortgage life insurance and/or critical illness cover for first time buyers
First time buyers are entitled to a 5% discount on life insurance and/or critical illness cover that is taken to protect the full mortgage amount. Conditions apply. View full details about 5% premium discount.

135 days worth of free home insurance for first time buyers
First Time Buyers are entitled to an introductory discount when you buy new buildings and contents together. Conditions apply. View full details about 135 days worth of free home insurance for first time buyers.

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.

£300 cashbackChoose 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.

low 5% depositAvailable 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)

Enter your details to view and compare this and our other mortgage deals

View rates

How to apply

 
Moving Home
Switching at deal end
Online YesApply online YesApply online
In branch Yes Yes
By phone Yes

0800 111 44 10

Mon - Fri: 8am-8pm
Sat & Sun: 9am-5pm

Yes

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 terms and conditions.

Key Benefits:

Free Legal Fees
Free valuation
  • Free standard legal fees
  • 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 terms and conditions.

Enter your details to view and compare our mortgage deals

View rates

How to Apply:

This offer is available online, in 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

If you already hold a Save to Buy savings account and are looking for information about the Save to Buy mortgage,
view our mortgage rates

5% deposit mortgage plus potential cashback reward

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 regular deposits. We’ll give you a competitive interest rate on your savings, and the opportunity to earn a lump sum cashback reward once your mortgage has completed, which you can spend on whatever you want, like a new sofa or decorating materials.

Plus, as your cashback reward is linked to the amount you save, greater savings mean greater rewards!

Key Benefits of Save to Buy:

Cashback and 5% deposit
Competitive Interest Rates
  • Access to a 5% deposit mortgage
  • Earn as you save for your deposit
  • Competitive interest rates
 

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 savings account and make a minimum of 9 monthly payments of £50 or more in any consecutive 12 month period. Terms and conditions apply.
  • 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.

Want to find out more?

View details of the Save to Buy savings account

Visit our Savings section to read our FAQs about Save to Buy or download our Save to Buy leaflet

To apply for the Save to Buy savings account:

To open your Save to Buy savings account you will need to visit us in branch and follow these steps:

  1. Complete an application form and a standing order form in branch
  2. Come with at least £50, appropriate identification and proof of address

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:

View rates

*Please note: the Save to Buy mortgage is only available for a loan to value (LTV) of 85.01-95%. What’s loan to value?

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 off product fees
Choice of deals
  • £500 discount on product fees
  • 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

Enter your details and compare the mortgage deals available to you

View rates

How to Apply:

This offer is available online, in 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 FlexAccount customers, the Flexible Mortgage has a range of features that make it easy for you to manage your mortgage, your way.

See full terms and conditions.

Key benefits:

Flexible
Free legal and valuation fees
  • 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

£300 cashbackTo 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:

FlexclusivesTo qualify as a main FlexAccount holder and be eligible for the Flexible mortgage offer, you have to hold a FlexAccount with a Visa debit card (not cash card+) and

  • pay in £750 or more each month (excluding internal transfers), OR
  • agree to complete an Account Transfer from an account (non Nationwide) using our Account Transfer Service or have done so in the past 4 months.

See full terms and conditions.

Enter your details to view and compare this and our other mortgage deals

View rates

How to Apply:

This offer is available online, in branch or by calling us on 0800 111 44 10 (Mon - Fri: 8am-8pm, Sat & Sun: 9am-5pm)

5% discount on Mortgage Life Insurance and/or Critical Illness cover for First Time Buyers

Helping to financially protect you and your loved ones

At this exciting time of your life, the last thing you want to have to worry about is how your loved ones will cope financially if you become critically ill, or worse, pass away.

That’s why it’s important to protect you and your mortgage with Life and/or Critical Illness cover. When you apply for a mortgage with us, we’ll give you a 5% discount on any Nationwide Mortgage Life Insurance and/or Critical Illness cover that is taken to protect your mortgage amount (with a minimum premium of £6 per month). This discount applies for the full term of the plan, so whilst this might seem like a small amount, you could save hundreds of pounds in total.

