Where to get KFIs
Under FSA regulation, the generation of KFIs becomes an integral part of the mortgage sales process and as such it is vital that you know where to obtain a Nationwide KFI for any scheme.
KFIs are available directly from Nationwide via:
NFI Online
Paper Applications
Mortgage Trading Exchange (MTE)
KFI's can also be obtained by mortgage sourcing systems. These are stand-alone KFIs, produced by the relevant sourcing company with no interaction from Nationwide.
Whilst we are working hard to deliver Nationwide produced KFIs to cover the full range of product schemes through NFI Online, our paper exceptions system and MTE, not all of these are currently available.
| Lending Schemes | How KFIs can be generated | |||
|---|---|---|---|---|
NFI Online |
MTE |
Paper |
Sourcing System |
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| Purchase |  |
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| Remortgage | |
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| Shared Ownership | |
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| Unencumbered Remortgage | |
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| Right to Buy | |
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| Second Property Applications | |
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| Applications with other mortgages in the background | |
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| More than 3 addresses in the last 3 years | |
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| 2 or more products are required | |
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| More than 2 applicants | |
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| Additional Borrowing | |
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| Shared Equity | |
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| Key Worker scheme | |
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| Portable products* | |
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| Have had a foreign address/BFPO in the last 3 years | |
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| Genuine Bargain Price | |
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| Nationwide Building Society Staff/Pensioners | |
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*If you want to produce a KFI for a loan that is being ported to another property, this can be done as long as the loan to be ported has not already been redeemed. If the loan to be ported has already been redeemed please read the Manual KFI Porting Requests information below.
Manual KFI Porting Requests
Most KFIs can be produced via our e trading platforms with the following exceptions:
- Non-simultaneous portable product (where the loan to be ported will be redeemed before a new mortgage account is opened)
- Porting a 25 year fixed rate
- Porting an account with a future dated product switch
- Porting more than one account on the same product/term and amalgamating them into one account
- Porting if the mortgage term takes the applicant past 75 years old
- Porting of more than 4 accounts
- Porting an account where the current mortgaged property is being let out
Porting in these circumstances will require a manual KFI to be produced.
To obtain a KFI please complete the 
Manual KFI Porting Request Form and submit as instructed. KFIs will be faxed or posted to you within 48 hours of receipt of the form if received by 3pm.
Forms received after 3pm will be treated as having been received by 8am the next working day.
For further information on porting please call 08456 093 422.
For information on KFIs for porting a Tracker product please contact 0845 850 2852.
Base Mortgage Rate (BMR) for Porting
Nationwide's BMR is not available for new business and additional borrowing customers.
It will therefore only be available to existing Nationwide customers moving home who are already on the BMR and wish to port to their BMR product. They can only port across their existing balance and any additional borrowing required must be taken on a product other than the BMR Porting Only product.
Applications received on the BMR Porting Only Product that are not for existing customers who are porting their BMR on its existing balance will not be accepted and the application will be returned.
