Nationwide Building Society Mortgage

Nationwide provides mortgages from £25,000 to £2 million with fixed and tracker options, terms up to 40 years, and LTV up to 95%. Members benefit from competitive rates and green home rewards for energy-efficient properties.

Last checked on September 4, 2026. We may earn a commission when you click through.

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✓ Competitive member-only rates ✓ Green home rewards for energy-efficient properties ✓ Flexible overpayment options up to 10%
Mortgage Nationwide Building Society Reviewed

Nationwide Building Society Mortgage

Updated 1 month ago

APR Range

4.24–6.54%

Amount

£25k–£2M

Term

60–480 months

Type

mortgage

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Our Verdict

As the UK's largest building society, Nationwide combines competitive rates with a genuine mutual ethos. Their green mortgage incentives reward energy-efficient homes, and membership benefits add real value over pure bank offerings.

Best For

Borrowers who value a mutual lender, especially those buying energy-efficient homes or who prefer a building society over a bank.

Pros

  • Competitive member-only rates
  • Green home rewards for energy-efficient properties
  • Flexible overpayment options up to 10%
  • Decision in Principle available in about 20 minutes
  • Strong customer service reputation as a mutual

Cons

  • Maximum borrowing lower than some big banks
  • Fewer branch locations than the largest banks
  • Interest-only criteria fairly strict
  • Some deals require existing membership

About This Loan

Nationwide provides mortgages from £25,000 to £2 million with fixed and tracker options, terms up to 40 years, and LTV up to 95%. Members benefit from competitive rates and green home rewards for energy-efficient properties.

Requirements

  • 18+
  • UK resident
  • Proof of income
  • Minimum deposit 5%
  • Decision in Principle
  • Credit check

Check if you qualify

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