To take advantage of this offer, you will need to apply for your mortgage between 6th February and 4th March 2012, and apply for the Mortgage Life Insurance and/or Critical Illness cover by 18th March 2012. See full terms and conditions.

Both Mortgage Life Insurance and Critical Illness cover are provided by Legal and General.

Key benefits of Mortgage Life Insurance

With mortgage life insurance, you get the peace of mind that your mortgage could be paid off if you die during the term of the plan. Key benefits include:

  • Premiums could be really affordable - from just £6 per month
  • Choose how long you want the cover to last for, and how much the lump sum will be
  • Choose between fixed or decreasing cover to suit your mortgage
  • Free 24-hour moving day rescue service ('SmoothMove'), including car recovery, hotel accommodation, rescue removal van and legal advice (conditions apply)

Find out more about Mortgage Life Insurance

Key benefits of Critical Illness cover

With Critical Illness cover, you'll be covered for 39 illnesses and disabilities. So if you ever fall critically ill, you could have a lump sum to use how you want. Key benefits include:

  • A lump sum to use how you want
  • Your lump sum could be paid out as soon as you're diagnosed
  • Automatically includes critical illness cover for your children (subject to terms & conditions)
  • Cover for a large range of illnesses – 39

Find out more about Critical Illness cover

This offer is available:

  • To all First Time Buyers taking any mortgage product from our First Time Buyer mortgage range

See full terms and conditions

How to apply for this offer:


For your mortgage:
To qualify for this offer, you must apply by 4th March 2012
For Mortgage Life Insurance and/or Critical Illness cover:
To qualify for this offer, you must apply by 18th March
Online
  • Apply online
To be eligible for your 5% discount, you cannot apply online
In branch
  •  
  •  
By phone
  • 0800 111 44 10
    Mon - Fri: 8am-8pm
    Sat & Sun: 9am-5pm
  • 0800 111 44 10
    Mon - Fri: 8am-8pm
    Sat & Sun: 9am-5pm

Enter your details to view and compare this and our other mortgage deals

View rates

135 days' worth of free home insurance for First Time Buyers

Helping you to protect your new home

Buying your first home is an exciting time, and naturally you’ll want to look after your new home and belongings. That’s why we’re offering first time buyers 135 days’ worth of free home insurance when you take out our building and contents insurance together for your new home.

To be eligible for this offer, you must apply for a mortgage within our first time buyer mortgage range by 4 March 2012. The home insurance discount applies only if you are taking out a new home insurance policy, and is available only between 6 February and 30 March 2012. See full terms and conditions.

With our 5 star defaqto rated home insurance, you can be sure you’ll be getting some of the best quality cover in the market:

Key benefits of our home insurance:

Defaqto 2012
Choice of deals
  • Rated 5 stars by Defaqto, the independent financial research company
  • Tailor your cover to suit your needs
  • Pay by Direct Debit at no extra cost (0% APR Representative)
 

Award winning home insurance:

Not only has our home insurance been rated with 5 Stars by Defaqto for being one of the best products on the market, we have also received a prestigious Intelligent Choice award for Customer Service – these awards are voted for by customers.

Want to find out more about our award winning home insurance?

This offer is available:

  • To all First Time Buyers taking any mortgage product from our First Time Buyer mortgage range

See full terms and conditions

How to apply for this offer:


For your mortgage:
To qualify for this offer, you must apply by 4th March 2012
For your home insurance:
To qualify for this offer, you must apply by 30th March 2012
Online
  • Apply online
To be eligible for offer, you cannot apply for your home insurance online
In branch
  •  
  •  
By phone
  • 0800 111 44 10
    Mon - Fri: 8am-8pm
    Sat & Sun: 9am-5pm
  • 0800 111 44 10
    Mon - Fri: 8am-8pm
    Sat & Sun: 9am-5pm

Enter your details and compare the mortgage deals available to you

View rates

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

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Nationwide Building Society is authorised and regulated by the Financial Services Authority under registration number 106078. Credit facilities other than regulated mortgages are not regulated by the Financial Services Authority. You can confirm our registration on the FSA's website, www.fsa.gov.uk or by contacting the FSA on 0845 606 1234.