What we can offer

Our mortgage rates

Offers and Schemes

Offers and schemes for First Time Buyers  

Buying your first home could be the biggest purchase you'll ever make, and it's not always easy to raise money for a deposit, fees and moving. There are Government-sponsored affordable housing schemes that could help you in various ways. We support mortgage applications with shared ownership, Right to Buy, Forces Help to Buy and Help to Buy equity loans. 

We also have a range of low-deposit mortgages for customers who've been saving with us in a Save to Buy savings account/ISA or Help to Buy: ISA. These include 5% deposit fixed rate mortgages and 10% deposit tracker mortgages. And as a First Time Buyer you'll get £500 cashback simply for taking out your first mortgage with us. 

£500 cashback on your first mortgage

Who wouldn't like a bit of a break from all the costs of buying a new home? Once your mortgage completes, we'll give you £500 back - just a little something you could use towards something special for your new home.

Terms and conditions:
Only one £500 cashback will be paid per mortgage and is payable within one month of completion. If applying jointly, all applicants need to be First Time Buyers. This cashback will be in addition to any Save to Buy and Flexclusive cashback rewards.This cashback offer only applies to customers who reserved their mortgage on or after 13 May 2015.

Affordable housing schemes for First Time Buyers

Help to Buy: ISA

Start saving for your first home with a Help to Buy: ISA from Nationwide.

Help to Buy equity loans

A Government loan scheme that could help you with money towards your deposit.

Help to Buy mortgages

If you're using a Help to Buy equity loan as part of your deposit, you could get a mortgage from our Help to Buy range.

Shared ownership mortgages

We have mortgages for shared ownership buyers.

Right to Buy mortgages

If you're interested in buying your council or housing association home, we support Right to Buy.

Forces Help to Buy

We support Armed Forces members who need help to buy their first home.

5% deposit mortgages for first time home buyers

Save to Buy 5% deposit mortgages

If you've been saving for your first home with us in a Help to Buy: ISA or Save to Buy ISA or Save to Buy Savings Account, we have a range of mortgages just for you.

Our Save to Buy mortgage range includes 95% mortgages on a fixed rate and 90% tracker mortgages, so you could buy your first home with a deposit as low as 5%.

Save to Buy mortgages also come with a Save to Buy cashback offer. Depending on how much you've saved, you could get up to £1,000 back when your mortgage completes - that's in addition to the £500 cashback you'll get just for taking out your first mortgage with us. 

Save to Buy mortgages

£250 cashback for existing current account holders

If you're a Nationwide main current account holder and you take out a Nationwide mortgage, you could get £250 cashback within a month of completion. Eligibility criteria and terms and conditions apply.

Find out more

YOUR MORTGAGE IS SECURED ON YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DON'T KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Our mortgage offers may be withdrawn at any time and without notice.

Mortgages are subject to underwriting and criteria.

Mortgage calculators

Help and guides

How to Apply