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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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Nationwide is the largest building society and the second-largest mortgage provider in the UK. It has a wide range of mortgage products for first-time buyers, home movers and those remortgaging.
Here, you can find out what Nationwide mortgage customers thought about its service, what our expert analysis uncovered about its range of deals, and the best Nationwide mortgage rates on the market right now.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our Nationwide mortgage review
Real Nationwide customer views
We've asked 642 Nationwide mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed Nationwide's mortgage rates to work out if it's a lender that offers competitive deals.
Nationwide scored an impressive 80% in our latest customer satisfaction survey, making it joint 1st along with Principality and Skipton Building Society.
It's a Which? Recommended Provider for 2025, as it combines excellent customer satisfaction and consistently competitive rates across a range of mortgage types.
Nationwide is our only Which? Recommend Provider for mortgage lenders. It combines excellent customer satisfaction, typically market-leading rates and innovative products.
80%
out of 21 mortgage lenders ranked on customer score (joint 1st)
To see how Nationwide compares with other mortgage providers, head to our guide on the best mortgage lenders.
Which? analysed thousands of mortgages, using Moneyfacts data, over eight weeks in the summer of 2025. We compiled a series of top 10 cheapest deals tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.
The average was five table appearances per week, while Nationwide averaged 10 per week, meaning it typically offered market-leading deals.
You can see what rates Nationwide is currently offering first-time buyers, home movers and remortgagers in the tables below.
To see how Nationwide compares with rivals, visit our guide to the best mortgage rates and deals, which is updated every day.
| 80% | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 4.22% | £1,499 | 6.74% |
| 80% fee free | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 4.41% | £0 | 6.74% |
| 90% | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 4.4% | £1,499 | 6.74% |
| 90% fee free | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 4.58% | £0 | 6.74% |
| 95% | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 4.94% | £1,499 | 6.74% |
| 95% fee free | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 5.04% | £0 | 6.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Nationwide had a sample size of 642.
| 60% | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 3.8% | £1,499 | 6.74% |
| 60% fee free | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 4.1% | £0 | 6.74% |
| 75% | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 3.94% | £1,499 | 6.74% |
| 75% fee free | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 4.24% | £0 | 6.74% |
| 85% | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 4.07% | £1,499 | 6.74% |
| 85% fee free | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 4.36% | £0 | 6.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Nationwide had a sample size of 642.
| 60% | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 3.94% | £1,499 | 6.74% |
| 60% fee free | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 4.24% | £0 | 6.74% |
| 75% | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 3.99% | £1,499 | 6.74% |
| 75% fee free | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 4.4% | £0 | 6.74% |
| 85% | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 4.39% | £1,499 | 6.74% |
| 85% fee free | RECOMMENDED PROVIDER Nationwide Building Society | 80% | 4.79% | £0 | 6.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. Nationwide had a sample size of 642.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked Nationwide mortgage customers about their experience with the lender.
Here's how they rated it on various aspects of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. The sample size for Nationwide is 642.
'I have been a customer of Nationwide for a long time and I'm happy with its financial products. And in recent years, its Fair Sharer scheme makes me feel like I am getting something back for my loyalty.'
Along with our customer scores and star ratings, we also collected comments from Nationwide mortgage customers.
Unsurprisingly, most feedback was positive. Mortgage holders appreciated Nationwide's 'good rates', 'low fees' and 'excellent customer services'.
Respondents praised the loyalty Nationwide shows to its customers: 'I have been a customer of Nationwide for a long time and I'm happy with its financial products. And in recent years, its Fair Sharer scheme makes me feel like I am getting something back for my loyalty.'
When reading customer comments, we found that most had no problems with Nationwide and experienced a smooth process.
While some were pleased to have a Nationwide branch locally to discuss matters in person, other customers were frustrated that the nearest branch was a significant distance from them.
When we checked in September 2025, there were 350 mortgages available from Nationwide. Most were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Nationwide mortgages had initial periods of two, three, five or 10 years.
A smaller number of mortgages offered by Nationwide were tracker deals, with initial terms lasting two years before reverting to Nationwide's standard variable rate.
Nationwide doesn't publish its borrowing caps for standard mortgages, but you can use its affordability calculator to check the size of a mortgage you qualify for.
For its Helping Hand mortgage, designed to help first-time buyers, you can borrow up to six times your income.
Nationwide doesn't offer preferential rates for mortgages on homes with excellent energy ratings.
Instead, it rewards buyers for purchasing green homes. If the property has an EPC score between 86 and 91, you will get £250 cashback. If the score is 92 or higher, you'll receive £500 cashback.
In addition, if you're an existing mortgage customer, you can apply for a 0% interest Green Additional Borrowing mortgage. The scheme allows you to borrow between £5,000 and £20,000 to fund improvements such as installing solar panels, adding cavity wall insulation or installing double-glazing windows. Be aware that the 0% interest applies only to the length of your fixed-term mortgage.
All of Nationwide's mortgages allow a maximum term length of 40 years.
Why should you trust Which? research? We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence
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