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If you're a first time buyer and looking for a standard repayment mortgage
Try our new trial calculator
Get a good idea of how much we could lend you in just a few minutes. We just need to know:
Short on time at the moment? Get a rough estimation instead with our Quick Quote calculator.
At the moment, we're not able to include any bonuses, commission or overtime in annual income calculations for mortgage applications. So, please leave these fields blank. This will allow us to accurately work out how much we can lend you at this time.
Fields marked with * are required
Choose "Remortgage" if you want to swap the mortgage on your home from another provider to us.
Choose "Borrow more" if you want to increase the amount of your current Nationwide mortgage.
If you have an interest-only mortgage, you need to state the balance for that mortgage. You'll find these details on your mortgage statement.
We'll tell you at the end of the calculation how much we'd be prepared to lend you, but we need to know how much you're looking for. This is so we can tell you the minimum term on the amount you give us.
We'll tell you at the end of the calculation what the shortest term we'd be willing to offer you is, but we need to know how long you'd like the term to be. This is so we can work out the maximum we could lend you.
Shared Ownership: you own a 'share' in a house with someone else, usually Housing Association, and you pay them rent on their share. Shared Equity: you have both a mortgage and an equity loan supplied by the Homes and Communities Agency to buy a house. Right to Buy: You're offered the opportunity to buy a council house at a reduced price.
Your date of birth?*
Tell us about any children or dependent adults that live with you. If you share children with another applicant, just include them once, here.
If you select "Yes" only retirement income will be used to calculate how much we could lend you. If you wish to use other forms of employment income and select "No" you will not be eligible for our Borrowing in Retirement Scheme.
If the mortgage term takes you beyond your 75th birthday your application will be viewed within the terms and conditions of our Borrowing in Retirement scheme.
We need to know when you're planning to retire. If the mortgage carries on once you've retired, we'll need to talk to you in more detail about your mortgage.
Tell us about any children or dependent adults that live with you. If you share children with the main applicant, please add them to the main applicant's details.
Please tell us here about any job, including part time jobs if you're a homemaker, student or retired.
We need to know what you get paid in a year before any tax and other payments get taken out.
We'll ask about rental income for places you have a mortgage on later in the form.
If you share children with a joint applicant, only one of you will get child benefit. If the main applicant gets the benefit, please add it to the main applicant's income section.
Only include the amount that you'll still owe once your new mortgage starts. If you don't know when your mortgage will start, please estimate a date based on where you are right now in the process. It could take several months to arrange if you are buying a new home.
Costs include child minder, day nursery, nanny, au pair, playgroup, pre-school, after-school care, babysitting.
A monthly figure should be entered in this field. Fees paid per term or annually need to be calculated as a monthly figure.
This should cover your essential travel costs, for example: season ticket loan costs, regular rail / bus costs, and regular car running costs e.g. fuel, tax, insurance.
Tell us about any payments you make as financial support for another person.
Include here any other regular outgoings, other than food shopping, utility bills and any other day to day living costs, that you haven't already provided and that you wouldn’t want to give up, in order to pay your mortgage payments.
If you're remortgaging or borrowing more, you shouldn't include the existing mortgage that you're thinking of changing or adding to here. This section is just for any other mortgages you may have.
Only tell us about joint mortgages you hold with applicant 2 here. If you have any joint mortgages with different people, add them as "other mortgages".
The maximum amount that Nationwide may be prepared to lend you over the requested term of X years and Y months is:
The minimum term on your requested loan amount of £250,000 is 3 years and 9 months.
This is subject to a satisfactory credit score, confirmation of your income and confirmation of the value and suitability of the property. Please be aware that restrictions apply to the amount we can lend based on the type of your application. You will need to check our lending criteria to make sure you are eligible for the amount you wish to borrow. If any details change, the amount we would be prepared to lend you may change.
Based on the information you gave us, the amount that Nationwide may be prepared to lend you over the requested term is:
About your resultA result of £0 can indicate that we might not be prepared to lend to you based on your financial details. It can also be due to missing or incorrect information in the calculator. To confirm your result or get advice from one of our Mortgage Advisors, please call us on 0800 30 20 10 or visit us in your nearest branch.
Your result is subject to a satisfactory credit score, confirmation of your financial standing, and confirmation of the value and suitability of the property you would like to purchase. Please be aware that restrictions apply to the amount we can lend based on your application type. If any of your details should change, the amount we would be prepared to lend you may change as well.
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This is the value or purchase price of the property.
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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.
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