Home mover

Information:

We've made enhancements DIP process to show additional affordability when your home mover clients are eligible for extra help. For details, see the 'Next steps' section under Extra help with affordability for home movers below.

Helping your home mover clients

We're here to help your clients get moving. So, we now offer great mortgage deals on products up to 95% LTV for new home movers, outside of any current or existing government schemes.

Our range of handy calculators can also help you and your client:

Remember, our home mover mortgages:

Extra help with affordability for home movers

Depending on your client’s circumstances, we may be able to lend more when you choose a 5-10 year fixed rate mortgage.

  • House Purchase (Home Movers)
  • Remortgage
    • Standard Ownership only, and the security address must be the applicant(s) main residence.
    • Not available if capital raising to repay unsecured debt.
  • Employed or self employed
  • Minimum income of £40k for a sole applicant or £70k for joint applicants.

Meeting the criteria doesn't mean we'll always be able to offer extra help

We won't accept:
  • Applications in conjunction with any Scheme or Non-Standard Ownership type (such as Shared Ownership or Right to Buy)
  • Interest only
  • Porting

  • Applications for second properties. This includes holiday homes, dependent relative or for work reasons. Extra help will only be available if:

    • an existing property remains in the background and
    • the new property will be the main residence.

Next steps

  1. In the DIP decision screen, if your client is eligible, it may return standard affordability and extra help for home movers

  2. By selecting Longer Term Fixed, only products of 5 years or more will be displayed at full application.

Examples of home movers

New customers moving home

  • Applicants moving home and taking a loan on another property

Existing Nationwide borrower moving home

  • An existing Nationwide borrower moving home and taking a new Nationwide loan on another property
  • For joint applicants, only one applicant needs to have an existing mortgage with Nationwide
  • An applicant who redeemed a Nationwide mortgage no more than one year ago and has not held another mortgage elsewhere in the interim

Existing Nationwide borrower moving home and porting their mortgage

  • An existing Nationwide borrower moving home and porting their Nationwide loan to another property

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