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Save to Buy ISA
A helping hand for First Time Buyers and Home Movers
Are you eager to get your foot on the property ladder but put off by having to save a large deposit? Or are you looking to move up the property ladder but struggling to meet all the costs? This is where Save to Buy could help, with a dedicated tax-free cash ISA savings account to help you save and a competitive interest rate on your mortgage when you're ready to buy.
On balances from £50 - £20,000.
0.10% AER tax-free on balances of £20,000+. Part withdrawals not allowed, account can be closed at any time
If you keep your account for six months and meet our regular savings requirements, you could access a 5%-deposit Save to Buy mortgage
The opportunity to earn a cashback reward on completion of a Save to Buy mortgage
First Time Buyers and Home Movers* can benefit from a dedicated savings account that helps you put money aside for a mortgage
Make unlimited deposits up to your annual ISA allowance each tax year, currently £15,000
You can open your account at any Nationwide branch. You will need £50 to open the account and set up a monthly standing order for a minimum of £50
* A first time buyer is someone who has not had a mortgage in the last three years preceding the opening of the account. A home mover is someone who is moving home and have been party to a mortgage in the last three years. Any existing mortgage(s) must be repaid or, for existing Nationwide mortgages, may be ported, on completion of the Save to Buy mortgage.
If you've already used your ISA allowance this tax year then take a look at our Save to Buy savings account.
You must have held your Save to Buy ISA for at least 6 months before you can apply for a Save to Buy mortgage and have met the regular savings requirements below.
Opening a Save to Buy ISA does not guarantee acceptance for a Save to Buy mortgage. All mortgages are subject to eligibility, underwriting and criteria.
Find out more about our range of Save to Buy mortgages for First Time Buyers, Existing Customers Moving home or New Customers Moving Home.
Ready to open a Save to Buy ISA?
Instant ISA Saver is designed for those that want the convenience of a tax-free cash ISA, with instant access.
If you don't need unlimited access to your savings consider our Limited Access Saver account, you can make up to 5 withdrawals a year without loss of interest
Don't have a Nationwide current account? Our FlexAccount could give you access to a range of exclusive offers and discounts - all with no monthly fee.
AER stands for Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.AER includes conditional bonus (if applicable)
The gross rate of interest is the interest rate payable before any income tax is deducted (if you do pay tax).
The net rate of interest is the interest payable after any income tax is deducted (if you do pay tax).
Tax-free is the contractual rate of interest payable where interest is exempt from income tax.
The tax information provided is based on our current understanding of current law and HM Revenue & Customs practice which can change.
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