First time buyers - Apply for a Nationwide mortgage

Getting a Decision in Principle (DIP)

Before applying, you’ll need a DIP. Also known as an Agreement in Principle (AIP) or a Lending Certificate, this confirms what we'd be prepared to lend to you. When you get a DIP, we only do a soft credit check, which won’t affect your credit score.

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

Check your application and download your documents

Stamp duty and your application

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).

Ways to apply

We've made getting your DIP part of the applying process, so it's just one application from the start of your home buying journey to the end. Find out how much you can borrow, pause your application and when you're ready to apply for a full mortgage, just restart where you left off.

Don't worry, you're not committed to anything at the DIP stage.

  • Online


    If you're comfortable choosing a mortgage without our advice, you can apply online at your own pace. You need to understand that you're responsible for the mortgage you choose. You'll get no advice from us, so you won't be protected if you later decide the mortgage you chose wasn't suitable.

    Get a DIP below
  • Over the phone


    Apply with advice. Call to book an appointment with a Mortgage Consultant. Mon - Fri: 8am - 6pm, Sat: 8:30am - 4pm (closed Sundays and Bank Holidays).

    Call 0800 121 69 49
  • In branch


    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.

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.

More about our latest House Price Index reports

Please note, it's not possible to apply online for a mortgage if:

  • you're applying to borrow more than 90% of the value of the property
  • you’re applying for a mortgage with the Help to Buy, shared ownership, Right to Buy or Forces Help to Buy affordable housing schemes
  • you're applying for a Save to Buy or Help to Buy mortgage
  • your mortgage term will take you into, or beyond normal retirement age.

For these applications, please call us on 0800 30 20 10, Monday to Friday 8am - 6pm, Saturday 8:30am - 4pm.

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

  • we'll be able to offer you mortgages up to a length of 25 years.
  • 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.

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.