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Making the right decision

Remember that choosing a rate is more than just what your monthly payment will be. Keep in mind any features that are important to you, and whether any charges will apply if you want to switch to a new mortgage.

Making sure you get your initial rate

You can only secure your rate once you’ve submitted your mortgage application and paid any fees. Mortgage rates can be changed or withdrawn at any time.

Loan to value (LTV)

If you're remortgaging for the same amount as your current mortgage, or paying off a Help to Buy equity loan, you can borrow up to 90% of your home’s value.

Minimum borrowing amount

Depending on who you are, we have minimum borrowing amounts that will apply. If you’re an existing Nationwide mortgage member then it’s £5,000, unless you’re switching your deal, then you need to have £1,000 left on your balance. If you’re new to Nationwide, then the minimum borrowing amount is £25,000.

Minimum interest rate for tracker mortgages

Your tracker mortgage will never go below a certain rate – even if the Bank of England base rate does. For what you'll pay each month on a tracker mortgage if the Bank of England base rate is reduced, see our tracker floor information

Interest only or part and part mortgages

You can only change your repayment method if you’re on interest only or part and part. If you’re on capital repayment you can’t do this. Nationwide no longer offers new interest only or part and part mortgages.