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Mortgage rates for existing customers borrowing more

Think carefully before securing other debts against your home. Your mortgage is secured on your home, which you could lose if you do not keep up your mortgage repayments.

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Important Information

Please note that this page 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 by visiting your local branch, by phone or online. If you do continue your application online you need to be comfortable that you won’t receive advice from us. However, you will have the option before submitting your application to switch and complete it either in branch or by phone where you will receive advice.

When looking at your 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.

Please note we do not currently offer new mortgages on an interest only or part and part basis.

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 0.25% and have a tracker floor of 0.00%. Correct as at 9 August 2016.

There is a minimum borrowing limit of £5,000 for all existing mortgage customer transactions, except for customers seeking to switch their Nationwide mortgage where a minimum borrowing limit of £1,000 applies. There is a minimum borrowing limit of £25,000 for all new mortgage customer transactions.

Remortgages between 80% - 85% LTV can either be used to increase borrowing for home improvement or for remortgaging to Nationwide on a like-for-like basis (i.e. the same amount in £s as your current mortgage).

Remortgages higher than 85% LTV can only be used to remortgage to Nationwide on a like-for-like basis (i.e. the same amount in £s as your current mortgage).

Our mortgage products can change or be withdrawn at any time.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 fees and charges for more details.

Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.

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