Compare current Nationwide remortgage rates for an existing property. Our comparison shows Nationwide mortgage products available for remortgaging, including fixed and tracker options where available. Check the initial rate, product fees, monthly repayments and total cost before deciding whether to switch. For help reviewing your options, speak to a Go Direct mortgage adviser.
Current Nationwide remortgage 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 remortgage rate with a product fee at 60% LTV is 4.17% with a £999 product fee. Nationwide's lowest current remortgage rate with no product fee at 60% LTV is 4.79%. Rates checked on 5 November 2026.
Showing 10 out of 15 matching Nationwide remortgage rates, correct as of 05/11/2026.
| Lender | Initial Rate | Rate Type | Max LTV | Fees | APRC | Monthly Payment | More Information |
|---|---|---|---|---|---|---|---|
| Lender Nationwide BS | Initial Rate 4.17% then 6.49% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees £999 Product Fee | APRC 6.1% | Monthly Payment £650.17 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.23% then 6.49% variable | Rate Type Tracker for 2 years | Max LTV 75% | Fees £999 Product Fee | APRC 6.3% | Monthly Payment £654.22 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.79% then 6.49% variable | Rate Type Tracker for 2 years | Max LTV 60% | Fees No fee Product Fee | APRC 6.2% | Monthly Payment £686.99 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.99% then 6.49% variable | Rate Type Fixed for 3 years | Max LTV 60% | Fees £999 Product Fee | APRC 6.2% | Monthly Payment £706.73 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 4.99% then 6.49% variable | Rate Type Fixed for 2 years | Max LTV 60% | Fees £999 Product Fee | APRC 6.4% | Monthly Payment £706.73 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 £999 Product Fee | APRC 6% | Monthly Payment £711.67 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 75% | Fees £999 Product Fee | APRC 6.1% | Monthly Payment £719.47 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 5.19% then 6.49% variable | Rate Type Fixed for 2 years | Max LTV 75% | Fees £999 Product Fee | APRC 6.5% | Monthly Payment £720.90 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 5.19% then 6.49% variable | Rate Type Fixed for 3 years | Max LTV 75% | Fees £999 Product Fee | APRC 6.3% | Monthly Payment £720.90 Initial Monthly Payment | More Information More information |
| Lender Nationwide BS | Initial Rate 5.24% then 6.49% variable | Rate Type Fixed for 10 years | Max LTV 60% | Fees £999 Product Fee | APRC 5.7% | Monthly Payment £724.46 Initial Monthly Payment | More Information More information |
Nationwide BS 2 Year Tracker £999 Fee Remortgage Cashback
Mortgage Summary
For the first 2 years the mortgage rate is 4.17% giving you a monthly payment of £650.17 .
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 £805.15 .
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 £15,104.08 , 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 stated in the product name 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
£650.17
Ongoing Monthly Payment
£805.15
True Cost Over Initial Period
£15,104.08
Total Amount Repayable
£237,325.48
Legal costs: Cashback is offered; check the terms and budget for your own conveyancing costs.
Incentives
Cash Back
£500.00
2 Year Tracker £999 Fee Remortgage 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: £650.17
Monthly payment after initial period: £805.15
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: The product fee stated in the product name 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: No
True cost over initial period: £15,104.08
True cost over full mortgage term: £237,325.48
Nationwide BS 2 Year Tracker £999 Fee Remortgage Free Legals
Mortgage Summary
For the first 2 years the mortgage rate is 4.23% giving you a monthly payment of £654.22 .
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 £805.48 .
The maximum Loan to Value (LTV) is 75% 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 £15,701.28 , 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 stated in the product name 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
£654.22
Ongoing Monthly Payment
£805.48
True Cost Over Initial Period
£15,701.28
Total Amount Repayable
£238,013.76
Legal incentive: Free legals are indicated for this product, subject to the lender's conveyancing terms.
2 Year Tracker £999 Fee Remortgage Free Legals - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 4.23%
Initial rate period: 2 years
Initial monthly payment: £654.22
Monthly payment after initial period: £805.48
Standard Variable Rate: 6.49%
Maximum LTV: 75%
Product fee: The product fee stated in the product name 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: No
True cost over initial period: £15,701.28
True cost over full mortgage term: £238,013.76
Nationwide BS 2 Year Tracker No Fee Remortgage Free Legals
Mortgage Summary
For the first 2 years the mortgage rate is 4.79% giving you a monthly payment of £686.99 .
