Home mover

A home mover mortgage helps you support clients who are buying a new property.

It's designed for customers who are moving home and need a Nationwide mortgage to suit their needs.

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:

  • Tick icon start from 5% deposit products, outside of any current or existing government schemes
  • Tick icon have no standard valuation fees
  • Tick icon come with great benefits such as overpayment allowances
  • Tick icon are fully portable helping your client to move again in the future
  • Tick icon are true term products, meaning the deal period starts on your client’s completion date.

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.

  • Tick icon House Purchase (Home Movers)
  • Tick icon Remortgage
    • Standard Ownership only, and the security address must be the applicant(s) main residence.
    • Not available if capital raising to repay unsecured debt.
  • Tick icon Employed or self employed
  • Tick icon 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 will not accept:

  • Cross icon Applications in conjunction with any Scheme or Non-Standard Ownership type (such as Shared Ownership or Right to Buy)
  • Cross icon Interest only
  • Cross icon Porting
  • Cross icon

    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. Check the affordability calculator

    Use the affordability calculator to see if your client may be eligible for higher borrowing with a 5 or 10 year fixed rate.

    Calculate affordability

  2. Complete a Decision in Principle (DIP)

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

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

    Log into NFI Online

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

Product finder

Use our online product finder to get the right mortgage product for your clients.

Product finder

Affordability criteria

Check our criteria to understand what we may be able to lend, along with top tips on affordability.

Check affordability criteria

Affordability calculator

Use our affordability calculator for a thorough calculation of how much your client can borrow.

Use our affordability calculator