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Nationwide mortgage review

Our Nationwide mortgage review combines customer feedback with expert deal analysis to reveal whether the lender is worth considering next time you apply for a mortgage.

In this article
Nationwide mortgage customer ratings What kinds of mortgages does Nationwide offer? Does Nationwide offer the best mortgage deals? Interest rates on Nationwide mortgages
How much could I borrow from Nationwide? Can I make overpayments? How can I contact Nationwide?

Nationwide mortgage customer ratings

Nationwide review
Which? Customer Score
Joint 2nd out of 23 mortgage lenders
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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We've recently named Nationwide a Which? Recommended Mortgage Provider for the seventh year in a row as we think it's one of the best lenders in the country.

The table below shows how Nationwide performed in our latest mortgage satisfaction survey, in which we gathered feedback from real Nationwide customers on everything to do with their mortgage, from application process to value for money.

Customer rating for: Star rating
Customer service

5 out of 5

Application process

4 out of 5

Value for money

4 out of 5

Keeping you well informed

5 out of 5

Clarity of statements

5 out of 5

Transparency of charges

5 out of 5

Query and complaint handling

4 out of 5

Ability to overpay or underpay mortgage

5 out of 5

Online access

5 out of 5


What kinds of mortgages does Nationwide offer?

Many mortgage lenders have significantly cut their offerings this year due to the coronavirus outbreak.

When we checked in September 2020, there were 177 mortgages available from Nationwide. All were fixed-rate deals - meaning your interest rate will stay the same for a set initial period.

Nationwide's mortgages came with a initial period of either two, three, five or 10 years. 


Does Nationwide offer the best mortgage deals?

Our experts analysed hundreds of mortgages over a four-week period in July 2020. They compiled a total of 208 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average number of times a lender made it into a table was 16, but Nationwide beat this, featuring a total of 26 times - meaning it regularly offered competitive rates. (Data source: Moneyfacts.)

Interest rates on Nationwide mortgages

In September 2020, the average rate on a two-year fixed-rate mortgage from Nationwide was 2.36%, compared to the overall market average of 2.33%.

How much could I borrow from Nationwide?

Nationwide will lend to first-time buyers at 60%, 75%, 80%, 85% and 90% loan-to-value. Home movers and people remortgaging can borrow up to 95%.

Nationwide will let you borrow 4.75 times your annual income if you're applying at 85% loan-to-value or below, or 4.5 times your income if you're applying for a 90% or 95% mortgage.

Can I make overpayments?

Nationwide allows you to overpay up to 10% of the mortgage balance each year. 

How can I contact Nationwide?

Mortgages from Nationwide are available directly and through mortgage brokers

Existing mortgage customers can call 0800 30 20 11.

For new customers it's 0800 30 20 10.

The website is nationwide.co.uk.