Moving home? Move to a new Nationwide mortgage

You can apply for a new mortgage with us in two simple steps.

Step 1 – Get a Decision in Principle (DIP)

A DIP certificate is a free, no-obligation confirmation of whether we’d be prepared to lend to you. You can get a DIP before you make an offer on a property and you can apply for it online, even if you want to continue your application over the phone or in branch. Getting a DIP involves a soft credit check and won’t affect your credit score.

Step 2 – Complete your full mortgage application

Once you’ve got a DIP and have had an offer accepted on a property, you can complete your full mortgage application. At this point, you’ll choose a mortgage deal, indicate how you’ll pay any applicable product fees and tell us about your source of deposit. If you'd like to get an idea about our mortgage deals before applying, search our mortgage rates to see mortgage product features and fees. You can apply in branch or over the phone with advice, or online without advice.

When your application is complete, we'll let you know if we require any documentation or extra information, and we'll keep you informed about your application status. For further information on what documentation we may need, visit our mortgage application proofs guide.

Stamp duty and your application

In July 2020, the government announced a temporary holiday from stamp duty (also called Stamp Duty Land Tax, or SDLT). This is due to end on 31 March 2021.

If you are applying for a mortgage, your mortgage must complete by 31 March 2021 to benefit from the stamp duty holiday.

You can find more information in the GOV.UK guide to Stamp Duty Land Tax (opens in a new window).

Existing Nationwide mortgage members

  • Applications above 85.01% will only be allowed if the Loan To Value (LTV) is less than or equal to your current LTV.
  • If you’re applying for a new mortgage, an Early Repayment Charge (ERC) may apply. You’ll find details of any ERC payable on your original mortgage offer.
  • If you want to keep your existing product features, moving your existing deal (porting) to your new home could be right for you.

Learn about moving your mortgage.

Offer extensions for new build mortgages

If you’re applying for a mortgage to buy a new build property and your application has been impacted by coronavirus, you can apply for an extension.

Find out more about our changes to new build mortgage offers

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.