Nationwide Mortgage Rates 2025

Compare Today’s Best Nationwide Deals

Nationwide’s latest mortgage rates have just been updated — whether you’re a first-time buyer, remortgaging, or moving home, this guide breaks down today’s top fixed and tracker deals, along with expert insights on how to secure approval faster.

📍 Updated December 2025 | Data verified monthly.

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Latest Nationwide Mortgage Rates – November 2025

Product	LTV	Initial Rate	Fee	Revert / SVR
2 year fixed (purchase)	60%	from 3.88%	£0	6.74%
5 year fixed (remortgage)	75%	from 3.92%	£1499	6.74%
Tracker (BoE + 0.19%)	60%	from 4.19%	£999	6.74%

Correct as of December 2025. Subject to change & eligibility.

This guide compares Nationwide mortgage rates for 2025, including fixed, tracker, and remortgage options. Updated monthly by an FCA-regulated adviser.

Illustration of a house with a mortgage sign representing Nationwide mortgage applicant criteria for first time buyers, remortgage customers, self-employed and adverse credit borrowers”

Expert Insights: How Nationwide Assesses Applicants

In our experience, Nationwide tends to favour borrowers with strong credit histories and stable income sources. However, they’re flexible in several key areas:

First time buyers

Accepted up to 95% LTV (with low deposit support and cash back incentives).

Remortgage customers

May qualify for free legal and valuation fees plus streamlined product transfers.

Self employed

Typically requires 2 years of trading history and consistent income evidence.

Adverse credit

Applicants with recent CCJs, defaults, or DMPs may face tighter underwriting; we’ll assess alternatives instantly if Nationwide declines.

Tip: If you’ve got a smaller deposit or need help understanding your options, check out our First-Time Buyer Guide for step by step help.

Estimate Your Monthly Mortgage Repayments

Use our calculator to estimate payments with the latest Nationwide mortgage rates, updated today.

Nationwide First Time Buyer Mortgage Rates

Nationwide offers one of the UK’s broadest ranges of first time buyer deals, including low deposit 95% LTV products, cash back offers, and fee free remortgage options.

At Verifi Mortgages, we simplify the process, from eligibility checks to lender comparisons, ensuring you secure the most suitable rate available.

“In 2025, we’ve seen Nationwide tighten affordability on flats under 35m², so always check property type early.”

Nationwide First Time Buyer Benefits:

Cash back at Completion
Fee Free Legal Support
Gifted Deposit Accepted
Flexible LTV Options up to 95%

If you’ve got a smaller deposit or need help understanding your options, check out our First Time Buyer Guide for step by step help.

Illustration of a mortgage advisor with headset and clipboard beside a Nationwide mortgage rates lead form

Nationwide Remortgage Rates – Lower Your Monthly Payments

If your current deal is ending or you’re on a high SVR, Nationwide’s remortgage offers could cut your monthly repayments significantly. Choose between 2-year or 5-year fixes or explore tracker options linked to the Bank of England base rate.

Remortgage Highlights:

Switch Without Full Underwriting
Free Legal Work
Free Valuation
Flexible tracker rates available

Not sure if it’s the right time to remortgage? Speak with our team and we’ll compare Nationwide vs top alternatives like Barclays, Halifax, and Santander.

Illustration of a person cutting a rising rate symbol to represent lowering monthly payments through Nationwide remortgage deals.

Can You Get a Nationwide Mortgage with Bad Credit?

Nationwide’s criteria typically favour good or near-prime credit profiles. If you’ve had CCJs, defaults, missed payments, or a DMP, approval may be more challenging but not impossible.

At Verifi Mortgages, we’ll:

Run an initial assessment with Nationwide
If declined, match you with specialist bad credit lenders instantly (no credit score impact)
Guide you through deposit options, risk conditions, and next steps

Learn more in our full guide: Mortgages with Bad Credit.

Illustration of a house with a debt bomb overhead, symbolising the challenges of getting a Nationwide mortgage with bad credit such as CCJs, defaults, or missed payments.

Is Nationwide Always the Best Mortgage Option?

While Nationwide is one of the UK’s most trusted lenders, they won’t suit every borrower. The best rate depends on your:

Compare My Best Rates

Income Type (PAYE, Self-Employed, Contractor)

Deposit Size (larger deposits = better rates)

Credit History (prime, near-prime, adverse)

Term & Flexibility (short fixes, portability, overpayments)

We’ll help you find the best deal tailored to your profile — not just the headline rate.

Nationwide Mortgage FAQs

Yes. Nationwide supports 95% LTV for first-time buyers with good credit, subject to affordability and property type.

It’s possible, but criteria are strict. If declined, we’ll recommend specialist lenders with flexible credit scoring.

Typically 7–14 working days once full documents are submitted.

Yes — product transfers are available without full underwriting if your circumstances haven’t changed.

Written by

Jason Foord, CeMAP – Mortgage Advisor

10+ years of experience helping UK borrowers secure better rates, specialising in Nationwide, Barclays, and bad credit lending.

Important Disclaimer

Verifi Mortgages is an independent mortgage broker and is not affiliated with or endorsed by Nationwide Building Society.
This content is for informational purposes only. All Nationwide trademarks are property of their respective owner. Rates and criteria are subject to change – view Nationwide’s full lending criteria.

Verifi Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FCA No. 997175).