Nationwide mortgage review and rates

Nationwide is the largest building society and the second-largest mortgage provider in the UK. It has a wide range of mortgage products for first-time buyers, home movers and those remortgaging.

Here, you can find out what Nationwide mortgage customers thought about its service, what our expert analysis uncovered about its range of deals, and the best Nationwide mortgage rates on the market right now.

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.

Is Nationwide a good mortgage lender?

To see how Nationwide compares with other mortgage providers, head to our guide on the best mortgage lenders.

Does Nationwide offer the best mortgage deals?

Anna McClean, market analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered, on average, the cheapest mortgage deals during our analysis period. Nationwide was one of the cheapest lenders overall and had competitive deals for home movers and remortgagers.'

Here's how Nationwide did in our analysis:

• Overall ranking: joint 5th out of 69 lenders 
• First-time buyer ranking: joint 7th out of 65 lenders
• Home mover ranking: joint 4th out of 50 lenders
• Remortgage ranking: joint 4th out of 68 lenders.

Find out more: check which lenders came ahead of Nationwide in our cheapest lender interest rate analysis 

Nationwide mortgage rates for first-time buyers

You can find the two-year fixed-rate mortgages Nationwide is currently offering first-time buyers with an 80%, 90% or 95% LTV using the table.

To see how Nationwide compares with rivals, visit our guide to the best mortgage rates, which is updated every day. 

Nationwide mortgage rates for home movers

You can find the two-year fixed-rate mortgages Nationwide is currently offering to home movers with a 60%, 75%, or 85% LTV using the table.

To see how Nationwide compares with rivals, visit our guide to the best mortgage rates, which is updated every day. 

Nationwide mortgage rates for remortgaging 

You can find the two-year fixed-rate mortgages Nationwide is currently offering to remortgagers with a 60%, 75%, or 85% LTV using the table.

To see how Nationwide compares with rivals, visit our guide to the best mortgage rates, which is updated every day. 

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How do customers rate Nationwide's mortgage service?

We asked Nationwide mortgage customers about their experiences with the lender. 

Here's how they rated it on various aspects of service:

What do customers think about Nationwide? 

Alongside our customer scores and star ratings, we also collected comments from Nationwide mortgage customers.

Unsurprisingly, most feedback was positive. Customers praised Nationwide's customer service, with one respondent telling us that 'staff are always willing to go the extra mile'.

Flexibility was another common theme, particularly the ability to make overpayments. Some customers told us they had used this feature to substantially reduce their mortgage balance.

The app and website also received positive feedback, particularly for checking balances, accessing statements and monitoring overpayments. However, Nationwide's branch network remains important to some customers. Several valued having face-to-face access, while others were disappointed by the lack of a nearby branch or mortgage adviser.

Some customers also praised the Fairer Share Payment, a scheme that paid qualifying customers £100 in 2026.

Nationwide mortgage lender FAQs

What types of mortgage does Nationwide offer?

When we checked in September 2026, there were 406 mortgages available from Nationwide. Most were fixed-rate deals, meaning your interest rate stays the same for a set initial period.

Nationwide mortgages had initial periods of two, three, five or 10 years.

A smaller number of mortgages offered by Nationwide were tracker deals, with initial terms lasting two years before reverting to Nationwide's standard variable rate.

How much could I borrow from Nationwide?

Nationwide doesn't publish its borrowing caps for standard mortgages, but you can use its affordability calculator to check the size of a mortgage you qualify for.

For its Helping Hand mortgage, designed to help first-time buyers, you can borrow up to six times your income.

Does Nationwide offer green mortgages?

Nationwide doesn't offer preferential rates for mortgages on homes with excellent energy ratings.

Instead, it rewards buyers for purchasing green homes. If the property has an EPC score between 86 and 91, you will get £250 cashback. If the score is 92 or higher, you'll receive £500 cashback. 

In addition, if you're an existing mortgage customer, you can apply for a 0% interest Green Additional Borrowing mortgage. The scheme enables you to borrow between £5,000 and £20,000 to fund improvements such as installing solar panels, adding cavity wall insulation or installing double-glazing. Be aware that the 0% interest applies only to the length of your fixed-term mortgage. 

• Find out more: Best green mortgages

How long can the mortgage term be?

All of Nationwide's mortgages allow a maximum term length of 40 years.

• Find out more: use our mortgage calculator toolkit to compare mortgage deals, work out how much you can borrow and more