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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
4th out of 16 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 eighth 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 in general

4 out of 5

Value for money 

5 out of 5

Keeping you well informed 

4 out of 5

Clarity of mortgage statements

5 out of 5

Transparency of charges

4 out of 5

Query and complaint handling

4 out of 5

Ability to overpay or underpay mortgage

4 out of 5

Online access

4 out of 5


Star ratings based on a July 2021 Which? survey of 3504 members of the general public in which 410 people told us that they had their mortgage with Nationwide Building Society.

What kinds of mortgages does Nationwide offer?

When we checked in September 2021, there were 370 mortgages available from Nationwide. The majority 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 and August 2021. They compiled a total of 206 ‘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 24, but Nationwide featured a total of 28 times - meaning it regularly offered competitive rates. (Data source: Moneyfacts.)

Interest rates on Nationwide mortgages

In September 2021, the average rate on a two-year fixed-rate mortgage from Nationwide was 1.81%, compared to the overall market average of 2.38%.

How much could I borrow from Nationwide?

Nationwide will lend to first-time buyers, home movers and people remortgaging at 60%, 75%, 80%, 85%, 90% and 95% loan-to-value

Nationwide caps borrowing at between 4.75 and five-and-a-half times your annual income, depending on the deal you're applying for. 

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 10.

For new customers it's 0800 30 20 11.

Its website is nationwide.co.uk.