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We’re the world’s largest building society. Run for the benefit of our members. Being a building society means that we’re free to reinvest our profits to improve the products and services we offer.
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Mortgages for First Time Buyers
At Nationwide, we’re here to help make the journey to getting your new home as smooth as possible. You can apply for a mortgage with us in two simple steps.
A DIP certificate is a free, no-obligations confirmation of whether we’d be prepared to lend to you. You can get a DIP before you make an offer on a property and you can apply for it online, even if you want to continue your application over the phone or in branch. Before you get a DIP, it's worth considering that a credit check is a part of this step, and numerous credit checks aren't good for your credit score. If you’d like to find out how much you could borrow first, you can use our Mortgage Affordability Calculator.
Once you’ve got a DIP and have had an offer accepted on a property, you can complete your full mortgage application. At this point, you’ll choose a mortgage deal, indicate how you’ll pay any applicable product fees and tell us about your source of deposit. If you'd like to get an idea about our mortgage deals before applying, search our mortgage rates to see mortgage product features and fees. You can apply in branch or over the phone with advice, or online without advice.
When your application is complete, we'll let you know if we require any documentation or extra information, and we'll keep you informed about your application status. For further information on what documentation we may need, visit our mortgage application proofs guide.
If you'd like advice on choosing your first mortgage, you can apply by phone or in branch. If you're comfortable choosing a mortgage without receiving advice, you can apply online.
If you choose to apply online, you’ll be responsible for your choice of mortgage, and you won’t benefit from the protection provided by our advised services. You can always start your application online and if you decide you’d like advice at any point, simply stop where you are and continue over the phone or in branch.
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For these applications, please visit us in your nearest branch or call us on 0800 30 20 10, Monday to Friday 8am - 8pm, Saturday 9am - 5pm.
Please be aware that we are unable to process a Decision in Principle between the hours of 11pm and 6am. We apologise for any inconvenience this may cause.
When you apply by phone, we'll complete the first application step with you - getting a Decision in Principle. This call may last up to 45 minutes, and you'll need details of your income and outgoings to hand. Check our Mortgage application proofs guide to find out exactly what we'll need.
We'll then arrange an appointment for you to complete your full application with a Mortgage Consultant. Your consultant will give you advice on the most suitable mortgage for you, and be with you every step of the way.
You can reduce your appointment time by completing Step 1 online yourself if you’re comfortable doing so. Simply apply online for a Decision in Principle, then call us to arrange to continue your application with a Mortgage Consultant.
Mon - Fri: 8am - 8pm, Sat: 9am - 5pm (closed Sundays and Bank Holidays)
Call us on 0800 121 69 49
When you apply in a Nationwide branch, one of our Mortgage Consultants will be with you every step of the way.
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.
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YOUR MORTGAGE IS SECURED ON YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DON'T KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.
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