Mortgage Trading Exchange (MTE) FAQs

Using the system

How can I gain access to MTE?

Firstly, you’ll need to register your details with MTE. They’ll then provide you with a user ID, password and PIN number.

You’ll need to make sure you’ve registered to trade with Nationwide before you can use the system, so once you’ve got your MTE sign on details, complete step two to register.

How do I change my registration details?

You can change your existing registration details by signing into NFI Online and selecting ‘Manage my details’.

If you’re changing companies and need to update your FCA/PRA number, you’ll also need to go to the MTE registration page and update it there too. For NFI Online, you’ll need to then complete step two again with the new company details.

Can I register with more than one mortgage club or network?

If you’ve already got access to MTE and want to register with another mortgage club or network, you’ll need to sign into NFI Online and select ‘manage my details’.

You can add or delete a mortgage club or network by selecting the ‘Submission routes’ tab.

Our Registration team may contact you the following day to find out some additional information about the setup.

Can I submit my own mortgage application?

You can only submit your own mortgage application via or a Nationwide branch. Alternatively, your application can be submitted by another intermediary.

If my machines are networked, can I use the same user ID for everyone?

No, the user ID is unique to the individual person, not the machine or company.

Credit for the business and procuration fee payments are based on individual user IDs.

Who can I contact if I think there’s been a processing error?

Contact Broker Support on 0800 545 3131. They’ll review the case and consider your reasoning before advising you of any available options.

Can I track the progress of a case in MTE?

Yes, this can be done after you’ve completed the ‘Send & Track’ page. On this page, you’ll see a number of tabs that display the current case status, case history, outstanding requirements and documents generated by the system.

Where can I get a copy of the offer from?

When the offer is available, you’ll receive an email notification.

To view the offer within MTE, you’ll need to track the case, then view the responses page when you’ll see a tab labelled ‘offer’. On this page you can view and/or print your copy.

Can I save and revisit applications that aren’t complete?

Yes, by clicking on the ‘close form’ icon at the top of your screen, you’ll have the option to save and validate your form to complete at a later date.

Do I have to be online to submit an application?

Yes, although all the forms can be completed, saved and validated offline, you’ll need to be connected to the internet to ‘Send & Track’ the forms.

Decision in Principle (DIP) queries

I’ve got a message saying my case has been referred. What does this mean and what will happen next?

This means the case needs more investigation and must be reviewed by an underwriter. There are a number of reasons why this may be, such as we might not be able to verify details for an existing customer, the applicant’s credit history may not be satisfactory etc.

Before reviewing the case, the underwriter will need to check all requested requirements so please ensure everything’s attached to avoid delays.

It’s also very important to ensure that the information you’ve keyed is accurate. If anything’s incorrect, you’ll be sent an underwriting request to make changes, which will cause further delays.

What’s the process for assessing a DIP refer?

When all the correct documents have been received and the proofs have been assessed and verified, the documents will then be forwarded to an underwriter to make a final decision.

How can I find out the outcome of a DIP refer?

Once a full underwriting decision has been made, you’ll be notified of the decision via NFI Online > Case home > DIP.

Your decision outcome will either be a ‘subjective accept’ or ‘subjective decline’. We won’t provide a decision on a ‘subject to’ basis.

If the outcome of the referral is a ‘subjective accept’ then you can proceed to full mortgage application. Providing there are no further changes required, the only outstanding case requirement will be the valuation report.

Can I still reserve a product even though my case has been referred?

Yes you can, but please be aware that any fees paid could be lost if the case can’t proceed.

Do I have to create a KFI before a DIP?

No, but if you want to create a KFI before the DIP in MTE, you can promote the KFI data into the DIP process which will save you having to key the data again.

Can I get a DIP under one mortgage club and submit under another?

No, once the decision’s obtained, the submission route is locked. If you want to change the route, you’ll need to start over (but remember that a second DIP could impact the decision and your client’s credit rating).

Scan and Attach (sending proofs)

What file formats and sizes can I attach?

You can attach PDF or TIF files.

The maximum file size we can accept is three megabytes. If the file is larger than this, please fax the documents to us.

My client already has a Nationwide current account and/or mortgage. Do I need to provide their statements?
If a statement’s been requested as a case requirement, rather than ask your client for their statement(s), simply complete this form and Scan and Attach to clear the requirement.

System issues

Who should I speak to if I’m unable to register with MTE?

If you experience any trouble registering with MTE, contact the MTE Helpdesk on 0208 665 3200.

Who should I contact if I’ve forgotten my user ID, password or PIN?

Please contact our technical support team on 0800 545 3131 (option 2) who will request your password reset.

Users of adapted versions of MTE may have slightly different functionality.

We hope we’ve covered most of the common questions, but if you’re still unsure about something, you can contact one of our experienced advisers on Broker Chat.