Nationwide is the UK’s largest building society and one of the most recognised names in mortgage lending. With strong affordability, generous income treatment, and support for first-time buyers, employed professionals, and self-employed clients, they combine high street reliability with broker-accessible flexibility.
At Mortgage Knight, we recommend Nationwide for clients who want mainstream pricing, efficient service, and fair criteria — especially when paired with a good credit profile and clean income.
Whether you’re buying your first home, remortgaging for a better deal, or navigating life as a self-employed professional, Nationwide offers a stable, well-priced option with room for flexibility.
Speak to Mortgage Knight today for personal advice, expert application handling, and access to Nationwide’s most competitive deals.
A: Yes. Nationwide offers up to 95% LTV mortgages, ideal for first-time buyers with smaller deposits — including options with no product fees and cashback.
A: Income multiples typically range from 4.5x to 5.5x, depending on your income, outgoings, and credit profile. Professionals with low debt may qualify for enhanced affordability.
A: Yes. Nationwide accepts 1–2 years of trading history, with income assessed via SA302s and accountant’s references. A stable recent year can go a long way.
A: Yes — often up to 50–100% of additional income is used in affordability, depending on its frequency and stability.
A: Most of their remortgage deals come with free legal fees and valuations, plus options for capital raising and no early repayment charges (ERCs) on selected deals.
A: Yes. Nationwide will consider probationary contracts, especially if you’ve had consistent employment history or are in a skilled profession.
A: Yes. While you can apply directly, using Mortgage Knight as your broker gives you expert support, full packaging, and access to the same product range — without extra cost.