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 £801.75 .
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 £16,487.76 , 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
£686.99
Ongoing Monthly Payment
£801.75
True Cost Over Initial Period
£16,487.76
Total Amount Repayable
£237,770.76
Legal incentive: Free legals are indicated for this product, subject to the lender's conveyancing terms.
2 Year Tracker No Fee Remortgage Free Legals - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Tracker
Initial rate: 4.79%
Initial rate period: 2 years
Initial monthly payment: £686.99
Monthly payment after initial period: £801.75
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: 6.2%
Early repayment charge: No
True cost over initial period: £16,487.76
True cost over full mortgage term: £237,770.76
Nationwide BS 3 Year Fixed £999 Fee Remortgage Cashback
Mortgage Summary
For the first 3 years the mortgage rate is 4.99% giving you a monthly payment of £706.73 .
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 £805.85 .
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 £24,942.28 , 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 stated in the product name 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
£706.73
Ongoing Monthly Payment
£805.85
True Cost Over Initial Period
£24,942.28
Total Amount Repayable
£237,686.68
Legal costs: Cashback is offered; check the terms and budget for your own conveyancing costs.
Incentives
Cash Back
£500.00
3 Year Fixed £999 Fee Remortgage Cashback - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.99%
Initial rate period: 3 years
Initial monthly payment: £706.73
Monthly payment after initial period: £805.85
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: The product fee stated in the product name 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%
Cashback: £500.00
Early repayment charge: 3 years
True cost over initial period: £24,942.28
True cost over full mortgage term: £237,686.68
Nationwide BS 2 Year Fixed £999 Fee Remortgage Free Legals
Mortgage Summary
For the first 2 years the mortgage rate is 4.99% giving you a monthly payment of £706.73 .
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 £809.43 .
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 £16,961.52 , 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 stated in the product name 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 | 2 years |
Repayments
Initial Monthly Payment
£706.73
Ongoing Monthly Payment
£809.43
True Cost Over Initial Period
£16,961.52
Total Amount Repayable
£240,364.20
Legal incentive: Free legals are indicated for this product, subject to the lender's conveyancing terms.
2 Year Fixed £999 Fee Remortgage Free Legals - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 4.99%
Initial rate period: 2 years
Initial monthly payment: £706.73
Monthly payment after initial period: £809.43
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: The product fee stated in the product name 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: 6.4%
Early repayment charge: 2 years
True cost over initial period: £16,961.52
True cost over full mortgage term: £240,364.20
Nationwide BS 5 Year Fixed £999 Fee Remortgage Free Legals
Mortgage Summary
For the first 5 years the mortgage rate is 5.06% giving you a monthly payment of £711.67 .
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 £799.34 .
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 £42,700.20 , 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 stated in the product name 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
£711.67
Ongoing Monthly Payment
£799.34
True Cost Over Initial Period
£42,700.20
Total Amount Repayable
£234,541.80
Legal incentive: Free legals are indicated for this product, subject to the lender's conveyancing terms.
5 Year Fixed £999 Fee Remortgage Free Legals - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 5.06%
Initial rate period: 5 years
Initial monthly payment: £711.67
Monthly payment after initial period: £799.34
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: The product fee stated in the product name 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: £42,700.20
True cost over full mortgage term: £234,541.80
Nationwide BS 5 Year Fixed £999 Fee Remortgage Free Legals
Mortgage Summary
For the first 5 years the mortgage rate is 5.17% giving you a monthly payment of £719.47 .
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 £800.73 .
The maximum Loan to Value (LTV) is 75% 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 £43,168.20 , 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 stated in the product name 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
£719.47
Ongoing Monthly Payment
£800.73
True Cost Over Initial Period
£43,168.20
Total Amount Repayable
£235,343.40
Legal incentive: Free legals are indicated for this product, subject to the lender's conveyancing terms.
5 Year Fixed £999 Fee Remortgage Free Legals - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 5.17%
Initial rate period: 5 years
Initial monthly payment: £719.47
Monthly payment after initial period: £800.73
Standard Variable Rate: 6.49%
Maximum LTV: 75%
Product fee: The product fee stated in the product name 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%
Early repayment charge: 5 years
True cost over initial period: £43,168.20
True cost over full mortgage term: £235,343.40
Nationwide BS 2 Year Fixed £999 Fee Remortgage Cashback
Mortgage Summary
For the first 2 years the mortgage rate is 5.19% giving you a monthly payment of £720.90 .
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 £810.42 .
The maximum Loan to Value (LTV) is 75% 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 £16,801.60 , 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 stated in the product name 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 | 2 years |
Repayments
Initial Monthly Payment
£720.90
Ongoing Monthly Payment
£810.42
True Cost Over Initial Period
£16,801.60
Total Amount Repayable
£240,477.52
Legal costs: Cashback is offered; check the terms and budget for your own conveyancing costs.
Incentives
Cash Back
£500.00
2 Year Fixed £999 Fee Remortgage Cashback - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 5.19%
Initial rate period: 2 years
Initial monthly payment: £720.90
Monthly payment after initial period: £810.42
Standard Variable Rate: 6.49%
Maximum LTV: 75%
Product fee: The product fee stated in the product name 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: 6.5%
Cashback: £500.00
Early repayment charge: 2 years
True cost over initial period: £16,801.60
True cost over full mortgage term: £240,477.52
Nationwide BS 3 Year Fixed £999 Fee Remortgage Cashback
Mortgage Summary
For the first 3 years the mortgage rate is 5.19% giving you a monthly payment of £720.90 .
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 £807.35 .
The maximum Loan to Value (LTV) is 75% 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 £25,452.40 , 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 stated in the product name 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
£720.90
Ongoing Monthly Payment
£807.35
True Cost Over Initial Period
£25,452.40
Total Amount Repayable
£238,592.80
Legal costs: Cashback is offered; check the terms and budget for your own conveyancing costs.
Incentives
Cash Back
£500.00
3 Year Fixed £999 Fee Remortgage Cashback - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 5.19%
Initial rate period: 3 years
Initial monthly payment: £720.90
Monthly payment after initial period: £807.35
Standard Variable Rate: 6.49%
Maximum LTV: 75%
Product fee: The product fee stated in the product name 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: £25,452.40
True cost over full mortgage term: £238,592.80
Nationwide BS 10 Year Fixed £999 Fee Remortgage Free Legals
Mortgage Summary
For the first 10 years the mortgage rate is 5.24% giving you a monthly payment of £724.46 .
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 £785.07 .
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 £86,935.20 , 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 stated in the product name 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 | 10 years |
Repayments
Initial Monthly Payment
£724.46
Ongoing Monthly Payment
£785.07
True Cost Over Initial Period
£86,935.20
Total Amount Repayable
£228,247.80
Legal incentive: Free legals are indicated for this product, subject to the lender's conveyancing terms.
10 Year Fixed £999 Fee Remortgage Free Legals - Mortgage Details
Lender: Nationwide BS
Mortgage type: Residential Mortgage
Rate type: Fixed
Initial rate: 5.24%
Initial rate period: 10 years
Initial monthly payment: £724.46
Monthly payment after initial period: £785.07
Standard Variable Rate: 6.49%
Maximum LTV: 60%
Product fee: The product fee stated in the product name 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: 5.7%
Early repayment charge: 10 years
True cost over initial period: £86,935.20
True cost over full mortgage term: £228,247.80
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 £120,000 loan over 25 years equating to 300 monthly payments. Best buys are based on the Go Direct representative whole of market panel of lenders.
Before switching your mortgage to Nationwide, check the lending criteria and whether a new mortgage is suitable for your circumstances. Nationwide considers factors such as your income, credit history, property value and existing borrowing. Our Nationwide mortgage criteria guide explains the key lending requirements and what to consider before applying. The availability of a particular rate will depend on your circumstances and the lender's assessment.
If you are looking to switch your existing mortgage, compare Nationwide 2 year fixed mortgage rates, Nationwide 3 year fixed mortgage rates or Nationwide 5 year fixed mortgage rates for different periods of payment certainty. Alternatively, explore Nationwide tracker mortgage rates, or see the full range of current Nationwide mortgage rates. The linked fixed-rate and tracker pages show purchase mortgage comparisons, so available remortgage products and eligibility may differ.
If your current mortgage deal is ending, or you are considering switching lenders, Go Direct can help you compare the available options. We normally do not charge a fee for mortgage advice; this depends on your circumstances, such as complex cases or debt consolidation, for which our typical fee would be £399. Request remortgage advice.
The above information does not contain all the details you need to choose a mortgage. Please consult one of our qualified mortgage brokers before undertaking any borrowing/these calculations are for illustration purposes only and may not reflect the true cost of repayment you may make.
