Mortgage lender reviews: Nationwide mortgage review


Customer score

1st out of 25 mortgage lenders


Nationwide mortgage review

One of the UK's largest mortgage lenders, Nationwide Building Society has retained its Which? Recommended Provider status for the third time running and tops our mortgage lender comparison table for the first time. Customers see it as a provider that offers value for money, great service and flexibility. 

Nationwide mortgage highlights

  • Competitive for tracker and fixed deals
  • 95% loan-to-value mortgage deals available
  • Rated well for making overpayments and underpayments

For impartial, personal advice on the best mortgage for you, call Which? Mortgage Advisers on 0808 252 7987.

Nationwide mortgage satisfaction scorecard
Customer service 
Application process 
Value for money 
Keeping you well informed 
Clarity of statements 
Transparency of charges 
Query and complaint handling 
Ability to over and underpay mortgage 

Table notes:

  • Star ratings out of five show levels of satisfaction for each category. Where no stars are showing, it means we could not get a large enough sample size to rate this aspect of the service.

What Nationwide's mortgage customers say about it

'A good fixed rate, online access, clear charges and easy overpayments.'

'When we first moved into our old house Nationwide made a lot of errors but it has been better recently.'

'They look after you throughout the whole process.'

'They put customers' needs first although I find their security procedures a bit over the top.'

'Everything just cruises along. No problems.'

'I would like to be advised of interest rate deals for existing customers.'

'Very easy to contact with queries and complaints. They take full responsibility for any complaints and go to great lengths to fix problems.'

'Lack of flexibility. I'm on a fixed-rate three-year deal but there are better deals which I cannot switch to unless I pay an early repayment charge.'

'The rate was good. I like the ethics of the company. I have never had a problem and if I have they have dealt with my queries quickly.'

'Not quite perfect but good.'

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Your home may be repossessed if you do not keep up repayments on your mortgage.

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.