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How to Apply

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.

Mortgage offers and valuations

We've made some changes to how we carry out mortgage valuations. And if your application has been impacted by coronavirus, you can apply for a mortgage offer extension.

Find out more about our changes to mortgage valuations and offers

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 85% 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.

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.