Nationwide Mortgages & Product Transfers
We have access to Nationwide's mortgage products available through our panel, including exclusive deals and product transfers for existing customers. We compare them against our comprehensive lender panel to assess which available option may suit your circumstances.
Getting a Mortgage with Nationwide
As the UK's biggest building society, Nationwide offers a competitive range of mortgage products, including their Helping Hand scheme for first-time buyers. If you're an existing customer, we can secure a Nationwide product transfer (rate switch) for you, often with no legal fees or valuation needed. But before you lock in, we'll check if another lender could save you more money.
- Review of Nationwide mortgage products available through our panel
- Hassle-free product transfers for existing Nationwide customers
- We compare Nationwide against 80+ other UK lenders
- Full management of your application from start to finish
- free initial mortgage advice
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Tell us about the property
Estimates are fine — we'll refine the numbers together.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Nationwide Product Transfers
If your current Nationwide mortgage deal is coming to an end, you might be offered a product transfer. This is a quick way to secure a new rate without a full remortgage. We can arrange this for you while also checking if switching to a new lender would be cheaper.
First-Time Buyers & Home Movers
Nationwide provides various options for those buying a property, including competitive LTV (Loan-to-Value) products and flexible lending criteria. We can help you navigate their requirements and prepare an application that reflects your circumstances.
Why Use a Broker for Nationwide?
Going direct means you only see one building society's products. By using us, you get access to Nationwide's deals plus our comprehensive panel of 80+ lenders. We handle the paperwork, chase the lender, and help you assess the costs and suitability of the available options.
Nationwide Building Society at a glance
Established 1846. Headquartered in Swindon. FCA firm reference number 106078.
Specialties
- Helping Hand — up to 6x income for first-time buyers
- The Mortgage Works (TMW) for BTL
- New-build lending
- Largest mutual by mortgage book
Lending criteria highlights
- Min income: £31,000 sole / £50,000 joint for Helping Hand
- Max LTV: 95% residential, 75% BTL (via TMW)
- Max age at term end: 75 (residential), 85 (later-life products)
- Self-employed: 2 years' accounts / SA302s
Where Nationwide Building Society shines
- Highest mainstream income multiples via Helping Hand
- Consistently strong customer satisfaction scores
- Mutual — Fairer Share member payments
Watch-outs
- Complex income (contractors, freelancers) tricky
- BTL routed through TMW subsidiary
- Source
- Nationwide Building Society lender or intermediary information, FCA Register records and adviser research
Nationwide Building Society does not publish an explicit position on every point covered here. Where that is the case, the guidance reflects our adviser experience and should be confirmed with the lender before application.
Sources & further reading
These links include lender or intermediary information, background reading and FCA Register records. A general lender page does not substantiate every criterion above. Check current criteria before applying. You can independently verify lender authorisation on the FCA Financial Services Register.
Nationwide Mortgages & Product Transfers — FAQs
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Your initial mortgage consultation is free with no obligation. If you decide to proceed with an application, a broker fee may apply depending on the complexity of your case — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). The exact amount is explained and agreed in writing before any chargeable work begins. Lenders may also pay us a procuration fee on completion.
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