Start your switching application

You can choose a new deal if:

  • Your current deal is ending - you’re 5 months or less from the end of your Nationwide deal. OR
  • You’re on our Base Mortgage Rate (BMR) or Standard Mortgage Rate (SMR), OR
  • You’re on a tracker mortgage
  • You're mid-deal on a fixed rate mortgage - but not online, you'll need to give us a call or go into branch as there'll be an Early Repayment Charge (ERC) to pay.

You can choose to apply with or without advice

When you apply to switch with advice one of our Mortgage Consultants can help you choose a suitable product. You can choose to apply without advice, but you’ll be responsible for your deal choice and any impact it may have.

Ways to apply

  • Apply online


    Apply without advice. You'll need your mortgage account number, which can be found in the Internet Bank, the Banking app or on any mortgage paperwork from us.

    Apply online below
  • Apply over the phone


    Apply with or without advice. Call to book an appointment with a Mortgage Consultant. Mon - Fri: 8am - 8pm, Sat: 9am - 5pm (closed Sundays and Bank Holidays)

    Call 0800 171 23 71
  • Apply in branch


    While we need to keep each other safe by staying at home, we cannot accept applications in branch. For now, please call us to apply if you need advice. Or, if you're happy to apply without advice, you can apply online.

Please bear with us at the moment

We may take longer to answer your calls, or to process your application. Some of our employees are self-isolating, and there is a lot to do, but we'll continue to work as fast as we can. As always, supporting our members is our top priority.

Things to consider before switching online:

  • You can apply to switch online if you're 5 months or less from the end of your current fixed rate deal, but your new deal won't take effect until you are within 3 months of your deal ending.
  • If you want to change your current repayment method this application is not right for you, but the link will take you to the right place.
  • If you want to switch and borrow more on the same day, you could end up paying more online. Speak to us in branch or on 0800 30 20 10 to see if there’s anything we can do to save you money on your deal.
  • If you have a full capital repayment mortgage you may now be able to make changes to your mortgage term when using this online application, but only if you have one mortgage account.

Also, if you’re experiencing financial difficulties we’re here to offer help and support. Please contact our team on 0800 464 30 40 (UK) Mon - Fri: 8am – 8pm Sat: 9am – 5pm (closed Sunday and Bank Holidays).

If you have one of our Later Life mortgages, you won’t be able to switch online.

Please give us a call on 0800 30 20 10, we’ll then be able to arrange an appointment for you with one of our Later Life Mortgage Consultants.

Got your mortgage account number?

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.