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Start your home move application with Nationwide

Just so you know, as you go through the mortgage application you’ll get a Decision in Principle (DIP) first.
This can be used to let estate agents know you have secured borrowing in principle when making offers on properties.

Stamp duty and your application

The current stamp duty holiday means you won’t pay the tax on a property purchase, up to a certain amount.

Until 30 June 2021, you won’t pay stamp duty on the first £500,000 of a property purchase. Then, until 30 September 2021, it reduces to the first £250,000.

To benefit from the holiday, your mortgage must complete by these dates.

If you’re buying in Scotland or Wales, different rules apply.

To find out more, visit the GOV.UK guide to Stamp Duty (opens in a new window).

Ways to apply

  • Online

    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.

    Apply below

  • Over the phone

    Phone

    Apply with advice. If you're applying over the phone or in branch, you could save time by getting a DIP online first. Call to book an appointment with a Mortgage Consultant. Mon – Fri 8am – 6pm, Sat 8:30am – 4pm (closed Sundays and Bank Holidays)

    Call 0800 171 23 68

  • In branch

    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
  • 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%:

  • 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.

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.

Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.