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Switch to a new Nationwide mortgage deal

Existing mortgage members can switch to a new deal with rates as good as, or better than, those available to new customers remortgaging to us.

Find out how and when you can switch here.

When can you switch to a new deal?

When you can switch depends on what type of mortgage you are on and how long you have left before your current deal ends. If you are on a fixed rate and have less than 4 months left, you can apply to switch to a new deal now.

If you use our banking app or Internet Bank, you can check if you are eligible to switch now with Mortgage Manager.

If you are not sure where to start, our guide to switching your mortgage deal could help. It has information on what you need to consider before you switch and what types of mortgage deals there are.

Guide to switching your mortgage deal

Don’t miss your mortgage switch and cancellation deadline

Find out when your current deal ends, your switch deadline, and your cancellation deadline — all in Mortgage Manager. You can access Mortgage Manager via our internet bank or banking app.

Planned maintenance:

We’re currently carrying out essential maintenance to our mortgage services. During this time, you’ll be unable to get a Decision in Principle, switch to a new mortgage deal; apply for a new mortgage; manage your mortgage; or continue a saved application.

We anticipate our online services will resume by 3am Sunday 23 November.

  1. Ready to switch now? Get your personalised rates in Mortgage Manager

    If you are eligible to switch now, you can view your personalised rates in Mortgage Manager. These rates are based on your current mortgage balance.

    The rates we offer are as good as, or better than, those available to new customers remortgaging to us.

  1. Want to switch early? You can still look for mortgage rates

    If you have more than 4 months left and want to switch early, you may be subject to an Early Repayment Charge.

    You won’t be able to see personalised rates in Mortgage Manager, but you can still browse our latest rates using our rates calculator.

Important:

Mortgages are secured on your home. You could lose your home if you do not keep up payments on your mortgage.
Mortgages are subject to underwriting and criteria. Minimum age 18, UK residents only.

When you can switch mortgage online

You can apply to switch to a new deal using Mortgage Manager online if you are:

  • comfortable choosing a new rate without any advice

  • on a fixed rate mortgage deal with less than 4 months left

  • on a tracker mortgage deal

  • on the Standard Mortgage Rate (SMR) or the Base Mortgage Rate (BMR).

When you cannot switch mortgage online

You cannot switch online in Mortgage Manager if you are:

  • On a fixed rate deal with more than 4 months left

    An Early Repayment Charge (ERC) will apply, and we need to take the payment over the phone or by video call. You can check what your current ERC is by logging in to Mortgage Manager via our banking app and selecting manage your mortgage.

    One of our mortgage advisers can talk through your needs to make sure switching early is right for you and recommend the right deal.

  • On one of our mortgage deals for over 55s

    If you are on a Retirement Interest Only mortgage or a Retirement Capital and Interest mortgage, we can only complete your application by phone or video call. You need to be in the last 3 months of your deal to switch. There’s no Early Repayment Charge.

    When you apply, one of our mortgage advisers can talk through your options and recommend the right deal for you.

How to switch to a new mortgage deal online

Planned maintenance

We’re currently carrying out essential maintenance to our mortgage services. During this time, you’ll be unable to get a Decision in Principle, switch to a new mortgage deal; apply for a new mortgage; manage your mortgage; or continue a saved application.

We anticipate our online services will resume by 3am Sunday 23 November.

In the meantime:

Worried about making your monthly mortgage payments?

If you’re struggling to make your monthly mortgage payments, our Home Support Hub tells you what options are available to help you reduce your payments.

Get help at Home Support Hub

If you need advice or can’t switch online

If you can't switch online, or you would like to talk through your options, get in touch with us for free advice.

Our mortgage rates are the same whether you call us or apply online. We can only offer advice on Nationwide products.

Get advice and apply by phone or video

Call us to book a free phone or video appointment with one of our mortgage advisers.

Monday to Friday, 8am to 6pm.
Saturday 8:30am to 4pm.
Closed Sundays and bank holidays.

0345 609 25 30

More help with switching

Our guide pages have more information to help you understand what’s involved when you switch.

Guide to switching
Standard and Base Mortgage Rates
Early Repayment Charges (ERCs)
Bank of England base rate changes
Using Mortgage Manager
Mortgage fees and charges

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