There's no affordability check when you switch deal.


We have changed the way our customers can access Mortgage Manager. To use Mortgage Manager, you must be registered with either our Internet Bank or banking app. Please give yourself enough time to register before your rate expires.

When you can switch online

You can apply to switch online now - without paying an Early Repayment Charge - if you're on:

  • a tracker mortgage deal
  • a fixed rate mortgage deal with less than 4 months left
  • the Standard Mortgage Rate or Base Mortgage Rate

You'll be given the choice of a few dates for your new deal to start from.

When you cannot switch online

We'll need to speak to you first if:

You're on a fixed rate deal with more than 4 months left

An Early Repayment Charge (ERC) will apply, and we need to take the payment over the phone or by video call.

One of our mortgage advisers can also talk through your needs to make sure switching early is right for you and recommend the right deal.

You can check what your current ERC is by logging in to Mortgage Manager via our banking app or Internet Bank.

You’re on one of our mortgage deals for over 55s

If you're on a Retirement Interest Only mortgage or a Retirement Capital and Interest mortgage, we can only complete your application by phone or video call.

When you apply, one of our mortgage advisers can also talk through your options and recommend the right deal for you.

Check deals and switch online, or get advice

Use Mortgage Manager by logging in to our banking app or Internet Bank to browse the deals available to you and, if you're eligible, apply to switch.

Switching online means you'll be choosing a mortgage yourself. If you're not comfortable doing this, you can contact us for free advice.

If you can't switch online, or you'd like to talk through your options, get in touch with us for free advice.

Register for the Nationwide banking app or Internet Bank  

To use Mortgage Manager and switch online you need to be registered for either our banking app or Internet Bank. 

Existing users of our Internet Bank and banking app

If you’re using our banking app, click on your mortgage account and manage your account online.

If you are using our Internet Bank, after logging in, follow these steps:

  1. Select your mortgage account
  2. Go to the Related services menu on the left-hand side and select Manage your mortgage

Get advice and apply by phone or video

Call us to book a free phone or video appointment with one of our mortgage advisers.


Worried about making your monthly mortgage payments?

If you’re struggling to make your monthly mortgage payments, our Home Support Hub tells you what options are available to help you reduce your payments.


Think carefully before securing other debts against your home. Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage. Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.