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If you're comfortable borrowing more without our advice, you can apply online at your own pace.
You need to understand that you're responsible for the mortgage you choose. You'll get no advice from us, so you won't be protected if you later decide the mortgage you chose wasn't suitable.
Take a look at our recommended operating systems and browsers for using our mortgage application system.
If at any point you decide you'd like our advice, give us a call (This link will open in a new window) to book an appointment
You can also pop into your nearest branch (This link will open in a new window) to arrange to speak to a Mortgage Consultant
For everything you need to know about the proofs of income we may need to see, take a look at our Good Proofs Guide (This link will open in a new window).
You can't apply online if:
For these applications, please visit us in your nearest branch or call us on 0800 30 20 10, Monday to Friday 8am - 8pm, Saturday 9am - 5pm.
When you pay more than your monthly payment we do three things:
When you borrow more, we include your current balance and the overpayment reserve when working out your loan to value (LTV). The rates available to you will depend on your LTV band - the higher your LTV band, the higher the rate you'll pay. Your overpayment reserve increases your LTV, but may not mean you move to a higher LTV band. When you borrow more, you've got two options with your overpayment reserve:
Option 1: Reduce your overpayment reserve
This means you won’t be able to underpay on the overpayment reserve you’ve removed after your switch, but your LTV will be lower and may mean you pay a lower rate if you move to a lower LTV band.
Option 2: Keep your overpayment reserve
This means you'll be able to use your overpayment reserve to underpay, but your LTV will be higher and may mean you'll need to pay a higher rate if you move to a higher LTV band.
If you’d like to find out more about how your overpayment reserve could impact your mortgage, please call us on 0800 30 20 11.
If you took out your current mortgage deal through Nationwide before 4 March 2010 and have been making overpayments on your mortgage, you may be able to withdraw money from your overpayment reserve.
You'll need to have a borrow back option on your mortgage to be eligible – if you took your current mortgage deal through Derbyshire, Cheshire or Dunfermline Building Societies you'll need to check your offer to find out if you have this feature. Find out more about borrow back options or give us a call on 0800 30 20 10.
Think carefully before securing other debts against your home. Your mortgage is secured on your home, which you could lose if you do not keep up your mortgage repayments.
Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.
Choose to apply by phone and we'll go through your income and outgoings with you to give you our Decision in Principle (DIP). Have details of your expenditure and earnings to hand when you call us.
We'll then arrange an appointment for you to complete your full application with one of our Mortgage Consultants. They'll advise you on what's best for you, and help you complete your application.
It typically takes up to 45 minutes to get a DIP
Mon - Fri: 8am - 8pm, Sat: 9am - 5pm (closed Sundays and Bank Holidays)
Call us on 0800 171 23 71
Apply for your additional borrowing at one of our branches, and a Mortgage Consultant will be there to advise you on what's best for you.
You'll first need to make an appointment by giving us a call (This link will open in a new window) or popping into your nearest branch (This link will open in a new window).
Your appointment will last around 2 hours
Ready to take the next step?
Find your local branch
Speak to one of our mortgage experts
Come and see us at your nearest branch (This link will open in a new window)
Send us a message (This link will open in a new window) online
Our website survey opens in a newwindow for you to complete once you'vefinished what you wanted to do.
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