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How to Apply

Manage your switch online, or arrange an appointment on the phone or in branch with one of our Mortgage Consultants.

Start your mortgage switch application

Apply online

Our Mortgage Consultants can advise you on a mortgage deal to suit you. But if you're comfortable choosing a new deal without our advice, you can apply online at your own pace.

It's important to understand that you are responsible for the deal you choose. If you don't take advice from us, 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.

What you need to consider before applying

You can't apply online if:

  • You need to pay an Early Repayment Charge to switch
  • You want to change your current mortgage term or repayment method
  • You're switching to a tracker mortgage with a Loan To Value (LTV) of 80% or more
  • You're switching to fixed mortgage with an LTV of over 95%
  • You have more than two people on your current mortgage

Other things to consider

If you've been making overpayments

When you pay more than your monthly payment, we do three things:

  • Take all overpayments off your balance straight away and reduce the interest you pay us from the next day.
  • Reduce your monthly payment (or term if you’ve asked us to) if you overpay by more than £500.
  • Keep track of all the extra you’ve paid on your mortgage and call this amount your ‘overpayment reserve’, which allows you to underpay (or borrow back, if you have that feature).

When you switch, 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 switch to a new deal, 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 after your switch, 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.

Are you on our Base Mortgage Rate?

You’ll be on our Base Mortgage Rate (BMR) if your current deal was reserved through:


  • Nationwide on or before 29 April 2009
  • Derbyshire Building Society on or before 30 May 2009
  • Cheshire Building Society on or before the 14 June 2009

If you’re currently on our Base Mortgage Rate (BMR) you’ll never pay more than 2% above the Bank of England base rate.

Choose to switch your deal, and you’ll move automatically onto our Standard Mortgage Rate (SMR) when the deal ends, which has no upper limit or cap. Think carefully before switching your deal, as you won’t be able to move back to our BMR once your new deal ends.

Do you have borrow back and payment holiday features?

If you took out your current mortgage deal through Nationwide before 4 March 2010, it will have come with borrow back and payment holidays features. If you took out your current mortgage through Derbyshire, Cheshire or Dunfermline Building Societies, you'll need to check your offer to find out if you have these features.

Choose to switch you deal, and you’ll lose borrow back and payment holiday features. Think carefully about switching your deal if you rely on these features or think you may use them in the future.

Ready to apply?

How you do this depends on how you bank with us…

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.

Apply by phone

If you choose to switch by calling us, you’ll have two options:

With advice

A Mortgage Consultant will take you through everything you need to consider, offer advice on what’s best for you, and complete your mortgage application with you.

Without advice

A Mortgage Consultant will take you through the application process and help you complete the forms, but they won’t offer you advice. Only choose this option if you’re confident you’ve picked the right mortgage for you.

If you have to pay an Early Repayment Charge to leave your current mortgage deal, you’ll need to switch with advice.

Mon - Fri: 8am - 8pm, Sat: 9am - 5pm (closed Sundays and Bank Holidays)

Apply in branch

If you choose to switch by popping into one of our branches, you’ll have two options:

With advice

A Mortgage Consultant will take you through everything you need to consider, offer advice on what's best for you, and complete your mortgage application with you.

Without advice

A Mortgage Consultant will take you through the application process and help you complete the forms, but they won’t offer you advice. Only choose this option if you’re confident you’ve picked the right mortgage for you.

If you have to pay an Early Repayment Charge to leave your current mortgage deal, you’ll need to switch with advice.

You'll first need to make an appointment by giving us a call or popping into your nearest Nationwide branch.

What to expect after you've applied

You'll receive your mortgage offer


  • When you create a Key Facts Illustration online, you'll receive a copy in the post in roughly five working days.
  • If you’ve completed your switch online, in branch or over the phone this is also your offer and confirmation.
  • If you didn’t fully complete your switch at the time, the letter is just for your information and you’ll need to start your switch again.
Second stage of timeline

Your switch is complete!


  • Around 10 days after your product switch takes place, we’ll write to you with details of your new monthly payment. You will have chosen the date that your new rate starts as part of your application.
  • You can then decide how to manage your mortgage, and keep an eye on your repayments using our Internet bank.
Final stage of timeline

0800 30 20 10

Speak to one of our mortgage experts

Visit us in branch

Come and see us at your nearest branch (This link will open in a new window)

Ask us a question

Send us a message (This link will open in a new window) online