Getting started
Understanding mortgages
How much can I borrow?
Getting a DIP
Making an offer
Applying for a mortgage
Completion and moving in

What's in this section?

Receiving your mortgage offer

What happens once you've received your mortgage offer.

Moving home checklist

A useful checklist to help you remember all those little details.

Managing your mortgage online

How to use Nationwide internet banking to easily manage your mortgage.

Further mortgage support

For further mortgage information, visit our support section.

Receiving your mortgage offer 

Once you've received your mortgage offer in the post, there are only a few more stages left before the mortgage term begins and the house is yours. Remember, you'll need to arrange for buildings insurance on your new home before you can exchange contracts. Find out more about buildings insurance in the Finding a property and making and offer section.

Exchanging contracts

When the legal work is finished and contracts are signed, your conveyancer/solicitor will exchange them with the seller’s solicitor, pay your deposit and agree the completion date. We’ll then send you a text message as soon as we receive a date for the mortgage funds to be sent. This may be a few days before you complete the purchase, to make sure the money is ready.

We'll only contact you by text if you have given us permission to do so.

Completion day

On completion day, your seller receives the money, and you'll get the keys to your new home.

Making your first payment

Within 7 working days from when you complete on your mortgage, we’ll write to let you know how much your first mortgage payment is, and when we need it by. This will usually be more than your regular monthly payment, as it includes interest for the days between the date you moved in and the end of that month – plus your standard monthly payment for the following month.

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Moving home checklist

Moving house can be a stressful time, but a bit of organisation and planning ahead can make the whole process much smoother. Make your life a bit easier with our guide to getting through the final eight weeks before your move.

Eight weeks before

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  • Get quotes from a number of removal firms. Remember to check their insurance as they'll be liable for your belongings while they are in transit.
  • Start collecting the things you'll need for packing i.e. boxes, bags and newspapers.
  • Start decluttering - you don't want to move anything unnecessary into your new home, so work out what won't be moving with you and either donate it to charity or scrap.

Six weeks before

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  • Inform your utility and broadband companies you'll be moving to a new address.
  • Contact your home insurance provider and let them know what cover you'll require for your new home and when you'll need it to start.
  • Order any new furniture you'll need and arrange delivery for after you've moved in.

Four weeks before

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  • If you haven't already done so, book the removal company.
  • Make a list of everyone who needs your new address and send it to them.
  • Start packing any non-essential items you won't need between now and moving day.

Two weeks before

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  • Make a plan for the removal workers, using stickers to mark where you would like key pieces of furniture to go.
  • Arrange with the Post Office for your mail to be forwarded to your new address for a set period.
  • Notify your bank of any changes to your standing orders.

The night before

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  • Make sure you have a separate bag packed with everything you'll need on your first night, i.e. toiletries and a change of clothes.
  • Take a final meter reading to pass on to the new owners and your gas, water and electricity supplier.
  • Pop your kettle, some tea, coffee and milk in a box that's travelling with you, so you can have a cuppa as soon as you get to your new home.

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Managing your mortgage online

If you're registered for our internet banking service you can manage your mortgage online.  Alternatively, you can find your mortgage details on your yearly statement, by calling 0800 30 20 11 or by visiting us in branch.

What can I do with my mortgage online?

Once you’ve logged onto the Internet Bank you’ll be able to:

  • Manage your monthly payments.
  • Make overpayments if you bank with Nationwide (these will show combined with your monthly payments).
  • Make advance payments.
  • Check interest added.
  • View statements.
  • See your interest rate history.
  • Check your redemption date.

How do I make overpayments online?

You can make overpayments of up to £100,000 via the Internet Bank, or a BACS/CHAPS payment. But make sure you check your agreed overpayment limit first, as Early Repayment Charges may be applicable.

How do I make a payment through the Internet Bank?

You can use internet banking to pay off your mortgage with a single mortgage payment. The limit is £100,000, but multiple transfers can be made so long as cleared funds are available. But make sure you check your agreed overpayment limit first, as Early Repayment Charges may be applicable.

Can I make a CHAPS or BACS payment?

To make a CHAPS/BACS payment to your mortgage, you’ll need the following details:

  • Sort code: 07-00-94
  • Account number: 44444445
  • Reference number: Your mortgage account number

How do I change my overpayment preference online?

Just go to the ‘My Mortgage’ section on the Internet Bank and select the ‘Overpayment preference’ option.  It will automatically be set to recalculate your payments when you overpay by £500 or more, to lower your monthly repayments and keep your term the same. This can be changed at any time to reduce your term and keep your payments the same instead.

What if I want to register to bank online?

It only takes 3 easy steps and a few minutes to register for Internet Banking. But, for security, we'll need to send you some details in the post so you won't be able to use it straight away.

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Further mortgage support

For further information and support, please visit our mortgage support section.

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We hope you’ve found this guide useful. If you’d like to speak with one of our mortgage experts, call us on 0800 30 20 10 (Monday to Friday 8am - 8pm and Saturday 9am - 5pm), or visit us in branch.  We’re closed Sundays and bank holidays.

Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage.