Mortgage rates
Nationwide mortgage rates today Updated every night.
94 Nationwide deals for buying a home, from 4.34%. Each one set beside the lowest from the 10 other lenders we read, with what it costs a month for your deposit. No broker, no commission.
- Lowest rate
- 4.34%
- Deals for buying a home
- 94
- Loan to value
- 60% to 95%
- Read from its site
- 12 Nov 2026
Nationwide 2 year fixed mortgage rates
Nationwide’s lowest 2-year fix at each loan to value, beside the lowest from the 10 other lenders here.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 4.94% | 2 Year Fixed Rate£999 fee · home movers only | 4.87%NatWest |
| 75% LTV25% deposit | 5.05% | 2 Year Fixed Rate£999 fee · home movers only | 5.00%Yorkshire Building Society |
| 85% LTV15% deposit | 5.12% | 2 Year Fixed Rate£999 fee · home movers only | 5.10%Yorkshire Building Society |
| 90% LTV10% deposit | 5.25% | 2 Year Fixed Rate£999 fee · home movers only | 5.23%Santander |
| 95% LTV5% deposit | 5.69% | 2 Year Fixed Rate£999 fee · home movers only | 5.52%Leeds Building Society |
Nationwide 3 year fixed mortgage rates
Nationwide’s lowest 3-year fix at each loan to value, beside the lowest from the 10 other lenders here.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 4.94% | 3 Year Fixed Rate£999 fee · home movers only | The lowest here |
| 75% LTV25% deposit | 5.05% | 3 Year Fixed Rate£999 fee · home movers only | The lowest here |
| 85% LTV15% deposit | 5.12% | 3 Year Fixed Rate£999 fee · home movers only | The lowest here |
| 90% LTV10% deposit | 5.25% | 3 Year Fixed Rate£999 fee · home movers only | The lowest here |
| 95% LTV5% deposit | 5.69% | 3 Year Fixed Rate£999 fee · home movers only | 5.56%Barclays |
Nationwide 5 year fixed mortgage rates
Nationwide’s lowest 5-year fix at each loan to value, beside the lowest from the 10 other lenders here.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 4.94% | 5 Year Fixed Rate£999 fee · home movers only | 4.82%Barclays |
| 75% LTV25% deposit | 5.08% | 5 Year Fixed Rate£999 fee · home movers only | 4.88%Barclays |
| 85% LTV15% deposit | 5.17% | 5 Year Fixed Rate£999 fee · home movers only | 5.00%Barclays |
| 90% LTV10% deposit | 5.25% | 5 Year Fixed Rate£999 fee · home movers only | 5.00%Barclays |
| 95% LTV5% deposit | 5.63% | 5 Year Fixed Rate£999 fee · home movers only | 5.58%Skipton Building Society |
Nationwide 10 year fixed mortgage rates
Nationwide’s lowest 10-year fix at each loan to value, beside the lowest from the 10 other lenders here.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 5.34% | 10 Year Fixed Rate£999 fee · home movers only | 5.29%Santander |
| 75% LTV25% deposit | 5.39% | 10 Year Fixed Rate£999 fee · first-time buyers only | 5.34%Santander |
| 85% LTV15% deposit | 5.54% | 10 Year Fixed Rate£999 fee · first-time buyers only | The lowest here |
| 90% LTV10% deposit | 5.64% | 10 Year Fixed Rate£999 fee · first-time buyers only | The lowest here |
Nationwide tracker mortgage rates
Nationwide’s lowest tracker at each loan to value, beside the lowest from the 10 other lenders here. A tracker moves with Bank Rate; each rate is Nationwide’s own, already at today’s Bank Rate.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 4.34% | 2 Year Base Rate Tracker£999 fee · home movers only | 4.08%Santander |
| 75% LTV25% deposit | 4.45% | 2 Year Base Rate Tracker£999 fee · home movers only | 4.20%Santander |
| 85% LTV15% deposit | 4.60% | 2 Year Base Rate Tracker£999 fee · home movers only | 4.30%Santander |
| 90% LTV10% deposit | 4.91% | 2 Year Base Rate Tracker£999 fee · home movers only | The lowest here |
| 95% LTV5% deposit | 5.14% | 2 Year Base Rate Tracker£999 fee · first-time buyers only | The lowest here |
Nationwide mortgage rate changes
Every change Nationwide made to the rates it publishes for buying a home in the last 4 weeks, read from its own site each night: 20 rates raised. Newest first.
| Lender and deal | Read on | Loan to value | Was | Now | Change |
|---|---|---|---|---|---|
| Nationwide2 Year Base Rate Tracker, 2-year tracker | 10 Nov 2026 | 60% to 95% | 4.09% to 4.99% | 4.34% to 5.24% | Up 0.25points |
| Nationwide10 Year Fixed Rate, 10-year fixed | 10 Nov 2026 | 60% to 90% | 6.49% | 6.74% | Up 0.25points, rate after the deal |
| Nationwide2 Year Base Rate Tracker, 2-year tracker | 10 Nov 2026 | 60% to 95% | 6.49% | 6.74% | Up 0.25points, rate after the deal |
| Nationwide2 Year Fixed Rate, 2-year fixed | 10 Nov 2026 | 60% to 95% | 6.49% | 6.74% | Up 0.25points, rate after the deal |
| Nationwide3 Year Fixed Rate, 3-year fixed | 10 Nov 2026 | 60% to 95% | 6.49% | 6.74% | Up 0.25points, rate after the deal |
| Nationwide5 Year Fixed Rate, 5-year fixed | 10 Nov 2026 | 60% to 95% | 6.49% | 6.74% | Up 0.25points, rate after the deal |
Nationwide mortgage calculator: what you would pay
The monthly repayment on a £300,000 home over 30 years at Nationwide’s lowest 2-year fixed rate for each deposit. Your own price, deposit and term are worked out in the comparison, with fees and the rate after the deal.
| Deposit | Loan | Rate | Monthly payment |
|---|---|---|---|
| 5% deposit£15,000 | £285,000 | 5.69%Nationwide Building Society | £1,652 |
| 10% deposit£30,000 | £270,000 | 5.25%Nationwide Building Society | £1,491 |
| 15% deposit£45,000 | £255,000 | 5.12%Nationwide Building Society | £1,388 |
| 25% deposit£75,000 | £225,000 | 5.05%Nationwide Building Society | £1,215 |
| 40% deposit£120,000 | £180,000 | 4.94%Nationwide Building Society | £960 |
Every Nationwide mortgage deal
All 94 deals Nationwide publishes for buying a home, as its own site showed them on 12 November 2026, by length of deal and loan to value.
Show all 94 deals
| Deal | Up to | Rate | Then | Fee |
|---|---|---|---|---|
| Nationwide Building Society2 Year Fixed Rate · £999 fee · home movers only | 60% LTV | 4.94%2-year fixed | 6.74% | £999 |
| Nationwide Building Society2 Year Fixed Rate · £999 fee · first-time buyers only | 60% LTV | 5.06%2-year fixed | 6.74% | £999 |
| Nationwide Building Society2 Year Fixed Rate · no fee · home movers only | 60% LTV | 5.17%2-year fixed | 6.74% | No fee |
| Nationwide Building Society2 Year Fixed Rate · £999 fee · home movers only | 75% LTV | 5.05%2-year fixed | 6.74% | £999 |
| Nationwide Building Society2 Year Fixed Rate · £999 fee · first-time buyers only | 75% LTV | 5.22%2-year fixed | 6.74% | £999 |
| Nationwide Building Society2 Year Fixed Rate · no fee · home movers only | 75% LTV | 5.24%2-year fixed | 6.74% | No fee |
| Nationwide Building Society2 Year Fixed Rate · no fee · first-time buyers only | 75% LTV | 5.45%2-year fixed | 6.74% | No fee |
| Nationwide Building Society2 Year Fixed Rate · £999 fee · home movers only | 85% LTV | 5.12%2-year fixed | 6.74% | £999 |
| Nationwide Building Society2 Year Fixed Rate · £999 fee · first-time buyers only | 85% LTV | 5.27%2-year fixed | 6.74% | £999 |
| Nationwide Building Society2 Year Fixed Rate · no fee · home movers only | 85% LTV | 5.33%2-year fixed | 6.74% | No fee |
| Nationwide Building Society2 Year Fixed Rate · no fee · first-time buyers only | 85% LTV | 5.48%2-year fixed | 6.74% | No fee |
| Nationwide Building Society2 Year Fixed Rate · £999 fee · home movers only | 90% LTV | 5.25%2-year fixed | 6.74% | £999 |
| Nationwide Building Society2 Year Fixed Rate · £999 fee · first-time buyers only | 90% LTV | 5.41%2-year fixed | 6.74% | £999 |
| Nationwide Building Society2 Year Fixed Rate · no fee · home movers only | 90% LTV | 5.48%2-year fixed | 6.74% | No fee |
| Nationwide Building Society2 Year Fixed Rate · no fee · first-time buyers only | 90% LTV | 5.63%2-year fixed | 6.74% | No fee |
| Nationwide Building Society2 Year Fixed Rate · £999 fee · home movers only | 95% LTV | 5.69%2-year fixed | 6.74% | £999 |
| Nationwide Building Society2 Year Fixed Rate · no fee · home movers only | 95% LTV | 5.77%2-year fixed | 6.74% | No fee |
| Nationwide Building Society2 Year Fixed Rate · £999 fee · first-time buyers only | 95% LTV | 5.79%2-year fixed | 6.74% | £999 |
| Nationwide Building Society2 Year Fixed Rate · no fee · first-time buyers only | 95% LTV | 5.84%2-year fixed | 6.74% | No fee |
| Nationwide Building Society3 Year Fixed Rate · £999 fee · home movers only | 60% LTV | 4.94%3-year fixed | 6.74% | £999 |
| Nationwide Building Society3 Year Fixed Rate · £999 fee · first-time buyers only | 60% LTV | 5.06%3-year fixed | 6.74% | £999 |
| Nationwide Building Society3 Year Fixed Rate · no fee · home movers only | 60% LTV | 5.17%3-year fixed | 6.74% | No fee |
| Nationwide Building Society3 Year Fixed Rate · £999 fee · home movers only | 75% LTV | 5.05%3-year fixed | 6.74% | £999 |
| Nationwide Building Society3 Year Fixed Rate · £999 fee · first-time buyers only | 75% LTV | 5.22%3-year fixed | 6.74% | £999 |
| Nationwide Building Society3 Year Fixed Rate · no fee · home movers only | 75% LTV | 5.24%3-year fixed | 6.74% | No fee |
| Nationwide Building Society3 Year Fixed Rate · no fee · first-time buyers only | 75% LTV | 5.45%3-year fixed | 6.74% | No fee |
| Nationwide Building Society3 Year Fixed Rate · £999 fee · home movers only | 85% LTV | 5.12%3-year fixed | 6.74% | £999 |
| Nationwide Building Society3 Year Fixed Rate · £999 fee · first-time buyers only | 85% LTV | 5.27%3-year fixed | 6.74% | £999 |
| Nationwide Building Society3 Year Fixed Rate · no fee · home movers only | 85% LTV | 5.33%3-year fixed | 6.74% | No fee |
| Nationwide Building Society3 Year Fixed Rate · no fee · first-time buyers only | 85% LTV | 5.48%3-year fixed | 6.74% | No fee |
| Nationwide Building Society3 Year Fixed Rate · £999 fee · home movers only | 90% LTV | 5.25%3-year fixed | 6.74% | £999 |
| Nationwide Building Society3 Year Fixed Rate · £999 fee · first-time buyers only | 90% LTV | 5.41%3-year fixed | 6.74% | £999 |
| Nationwide Building Society3 Year Fixed Rate · no fee · home movers only | 90% LTV | 5.48%3-year fixed | 6.74% | No fee |
| Nationwide Building Society3 Year Fixed Rate · no fee · first-time buyers only | 90% LTV | 5.63%3-year fixed | 6.74% | No fee |
| Nationwide Building Society3 Year Fixed Rate · £999 fee · home movers only | 95% LTV | 5.69%3-year fixed | 6.74% | £999 |
| Nationwide Building Society3 Year Fixed Rate · no fee · home movers only | 95% LTV | 5.77%3-year fixed | 6.74% | No fee |
| Nationwide Building Society3 Year Fixed Rate · £999 fee · first-time buyers only | 95% LTV | 5.79%3-year fixed | 6.74% | £999 |
| Nationwide Building Society3 Year Fixed Rate · no fee · first-time buyers only | 95% LTV | 5.84%3-year fixed | 6.74% | No fee |
| Nationwide Building Society5 Year Fixed Rate · £999 fee · home movers only | 60% LTV | 4.94%5-year fixed | 6.74% | £999 |
| Nationwide Building Society5 Year Fixed Rate · £999 fee · first-time buyers only | 60% LTV | 5.04%5-year fixed | 6.74% | £999 |
| Nationwide Building Society5 Year Fixed Rate · no fee · home movers only | 60% LTV | 5.05%5-year fixed | 6.74% | No fee |
| Nationwide Building Society5 Year Fixed Rate · no fee · first-time buyers only | 60% LTV | 5.16%5-year fixed | 6.74% | No fee |
| Nationwide Building Society5 Year Fixed Rate · £999 fee · home movers only | 75% LTV | 5.08%5-year fixed | 6.74% | £999 |
| Nationwide Building Society5 Year Fixed Rate · £999 fee · first-time buyers only | 75% LTV | 5.14%5-year fixed | 6.74% | £999 |
| Nationwide Building Society5 Year Fixed Rate · no fee · home movers only | 75% LTV | 5.16%5-year fixed | 6.74% | No fee |
| Nationwide Building Society5 Year Fixed Rate · no fee · first-time buyers only | 75% LTV | 5.29%5-year fixed | 6.74% | No fee |
| Nationwide Building Society5 Year Fixed Rate · £999 fee · home movers only | 80% LTV | 5.16%5-year fixed | 6.74% | £999 |
| Nationwide Building Society5 Year Fixed Rate · no fee · home movers only | 80% LTV | 5.23%5-year fixed | 6.74% | No fee |
| Nationwide Building Society5 Year Fixed Rate · £999 fee · home movers only | 85% LTV | 5.17%5-year fixed | 6.74% | £999 |
| Nationwide Building Society5 Year Fixed Rate · £999 fee · first-time buyers only | 85% LTV | 5.21%5-year fixed | 6.74% | £999 |
| Nationwide Building Society5 Year Fixed Rate · no fee · home movers only | 85% LTV | 5.24%5-year fixed | 6.74% | No fee |
| Nationwide Building Society5 Year Fixed Rate · no fee · first-time buyers only | 85% LTV | 5.30%5-year fixed | 6.74% | No fee |
| Nationwide Building Society5 Year Fixed Rate · £999 fee · home movers only | 90% LTV | 5.25%5-year fixed | 6.74% | £999 |
| Nationwide Building Society5 Year Fixed Rate · £999 fee · first-time buyers only | 90% LTV | 5.29%5-year fixed | 6.74% | £999 |
| Nationwide Building Society5 Year Fixed Rate · no fee · home movers only | 90% LTV | 5.34%5-year fixed | 6.74% | No fee |
| Nationwide Building Society5 Year Fixed Rate · no fee · first-time buyers only | 90% LTV | 5.40%5-year fixed | 6.74% | No fee |
| Nationwide Building Society5 Year Fixed Rate · £999 fee · home movers only | 95% LTV | 5.63%5-year fixed | 6.74% | £999 |
| Nationwide Building Society5 Year Fixed Rate · £999 fee · first-time buyers only | 95% LTV | 5.64%5-year fixed | 6.74% | £999 |
| Nationwide Building Society5 Year Fixed Rate · no fee · home movers only | 95% LTV | 5.68%5-year fixed | 6.74% | No fee |
| Nationwide Building Society5 Year Fixed Rate · no fee · first-time buyers only | 95% LTV | 5.69%5-year fixed | 6.74% | No fee |
| Nationwide Building Society10 Year Fixed Rate · £999 fee · home movers only | 60% LTV | 5.34%10-year fixed | 6.74% | £999 |
| Nationwide Building Society10 Year Fixed Rate · £999 fee · first-time buyers only | 60% LTV | 5.34%10-year fixed | 6.74% | £999 |
| Nationwide Building Society10 Year Fixed Rate · no fee · home movers only | 60% LTV | 5.44%10-year fixed | 6.74% | No fee |
| Nationwide Building Society10 Year Fixed Rate · £999 fee · first-time buyers only | 75% LTV | 5.39%10-year fixed | 6.74% | £999 |
| Nationwide Building Society10 Year Fixed Rate · £999 fee · home movers only | 75% LTV | 5.39%10-year fixed | 6.74% | £999 |
| Nationwide Building Society10 Year Fixed Rate · no fee · first-time buyers only | 75% LTV | 5.44%10-year fixed | 6.74% | No fee |
| Nationwide Building Society10 Year Fixed Rate · no fee · home movers only | 75% LTV | 5.49%10-year fixed | 6.74% | No fee |
| Nationwide Building Society10 Year Fixed Rate · £999 fee · first-time buyers only | 85% LTV | 5.54%10-year fixed | 6.74% | £999 |
| Nationwide Building Society10 Year Fixed Rate · £999 fee · home movers only | 85% LTV | 5.64%10-year fixed | 6.74% | £999 |
| Nationwide Building Society10 Year Fixed Rate · no fee · home movers only | 85% LTV | 5.74%10-year fixed | 6.74% | No fee |
| Nationwide Building Society10 Year Fixed Rate · £999 fee · first-time buyers only | 90% LTV | 5.64%10-year fixed | 6.74% | £999 |
| Nationwide Building Society10 Year Fixed Rate · £999 fee · home movers only | 90% LTV | 5.74%10-year fixed | 6.74% | £999 |
| Nationwide Building Society10 Year Fixed Rate · no fee · first-time buyers only | 90% LTV | 5.74%10-year fixed | 6.74% | No fee |
| Nationwide Building Society10 Year Fixed Rate · no fee · home movers only | 90% LTV | 5.89%10-year fixed | 6.74% | No fee |
| Nationwide Building Society2 Year Base Rate Tracker · £999 fee · home movers only | 60% LTV | 4.34%2-year tracker | 6.74% | £999 |
| Nationwide Building Society2 Year Base Rate Tracker · £999 fee · first-time buyers only | 60% LTV | 4.42%2-year tracker | 6.74% | £999 |
| Nationwide Building Society2 Year Base Rate Tracker · £999 fee · home movers only | 75% LTV | 4.45%2-year tracker | 6.74% | £999 |
| Nationwide Building Society2 Year Base Rate Tracker · £999 fee · first-time buyers only | 75% LTV | 4.47%2-year tracker | 6.74% | £999 |
| Nationwide Building Society2 Year Base Rate Tracker · no fee · home movers only | 75% LTV | 4.99%2-year tracker | 6.74% | No fee |
| Nationwide Building Society2 Year Base Rate Tracker · no fee · first-time buyers only | 75% LTV | 5.09%2-year tracker | 6.74% | No fee |
| Nationwide Building Society2 Year Base Rate Tracker · £999 fee · home movers only | 80% LTV | 4.47%2-year tracker | 6.74% | £999 |
| Nationwide Building Society2 Year Base Rate Tracker · £999 fee · first-time buyers only | 80% LTV | 4.54%2-year tracker | 6.74% | £999 |
| Nationwide Building Society2 Year Base Rate Tracker · no fee · first-time buyers only | 80% LTV | 5.14%2-year tracker | 6.74% | No fee |
| Nationwide Building Society2 Year Base Rate Tracker · £999 fee · home movers only | 85% LTV | 4.60%2-year tracker | 6.74% | £999 |
| Nationwide Building Society2 Year Base Rate Tracker · £999 fee · first-time buyers only | 85% LTV | 4.64%2-year tracker | 6.74% | £999 |
| Nationwide Building Society2 Year Base Rate Tracker · no fee · home movers only | 85% LTV | 5.14%2-year tracker | 6.74% | No fee |
| Nationwide Building Society2 Year Base Rate Tracker · £999 fee · home movers only | 90% LTV | 4.91%2-year tracker | 6.74% | £999 |
| Nationwide Building Society2 Year Base Rate Tracker · £999 fee · first-time buyers only | 90% LTV | 4.94%2-year tracker | 6.74% | £999 |
| Nationwide Building Society2 Year Base Rate Tracker · no fee · first-time buyers only | 90% LTV | 5.19%2-year tracker | 6.74% | No fee |
| Nationwide Building Society2 Year Base Rate Tracker · no fee · home movers only | 90% LTV | 5.19%2-year tracker | 6.74% | No fee |
| Nationwide Building Society2 Year Base Rate Tracker · £999 fee · first-time buyers only | 95% LTV | 5.14%2-year tracker | 6.74% | £999 |
| Nationwide Building Society2 Year Base Rate Tracker · £999 fee · home movers only | 95% LTV | 5.14%2-year tracker | 6.74% | £999 |
| Nationwide Building Society2 Year Base Rate Tracker · no fee · home movers only | 95% LTV | 5.24%2-year tracker | 6.74% | No fee |
| Nationwide Building Society2 Year Base Rate Tracker · no fee · first-time buyers only | 95% LTV | 5.24%2-year tracker | 6.74% | No fee |
Nationwide mortgage rates: your questions
What are Nationwide’s mortgage rates today?
Nationwide’s lowest rate for buying a home today is 4.34%, its 2-year tracker at up to 60% LTV, with a £999 fee. With a 10% deposit its lowest is 4.91% (2-year tracker). With a 5% deposit, 5.14% (2-year tracker). Read from Nationwide’s own site on 12 November 2026.
Has Nationwide cut or raised its mortgage rates?
It has raised them: on 10 November 2026 Nationwide raised its 2 Year Base Rate Tracker (2-year tracker) by 0.25 points at 60% to 95% LTV, to 4.34% to 5.24%. In the last 4 weeks it cut 0 rates and raised 20 rates for buying a home, read from its own site each night.
Does Nationwide offer 95% mortgages?
Yes: Nationwide publishes deals up to 95% loan to value, so a 5% deposit. Its lowest today is 5.14%, a 2-year tracker with a £999 fee: about £1,554 a month on a £300,000 home over 30 years.
What rate does Nationwide charge after the deal ends?
Most Nationwide deals move to 6.74% when the initial rate ends, the variable rate it charges today. That rate can change, and it is what the comparison uses for the payment after the deal.
Does Nationwide charge a mortgage product fee?
Nationwide publishes deals with no fee, £999 product fees. A fee usually buys a lower rate; whether it pays depends on the size of the loan, which the comparison’s true cost works out.
Does Nationwide have early repayment charges?
Yes, on its fixed deals: Nationwide’s 2-year fixes charge 2% in year 1 and 1% in year 2 of what is repaid early, as most UK lenders do. Each deal’s own schedule is in the comparison’s More info.
Does Nationwide lend on new-build homes?
Its published rates for buying a home set no new-build exclusion, so every deal here is shown. A lender checks the home itself before it lends, as it does for any purchase.
Where do these mortgage rates come from?
From each lender’s own website, read every night by NewHomeSearch: 11 UK lenders, their rates, fees, loan to value bands and early repayment charges exactly as they publish them for buying a home. We are not a broker, take no commission and rank nothing for payment, so every deal is shown on the same terms, sorted by its numbers. Rates change, and a lender decides who it lends to: check a deal with the lender before you apply.
Your next step
Work out Nationwide’s deals for your price and depositHow we read the rates
- From each lender’s own website, every night. 11 UK lenders, read at 02:45 UTC; this page’s rates were read on 12 Nov 2026. Every rate links the page it came from.
- No broker, no commission, no paid placings. Nothing here is ranked for money, so every deal is shown on the same terms, sorted by its numbers.
- Only deals that lend on new-build homes. Every home on NewHomeSearch is a new build, so a deal its lender keeps from new builds is never shown.
- The sums done for you. Monthly payments, the true cost over the deal and the APRC are worked out with the lender’s own fees, in the comparison, for your price and deposit.
An illustration, not advice: rates change, and a lender decides who it lends to. Check a deal with the lender before you apply. How NewHomeSearch reads the lenders’ sites.