Get a Decision in Principle to move home as an existing Nationwide mortgage member

Before you can apply for a mortgage, you’ll need to get a Decision in Principle.

Getting a Decision in Principle (DIP)

A Decision in Principle confirms what we'd be prepared to lend to you. It’s also known as an Agreement in Principle (AIP) or a Lending Certificate.

An estate agent may ask to see your Decision in Principle before they will let you view a property. You’ll be able to download your Decision in Principle certificate from our online application portal.

Check your application and download your documents


Stamp duty and your application

The current stamp duty holiday means you won’t pay the tax on a property purchase, up to a certain amount.

Until 30 June 2021, you won’t pay stamp duty on the first £500,000 of a property purchase. Then, until 30 September 2021, it reduces to the first £250,000.

To benefit from the holiday, your mortgage must complete by these dates.

If you’re buying in Scotland or Wales, different rules apply.

To find out more, visit the GOV.UK guide to Stamp Duty (opens in a new window).


If you're applying with an LTV between 85.01% and 90%

  • The most we can lend is £500,000.
  • We will only accept applications if you’re buying a house or a bungalow – not for flats, maisonettes, coach house flats or coach houses.
  • We will only accept applications to buy pre-owned properties, not new build homes.

Existing Nationwide mortgage members

  • Applications above 90.01% 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.

Information: House prices can go up and down. If property prices fall, there's a risk that the equity in your home could drop too. This could affect your future plans.

Find out more by visiting our House Price Index


Get a Decision in Principle

Find out how much we’d be prepared to lend you. We'll run a soft credit check but this won’t affect your credit rating.

Get a Decision in Principle


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.