What's in this section?

How to apply

Your options for how and where to apply for a Nationwide mortgage.

Preparing your documents

Where to send the documents you’ll need to support your application.


A guide to Home Insurance and Personal Insurance.

You can choose to apply for a remortgage with advice or without advice.

Applying with advice

Applying with advice means that one of our Mortgage Consultants will help you through the application process, and they'll provide advice on which mortgage deal will best meet your needs. You can apply with advice by phone or in a Nationwide branch.

If you're applying for a shared ownership mortgage, borrowing more to consolidate debt, or your mortgage term will go into retirement, you'll need to apply with advice.

Applying without advice

If you don't want advice or help with your application, you need to be sure that you choose a mortgage deal that's right for your own needs and circumstances. If you're comfortable applying without advice, you can apply online.

If you choose to apply online but decide at any point that you'd like advice, you can always stop where you are and finish your application by phone or in branch.

Preparing your documents

When you’ve finished your application, we’ll let you know which documents we need to see as proof of your income and outgoings.  We’ve also got a handy guide to take you through each type of document and exactly what we’re looking for. 

If you apply online, you can send your documents via email or post, or drop them by your local branch. If you apply over the phone, please post your documents or bring them by your local branch. If you apply in branch, you can bring your documents with you to your appointment/s. 

Go to the mortgage application documents guide

If you’re remortgaging you should already have home insurance in place. It's really important to review existing insurance policies to make sure they'll continue to provide sufficient cover.

You should also think about your mortgage arrangements and how you’d keep up your mortgage payments if your circumstances changed. For example, if you or anyone else responsible for making payments became ill or died. You may already have cover in place for this but now's a good time to review your existing arrangements and take into account any change in your mortgage repayments.

Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage.