Our Nationwide Mortgage Rate Tables allows you to access the complete Nationwide mortgage product range, you can also click on the link to visit the Nationwide's website to confirm their mortgage lending policy. Our mortgage calculator is updated daily and can help you compare the major mortgage lenders mortgage products. We also offer No Fee mortgage broker advice on the Nationwide mortgage range.
Current Nationwide mortgage rates based on a property value of £200,000 and a mortgage of £120,000 . This represents a 60% LTV repayment mortgage.
Nationwide's lowest current 2 year fixed mortgage rate at 60% LTV is 4.98%, while its lowest current 5 year fixed mortgage rate is 4.94%. Nationwide's current Standard Variable Rate is 6.49%, with rates checked on 21 September 2026.
Showing 10 out of 14 matching Nationwide mortgage rates, correct as of 21/09/2026.
| Lender | Initial Rate | Rate Type | Max LTV | Fees | APRC | Monthly Payment | More Information |
|---|---|---|---|---|---|---|---|
| Lender Nationwide BS | Initial Rate 4.09% then 6.49% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.2% | Monthly Payment £639.38 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.17% then 6.49% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.3% | Monthly Payment £644.72 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.74% then 6.49% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees No fee Product Fee | APRC 6.3% | Monthly Payment £683.45 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.84% then 6.49% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees No fee Product Fee | APRC 6.3% | Monthly Payment £690.37 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.94% then 6.49% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6% | Monthly Payment £697.32 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.98% then 6.49% variable | Rate Type Fixed for 3 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.3% | Monthly Payment £700.11 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 5.03% then 6.49% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.1% | Monthly Payment £703.61 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 5.06% then 6.49% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees No fee Product Fee | APRC 6% | Monthly Payment £705.71 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 5.09% then 6.49% variable | Rate Type Fixed for 3 years | Max LTV 60% | Fees £999.00 Product Fee | APRC 6.3% | Monthly Payment £707.81 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 5.17% then 6.49% variable | Rate Type Fixed for 5 years | Max LTV 60% | Fees No fee Product Fee | APRC 6.1% | Monthly Payment £713.44 Initial Monthly Payment | More Information More information |
Nationwide BS 2 Year Tracker £999 Fee
Mortgage Summary
For the first 2 years the mortgage rate is 4.09% giving you a monthly payment of £639.38 .
After your tracker rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £797.97 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £16,359.12 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | No |
Repayments
Initial Monthly Payment
£639.38
Ongoing Monthly Payment
£797.97
True Cost Over Initial Period
£16,359.12
Total Amount Repayable
£236,598.84
2 Year Tracker £999 Fee - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 4.09%
Initial rate period: 2 years
Initial monthly payment: £639.38
Monthly payment after initial period: £797.97
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: Free valuation
Total fees: £1,014.00
APR: 6.2%
Early repayment charge: No
True cost over initial period: £16,359.12
True cost over full mortgage term: £236,598.84
Nationwide BS FTB 2 Year Tracker £999 Fee Cashback
Mortgage Summary
For the first 2 years the mortgage rate is 4.17% giving you a monthly payment of £644.72 .
After your tracker rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £798.41 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £15,987.28 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | No |
Repayments
Initial Monthly Payment
£644.72
Ongoing Monthly Payment
£798.41
True Cost Over Initial Period
£15,987.28
Total Amount Repayable
£236,348.44
Incentives
Cash Back
£500.00
FTB 2 Year Tracker £999 Fee Cashback - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 4.17%
Initial rate period: 2 years
Initial monthly payment: £644.72
Monthly payment after initial period: £798.41
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: Free valuation
Total fees: £1,014.00
APR: 6.3%
Cashback: £500.00
Early repayment charge: No
True cost over initial period: £15,987.28
True cost over full mortgage term: £236,348.44
Nationwide BS 2 Year Tracker No Fee Purchase
Mortgage Summary
For the first 2 years the mortgage rate is 4.74% giving you a monthly payment of £683.45 .
After your tracker rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £801.39 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £16,417.80 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | No product fee is shown for this mortgage. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £0.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £15.00 |
| Early Repayment Charge | No |
Repayments
Initial Monthly Payment
£683.45
Ongoing Monthly Payment
£801.39
True Cost Over Initial Period
£16,417.80
Total Amount Repayable
£237,601.44
2 Year Tracker No Fee Purchase - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 4.74%
Initial rate period: 2 years
Initial monthly payment: £683.45
Monthly payment after initial period: £801.39
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: No product fee is shown for this mortgage.
Arrangement fee: £0.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: Free valuation
Total fees: £15.00
APR: 6.3%
Early repayment charge: No
True cost over initial period: £16,417.80
True cost over full mortgage term: £237,601.44
Nationwide BS FTB 2 Year Tracker No Fee Cashback
Mortgage Summary
For the first 2 years the mortgage rate is 4.84% giving you a monthly payment of £690.37 .
After your tracker rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £801.90 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £16,083.88 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | No product fee is shown for this mortgage. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £0.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £15.00 |
| Early Repayment Charge | No |
Repayments
Initial Monthly Payment
£690.37
Ongoing Monthly Payment
£801.90
True Cost Over Initial Period
£16,083.88
Total Amount Repayable
£237,408.28
Incentives
Cash Back
£500.00
FTB 2 Year Tracker No Fee Cashback - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 4.84%
Initial rate period: 2 years
Initial monthly payment: £690.37
Monthly payment after initial period: £801.90
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: No product fee is shown for this mortgage.
Arrangement fee: £0.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: Free valuation
Total fees: £15.00
APR: 6.3%
Cashback: £500.00
Early repayment charge: No
True cost over initial period: £16,083.88
True cost over full mortgage term: £237,408.28
Nationwide BS 5 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 4.94% giving you a monthly payment of £697.32 .
After your fixed rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £791.13 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £42,853.20 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | 5 years |
Repayments
Initial Monthly Payment
£697.32
Ongoing Monthly Payment
£791.13
True Cost Over Initial Period
£42,853.20
Total Amount Repayable
£232,724.40
5 Year Fixed £999 Fee Purchase - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.94%
Initial rate period: 5 years
Initial monthly payment: £697.32
Monthly payment after initial period: £791.13
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: Free valuation
Total fees: £1,014.00
APR: 6%
Early repayment charge: 5 years
True cost over initial period: £42,853.20
True cost over full mortgage term: £232,724.40
Nationwide BS 3 Year Fixed £999 Fee Purchase
Mortgage Summary
For the first 3 years the mortgage rate is 4.98% giving you a monthly payment of £700.11 .
After your fixed rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £799.03 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £26,217.96 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | 3 years |
Repayments
Initial Monthly Payment
£700.11
Ongoing Monthly Payment
£799.03
True Cost Over Initial Period
£26,217.96
Total Amount Repayable
£237,161.88
3 Year Fixed £999 Fee Purchase - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.98%
Initial rate period: 3 years
Initial monthly payment: £700.11
Monthly payment after initial period: £799.03
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: Free valuation
Total fees: £1,014.00
APR: 6.3%
Early repayment charge: 3 years
True cost over initial period: £26,217.96
True cost over full mortgage term: £237,161.88
Nationwide BS FTB Helping Hand 5 Year Fixed £999 Fee Cashback
Mortgage Summary
For the first 5 years the mortgage rate is 5.03% giving you a monthly payment of £703.61 .
After your fixed rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £792.27 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £42,730.60 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | 5 years |
Repayments
Initial Monthly Payment
£703.61
Ongoing Monthly Payment
£792.27
True Cost Over Initial Period
£42,730.60
Total Amount Repayable
£232,875.40
Incentives
Cash Back
£500.00
FTB Helping Hand 5 Year Fixed £999 Fee Cashback - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 5.03%
Initial rate period: 5 years
Initial monthly payment: £703.61
Monthly payment after initial period: £792.27
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: Free valuation
Total fees: £1,014.00
APR: 6.1%
Cashback: £500.00
Early repayment charge: 5 years
True cost over initial period: £42,730.60
True cost over full mortgage term: £232,875.40
Nationwide BS 5 Year Fixed No Fee Purchase
Mortgage Summary
For the first 5 years the mortgage rate is 5.06% giving you a monthly payment of £705.71 .
After your fixed rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £792.65 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £42,357.60 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | No product fee is shown for this mortgage. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £0.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £15.00 |
| Early Repayment Charge | 5 years |
Repayments
Initial Monthly Payment
£705.71
Ongoing Monthly Payment
£792.65
True Cost Over Initial Period
£42,357.60
Total Amount Repayable
£232,593.60
5 Year Fixed No Fee Purchase - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 5.06%
Initial rate period: 5 years
Initial monthly payment: £705.71
Monthly payment after initial period: £792.65
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: No product fee is shown for this mortgage.
Arrangement fee: £0.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: Free valuation
Total fees: £15.00
APR: 6%
Early repayment charge: 5 years
True cost over initial period: £42,357.60
True cost over full mortgage term: £232,593.60
Nationwide BS FTB 3 Year Fixed £999 Fee Cashback
Mortgage Summary
For the first 3 years the mortgage rate is 5.09% giving you a monthly payment of £707.81 .
After your fixed rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £799.85 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £25,995.16 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | The product fee shown for this mortgage is £999.00. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £999.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £1,014.00 |
| Early Repayment Charge | 3 years |
Repayments
Initial Monthly Payment
£707.81
Ongoing Monthly Payment
£799.85
True Cost Over Initial Period
£25,995.16
Total Amount Repayable
£237,155.56
Incentives
Cash Back
£500.00
FTB 3 Year Fixed £999 Fee Cashback - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 5.09%
Initial rate period: 3 years
Initial monthly payment: £707.81
Monthly payment after initial period: £799.85
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: The product fee shown for this mortgage is £999.00.
Arrangement fee: £999.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: Free valuation
Total fees: £1,014.00
APR: 6.3%
Cashback: £500.00
Early repayment charge: 3 years
True cost over initial period: £25,995.16
True cost over full mortgage term: £237,155.56
Nationwide BS FTB Helping Hand 5 Year Fixed No Fee Cashback
Mortgage Summary
For the first 5 years the mortgage rate is 5.17% giving you a monthly payment of £713.44 .
After your fixed rate ends, you will move to the Nationwide BS standard variable rate which is currently 6.49% . This would give you a monthly repayment of £794.02 .
The maximum Loan to Value (LTV) is 60% for this mortgage. Your LTV is 60% based on the figures you have entered.
The true cost of this mortgage over the initial period is £42,321.40 , this includes all fees and payments. This is a good way to compare mortgages of the same initial period.
Fee Breakdown
| Product Fee | No product fee is shown for this mortgage. |
|---|---|
| Booking Fee | £0.00 |
| Arrangement Fee | £0.00 |
| Telegraphic Transfer Fee | £15.00 |
| Valuation Fee | Free valuation |
| Total Fees | £15.00 |
| Early Repayment Charge | 5 years |
Repayments
Initial Monthly Payment
£713.44
Ongoing Monthly Payment
£794.02
True Cost Over Initial Period
£42,321.40
Total Amount Repayable
£232,886.20
Incentives
Cash Back
£500.00
FTB Helping Hand 5 Year Fixed No Fee Cashback - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 5.17%
Initial rate period: 5 years
Initial monthly payment: £713.44
Monthly payment after initial period: £794.02
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: No product fee is shown for this mortgage.
Arrangement fee: £0.00
Booking fee: £0.00
Telegraphic transfer fee: £15.00
Valuation fee: Free valuation
Total fees: £15.00
APR: 6.1%
Cashback: £500.00
Early repayment charge: 5 years
True cost over initial period: £42,321.40
True cost over full mortgage term: £232,886.20
Your home may be repossessed if you do not keep up repayments on your mortgage
The APRC quoted is representative and for example purposes, it is based on a £200,000 property with a £100,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct representative whole of market panel of lenders.
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