What we can offer

Switch your Nationwide mortgage deal

Switching is when you move your existing mortgage with us to another deal. When you switch with us, we'll give you £100 cashback.

Switching your deal

Get a new mortgage deal

If you're currently on our Base Mortgage Rate (BMR) or Standard Mortgage Rate (SMR) we have a range of switching deals for you.

Is your existing mortgage deal ending soon?

You could switch to a new rate if you're within 3 months of the end of your fixed or tracker deal.

Switch from a tracker to fixed rate

If you reserved a tracker mortgage with us (on or after 10/01/2006) you could switch to one of our fixed rate deals.

Ready to switch? Explore our rates or learn more about applying.

Important information

Switching from our Base Mortgage Rate

 If you're currently on our Base Mortgage Rate (BMR), this will revert to our Standard Mortgage Rate (SMR) at the end of your deal period. The SMR has different features to the BMR.

Read full details of BMR/SMR

Payment holidays and borrow back

All Nationwide mortgages reserved on or before 3 March 2010, and some existing Cheshire and Derbyshire mortgages, include the option to apply for a payment holiday and borrow back facility. Any new mortgages reserved will no longer include these facilities.

Letting out your property?

If you're currently letting your property, it's not possible to switch to a new mortgage deal. When your deal period is finished, your mortgage will automatically revert to the Nationwide variable rate as stated in your mortgage offer.

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Rate Change Calculator

If the Bank of England base rate changes, how might your monthly payments change? Find out with our interest rate change mortgage calculator.

Try the calculator

Guide to switching your mortgage

Find out about reasons to switch, the difference in tracker and fixed mortgage rates and more.

Read the guide

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.

Our mortgage rates

Special offers

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Help and guides

How to Apply