NFI Online keying support

• Buy out a partner's interest (non-borrower)
• Non-structural home improvements - includes a boiler replacement, new kitchen or bathroom, replacement double glazing, or central heating installation.
• Structural home improvements - includes internal wall removal, property extensions, major roof works, or a new staircase.
• Buy a share of the freehold or land to extend the security - not available for shared ownership applications.
• Buy land or property separate from the security - not available where the land or property will be let out, or for shared ownership and Right to Buy applications within the discount clawback period.
• Buy a freehold title or extend a lease - key the new lease term on the application. For example, if the current lease term is 55 years and will become 150 years on completion, enter 150 years. Contact us for shared ownership cases.
• Other personal consumption: includes holiday, car or school fees. We don't lend for business purposes. This isn't allowed on shared ownership and right to buy (within the discount clawback period).

Repay unsecured debts - including credit cards, personal loans and hire purchase agreements.

This loan purpose isn't available for:

• Shared Ownership cases
• Right to Buy applications within the discount clawback period
• Interest Only additional borrowing
• Part & Part additional borrowing

Help to Buy

Only your client's deposit, which must be at least 5% of the full market value, should be entered on this screen. Additional deposit sources can be added using 'Add an entry'.

Don't enter the equity loan as a deposit source. If prompted, return to the 'Loan requirements' screen and check the application has been keyed as Equity Share.

The loan amount should be the full market value less the government loan and the client's deposit. The purchase price of the share should be the full market value less the government loan.

Forces Help to Buy

Key the ownership type as 'Standard' on the Loan requirements screen. Once selected, Forces Help to Buy will be available as a deposit source on the 'Deposit details' screen.

Select 'Forces Help to Buy' and enter the amount provided through the scheme along with the monthly loan repayment. Any additional deposit sources can be added separately using 'Add an entry'.

Other housing schemes

Looking for another housing scheme? Visit our housing schemes page for eligibility requirements, guidance and keying support.

• Funds from minors (under 18) aren't acceptable as a deposit source.
• If gifted deposit funds are held outside the UK, you'll need to provide a mortgage gifted deposit form.

If you're receiving a 'maximum LTV of 95%' message and the application includes vendor cashback, return to the Loan Requirements section and reduce the purchase price by the cashback amount. The vendor cashback should then be entered in the 'Deposit details' section.

If you receive an error message when selecting 'Continue', check all mandatory fields have been completed and only numerical characters have been entered, with no pound signs.

If the correct deposit source isn't available, check the ownership type selected in 'Loan Requirements' is correct, as available deposit sources vary depending on the option chosen.

• Enter self-assessment cases using the accountant's details section within the FMA screens.
• Zero hours contract income can only be used where it's secondary to a higher employed, self-employed or pension income.
• Foreign currency income is only available to existing Nationwide borrowers where they're looking to port their existing mortgage or reduce their borrowing. Your client must be a UK resident.
• For employers based outside the UK, enter the employer's UK address on the application. Your client must be a UK resident.
• Car and shift allowances can be keyed as basic income where the amount is shown and remains consistent across payslips.
• The maximum retirement age that can be keyed in NFI Online is 70.

Maximum LTV messages

If you receive a maximum LTV message, check that you've selected the correct application type, as changing the application type won't automatically update the maximum LTV available. In these cases, you'll need to cancel and re-key the application.

Check whether the loan exceeds £1 million, as lending above this amount are capped at 80% LTV.

If a product has already been reserved, it may have been based on the original LTV. You may need to select an alternative product to pull through the correct LTV.

Unable to progress past the Loan requirements screen

To continue, check that all mandatory fields have been completed and that the loan requirements section within the DIP has been fully completed. Once all sections have been completed, return to the illustration and continue with the application.

If you're still unable to proceed, try re-keying the case or contact us for support.

0% LTV messages

If a 0% LTV is displayed, check that the loan amount has been entered in whole pounds only.

DIP without a property

A DIP can be obtained before a property has been identified. However, the decision won't take account of the property or any associated outgoings. Once property details are added, the affordable loan amount may change.

Amending a client's name or address

Where an existing client record has been selected, the client's name and address can't be amended. In these cases, the application will need to be cancelled and re-keyed using manually entered client details.

For newly created clients, details can be amended until a DIP decision has been obtained. After a DIP decision has been issued, a new application must be submitted.

Property region

If you know the property's postcode, use the What Region? finder on our House Price Index calculator.

If the postcode isn't available, it can be found using the Royal Mail website.

Scottish properties

Before submitting an application, check that it meets our Scottish lending criteria.

On the loan requirements page within the DIP, select 'Ownership Scotland'. In the Valuation requirements section of the FMA, select Transcription report as the valuation type.

Non-standard applications

We provide a range of NFI Online keying guides to support non-standard applications.

For additional lending criteria and policy guidance, visit our Housing schemes page.