Key stages and timescales

The stages of your mortgage application, from applying to hearing back from us.

Managing your mortgage online

Information to show you how managing your mortgage online may make things easier for you.

Further mortgage support

Where to find more answers to your mortgage questions.

Key stages and timescales


Managing your mortgage online

Are you registered for the Internet Bank? If so, you can manage your mortgage online.

What can I do with my mortgage online?

Once you’ve logged into our Internet Bank you’ll be able to:

  • Manage your monthly payments
  • Make overpayments if you bank with Nationwide (these will show combined with your monthly payments)
  • Manage insurance payments
  • Make advance payments
  • Check interest added
  • View statements
  • See your interest rate history
  • Check your redemption date

What if I don't bank online?

If you would like to speak with someone about your mortgage, please call us on 0800 30 20 11, or visit your local branch.

How do I make overpayments online?

You can make overpayments of up to £100,000 via the Internet Bank, or a BACS/CHAPS payment. But make sure you check your agreed overpayment limit first, as Early Repayment Charges may be applicable.

Making a payment via the Internet Bank

You can use internet banking to pay off your mortgage with a single mortgage payment. The limit is £100,000, but multiple transfers can be made so long as cleared funds are available. But make sure you check your agreed overpayment limit first, as Early Repayment Charges may be applicable.

Making a CHAPS/BACS payment

To make a CHAPS/BACS payment to your mortgage, you’ll need the following details:

Sort code: 07-00-94
Account number: 44444445
Reference number: Your mortgage account number

How do I change my overpayment preference online?

Just go to the ‘My Mortgage’ section on the Internet Bank and select the ‘Overpayment preference’ option . It will automatically be set to recalculate your payments when you overpay by £500 or more, to lower your monthly repayments and keep your term the same. This can be changed at any time to reduce your term and keep your payments the same instead.

Visit our mortgage support section to find out more about changes to your mortgage, fees and charges, or payment difficulties.

We hope you’ve found this guide useful. If you’d like to speak with one of our mortgage experts, call us on 0800 30 20 10 (Monday to Friday 8am - 8pm and Saturday 9am - 5pm), or visit us in branch.  We’re closed Sundays and bank holidays.