What's in this section?

Key stages and timescales

What you can expect to happen and when.

Managing your mortgage online

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

Further mortgage support

Helping you understand how to pay back your mortgage.

Key stages and timescales


Managing your mortgage online

If you're registered for our internet banking service you can manage your mortgage online.  Alternatively, you can find your mortgage details on your yearly statement, by calling 0800 30 20 11 or by visiting us in branch.

Once you’ve logged onto the 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).
  • Make advance payments.
  • Check interest added.
  • View statements.
  • See your interest rate history.
  • Check your redemption date.

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.

How do I make a payment through 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.

Can I make a CHAPS or 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.

What if I want to register to bank online?

It only takes 3 easy steps and a few minutes to register for Internet Banking. But, for security, we'll need to send you some details in the post so you won't be able to use it straight away.

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.

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