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How to Apply

First time buyers - Apply for a Nationwide mortgage

At Nationwide, we’re here to help make the journey to getting your new home as smooth as possible. You can apply for a 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. Before you get a DIP, it's worth considering that a credit check is a part of this step, and numerous credit checks aren't good for your credit score. If you’d like to find out how much you could borrow first, you can use our Mortgage Affordability Calculator.

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.

Planned maintenance

We are carrying out planned maintenance to our mortgage application system between midnight and 10am on Sunday 22 October; and then again later that day between 12.30pm and 4.30pm. During these times, you will be unable to switch to a new mortgage product; apply for a new mortgage; or continue a saved application, over the phone, in any of our branches or online. Sorry for any problems this may cause.

In the meantime, if you haven't yet checked how much you could borrow then you might find our Affordability Calculator useful.

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.