We offer all the financial products you'd expect from the world's biggest building society.
Can't find what you're looking for?
A range of useful guides and information covering a wide range of financial decisions and life events.
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.
We’re here to help, whether you need assistance with one of your accounts or if you just have questions you’d like answered.
All services are operating normally
Mortgages for First Time Buyers
Our range of mortgage offers includes a number of options to help ease the financial burden of buying a home.
At Nationwide we're proud to support the Government's Help to Buy equity loan scheme. Help to Buy loans are available through the Homes and Communities Agency for First Time Buyers and home movers who would like to buy a new build property.
A Help to Buy equity loan can provide extra money for the deposit you'd like to put towards a new home. If you have a 5% deposit, through the Help to Buy equity loan scheme, you may be able to borrow up to an additional 20% (or 40% in Greater London) of the purchase price of your home. Then you’d be able to apply for a Nationwide mortgage of up to 75% (or 55% for Greater London).
All Help to Buy shared equity loans are interest free for five years. After that, you’ll need to pay a monthly interest fee on top of your monthly mortgage repayments. If you sell your property you'll need to repay any outstanding balance on your equity loan as well.
Borrow up to 20% of the purchase price of a property in England, or up to 40% in Greater London. This scheme is available for new build homes worth up to £600,000.
Borrow up to 15% of the purchase price of a new build property in Scotland. This scheme is available for homes worth up to £230,000.
Borrow up to 20% of the purchase price of a new build property in Wales. This scheme is available for homes worth up to £300,000.
We're happy to support mortgage applications with a Help to Buy equity loan as part of your deposit. When you're ready to apply, you can make a branch appointment by calling us on 0800 30 20 10 (Mon-Fri 8am-8pm, Sat 9am-5pm) or by visiting your local branch. It's not currently possible to apply online or over the phone for a mortgage with Help to Buy.
At Nationwide we’re committed to helping you buy your first home. One of the ways we do this is by offering a great range of low-deposit mortgages called Save to Buy mortgages.
You can apply for a Save to Buy mortgage if you're in at least your third month of holding a Nationwide Help to Buy: ISA. See eligibility requirements and details below.
When you're ready to apply for a Save to Buy mortgage, one of our Mortgage Consultants will advise you on the best deal for your situation. Save to Buy mortgages include low deposit, fixed-rate deals, as well as a 10% deposit tracker option:
Borrow up to 95% of the purchase price of your home with a low deposit, fixed-rate mortgage*.
Borrow up to 90% of the purchase price of your home with a Save to Buy tracker mortgage*.
Please note that Save to Buy mortgages aren't available if you're purchasing a new-build property. We can't guarantee you'll be accepted for a Save to Buy mortgage if you open a Help to Buy: ISA.
*Save to Buy mortgages are available for a loan to value (LTV) of 85.01-95% on a fixed rate mortgage and for an LTV of 85.01-90% on a tracker mortgage.
When your Save to Buy mortgage completes, you may be eligible for a cashback reward of up to £1,000. The reward amount depends on your savings balance at the time of your mortgage application.
When you're ready to apply for a Save to Buy mortgage, head to your local Nationwide branch or you can call us on 0800 30 20 10, Monday to Friday 8am - 8pm, Saturday 9am - 5pm.
If you’re a main current account customer buying your first home, we’ll give you £250 cashback. This is in addition to any other cashback rewards.
Whichever mortgage you choose, as you're a First Time Buyer we'll give you £500 cashback.
We’re doing all we can to help first time buyers get a place they can call home.Here are the schemes we’re supporting to help you get a foot on the property ladder.
Shared ownership is where you buy a share of a home (25% to 75% of the home's value) and pay rent on the remaining share. This could be an option to get on the property ladder if you can't afford to buy a property without assistance.
Buying more shares
After you've bought your share of your home, you can buy more shares at any time. This is called 'staircasing'. Find out more on the Government's shared ownership page.
Alternative shared ownership schemes
Older People's Shared Ownership is a scheme for people aged 55 and over.
If you have a long-term disability, Home Ownership for People with Long-Term Disabilities (HOLD) can help you buy a home on a shared ownership basis.
Your local Help to Buy agent can help you with these schemes.
Forces Help to Buy is an advance of pay that can be used by eligible members of the Armed Forces towards the deposit needed to obtain a mortgage. Standard lending criteria, including affordability checks, will apply.
Want to know more? Please visit our Forces Help to Buy support page
To make an application, just visit your nearest branch.
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.
Do you have a moment to tellus about your visit?
Our survey opens in a new window,so you can do it later.
Feedback form by©KPMG Nunwood