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Move home with your Nationwide mortgage
You can apply for a new mortgage with us in two simple steps.
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.
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.
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).
Learn about moving your mortgage.
If you'd like advice on choosing your next mortgage, you can apply by phone or in branch. If you're comfortable choosing a mortgage without receiving advice, you can apply online.
If you’re happy to choose your own deal you can apply online. Just so you know, when you decide to apply online without advice you’ll need to make your own choice about which mortgage meets your needs and you won’t benefit from the protection of having a suitable product recommended to you. The Financial Conduct Authority have rules about how we make sure we recommend a suitable product for you, choosing your own deal means you don’t benefit from these rules and you may choose a product less appropriate to your needs.
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For these applications, please call us on 0800 30 20 10, Monday to Friday 8am - 8pm, Saturday 9am - 5pm.
When you apply by phone, we'll complete the first application step with you - getting a Decision in Principle. This call may last up to 45 minutes, and you'll need details of your income and outgoings to hand. Check our Mortgage application proofs guide to find out exactly what we'll need.
We'll then arrange an appointment for you to complete your full application with a Mortgage Consultant. Your consultant will give you advice on a suitable mortgage for you, and be with you every step of the way.
Please bear with us at the moment
We may take longer to answer your calls, or to process your application. Some of our employees are self-isolating, and there is a lot to do, but we'll continue to work as fast as we can. As always, supporting our members is our top priority.
Mon - Fri: 8am - 8pm, Sat: 9am - 5pm (closed Sundays and Bank Holidays)
Call us on 0800 171 23 70
While we need to keep each other safe by staying at home, we cannot accept applications in branch. For now, please call us to apply if you need advice. Or, if you're happy to apply without advice, you can apply online.
Ready to take the next step?
Apply in branch
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.