Mortgage Illustrations

Important:

You can't produce a Mortgage Illustration for withdrawn products.

A Mortgage Illustration provides information about a mortgage loan based on your client's circumstances and preferences.

You can produce a Mortgage Illustration for most mortgage schemes through NFI Online.

If you can't find the scheme, contact us on Broker Chat

Requesting Mortgage Illustrations

You can produce a Mortgage Illustration via NFI Online or a sourcing system for the following types of borrowing:

Porting

You can produce most Porting Mortgage Illustrations via NFI Online. You'll need your client's mortgage account number. You can refer to our Porting Guide (PDF, 1.2MB) for full details on how to do this.

If you want to produce a Mortgage Illustration for a loan that is being ported to another property, you can do this if your client hasn't already redeemed the loan to be ported.

Porting exceptions This will reveal additional content

Porting a 25 year fixed rate
Porting a mortgage term which takes the applicant past 75 years old (unless it's a like for like application)
Porting an account where your client has let out the current mortgaged property
Porting where there are 3 or more applicants (like for like applications only)
Porting of 4 or more accounts

Any exceptions will require a Manual Mortgage Illustration, which you can generate by completing and submitting the Manual Mortgage Illustration Porting Request Form (PDF, 106KB). We'll email the Mortgage Illustration to you within 2 working days of receipt if we receive the form by 5pm. Forms received after 5pm will count as the next working day.

For further information on porting a product, please call us.

Additional borrowing

You can produce additional borrowing Mortgage Illustrations through NFI Online. The Mortgage Illustration will appear in the reserve a product section on the application.

Additional borrowing exceptions This will reveal additional content

After completing the Decision in Principle
Applications that have 'with works' valuations
Applications where there are multiple accounts, but the main account has a nominal balance of £1 to retain the property deeds
Applications where your client has let the property. See our eligibility.

Any exceptions will require a Manual Mortgage Illustration (PDF, 106KB), which you can generate by completing and submitting the Manual Mortgage Illustration Additional Borrowing Request Form (PDF, 355KB).

We'll post the Mortgage Illustration to you within 48 hours of receipt if we receive the form by 3pm. Forms received after 3pm will count as the next working day.

Rate switch

You can produce most rate switch Mortgage Illustrations via NFI Online.

Rate switch exceptions This will reveal additional content

More than two applicants on the existing mortgage
Your client is switching more than four accounts.

For any exceptions, complete and submit the Rate Switch Application Form. Once our team has completed this, you'll receive a copy of the offer.

You'll then need to complete our Rate Switch Offer Acceptance Form to confirm that your client has accepted it.

Additional fees and charges

A Mortgage Illustration will be produced using Nationwide's standard valuation fee structure.

In the mortgage application, you must disclose any fees you charge in the Mortgage Illustration so we can include them in the offer document.

In Section 2 of the Mortgage Illustration, you can find details of the fees we pay you, including procuration fees and inducements. If you produce a Mortgage Illustration through NFI Online, we’ll include the gross procuration fee and details of the recipient(s). This may not be the amount you receive from your company or firm.

We’ll calculate the value of any inducement received by you, your company or any network or club. Examples of inducements include gifts, lunches and valuations.

In Section 4 of the Mortgage Illustration, you can find details of the fees your client must pay to the you and the lender. This includes any applicable valuation, booking and reservation fees charged by Nationwide.

We produce Mortgage Illustration calculations based on the product chosen on the day and the information supplied.

Broker Chat

Speak to one of our Business Development Advisers if you need any support.

Take me to Broker Chat

Adobe Reader

You can produce a Mortgage Illustration in PDF format. You’ll need Acrobat Reader version 6 or higher.

Download Adobe Reader