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%
Representative APR Amount Term Type
4.24–6.54% £25k–£2M 60–480 mo mortgage
Best For

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

Pros & Cons

Pros
  1. ✓ Competitive member-only rates
  2. ✓ Green home rewards for energy-efficient properties
  3. ✓ Flexible overpayment options up to 10%
  4. ✓ Decision in Principle available in about 20 minutes
  5. ✓ Strong customer service reputation as a mutual
Cons
  1. ✗ Maximum borrowing lower than some big banks
  2. ✗ Fewer branch locations than the largest banks
  3. ✗ Interest-only criteria fairly strict
  4. ✗ Some deals require existing membership

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