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Switch to a new mortgage deal
Get the best rates on your next Nationwide mortgage
If you'd like to switch your current Nationwide mortgage to a different one, it's easy. Just make sure you're eligible and that you've read through the important things to consider below.
You can switch your Nationwide mortgage if:
*if the balance of any of your mortgage accounts is less than £1,000, but the total balance of all accounts is more than £1,000, please give us a call before you switch any of your accounts on 0800 30 20 10 - you may still be able to switch.
An Early Repayment Charge (ERC) may apply if you switch your mortgage during your deal period.
If you're within 3 months of your deal ending, or on our Base or Standard Mortgage Rates, or you're on a tracker mortgage with a 'switch and fix' option, you won't need to pay an ERC.
Not sure if an ERC applies to you? Check your mortgage offer or give us a call on 0800 30 20 10.
Your new mortgage may come with a product fee and it may also have different features than your current mortgage.
As of 4 March 2010, our mortgages no longer include payment holiday or borrow back options.
You can see all mortgage deal features and fees by searching our mortgage rates.
Changing to and from BMR and SMR rates
The SMR and BMR are variable rates, which we may vary in accordance with our mortgage terms and conditions. Our BMR is guaranteed to be no more than 2% above the Bank of England Base Rate. The SMR has no upper limit or cap.
If you have a mortgage with us and you've built up an overpayment reserve by making overpayments, you may want to capitalise this reserve when switching. If you’re not sure, you can check your original mortgage offer or give us a call on 0800 464 3044 and we’ll be able to check for you.
Any payments you've made over and above your normal monthly payment will be deducted from the total amount outstanding, but we actually keep it in a separate pot known as an overpayment reserve. We keep this separate so you can choose how you want to use it in the future. It may be that you want to borrow it back, take payment holidays or underpay for a period of time (eligibility applies). If you're now looking to switch mortgage and have an overpayment reserve you have 2 options to choose from:
If you'd like advice on which mortgage to switch to, you can apply by phone or in branch. If you're comfortable choosing a mortgage without receiving advice, you can switch online.
If you’re happy to choose your own deal you can switch online. Just so you know, when you decide to switch online you’ll need to make your own choice about which mortgage meets your needs. The Financial Conduct Authority have rules about how we make sure we recommend a suitable product for you, choosing your own deal means you don’t benefit from these rules and you may choose a product less appropriate to your needs.
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When you switch by phone, we'll advise you on the best new mortgage deal for your situation. Call the number below to arrange a telephone appointment with one of our Mortgage Consultants.
Mon - Fri: 8am - 8pm, Sat: 9am - 5pm (closed Sundays and Bank Holidays)
Call us on 0800 171 23 71
When you apply in a Nationwide branch, one of our Mortgage Consultants will advise you on the best new mortgage deal for your situation.
You’ll need to make an appointment in advance by giving us a call, or popping in to your nearest branch. Your appointment will last around 2 hours, and if you’re making a joint application, both applicants will need to be present.
Find your nearest branch
Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage.
Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.
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