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  • Existing Customer Switching Mortgages | Nationwide
    Travel Information Lost or stolen card Unusual activity on my account View all Emergency help Product support Product support Product support homepage Current Accounts Savings ISAs Mortgages View all Product support Ways to bank with us Ways to bank with us Ways to bank with us homepage Internet Banking Mobile Banking Telephone Banking View all Ways to bank with us Travel Travel Travel homepage Fees and charges Emergency numbers Travel insurance FAQs View all Travel Contact us Contact us Contact us homepage Send us a message Call us Make a complaint View all Contact us Dealing with difficulties Dealing with difficulties Dealing with difficulties homepage Money worries Bereavement Power of Attorney View all Dealing with difficulties Security centre Security centre Security centre homepage Internet Banking security Mobile Banking security Fraud awareness View all Security centre Accessibility Accessibility Accessibility homepage Web accessibility Branch accessibility Setting up your browser View all Accessibility Can t find what you re looking for Ways to contact us Find your nearest branch Contact Us Branch Finder Register for Internet Banking Search Select this to show hide the search box Search Search this site Search Log in menu Select this to reveal panel with log in and registration links for Internet Banking Internet Banking Log in Log in or register for Internet Banking Help and demos Security Centre See more All services are operating normally MySave Online Savings Investor Portfolio Service IPS Legal and General MyAccount Personal Finance Portal Skip over secondary navigation to main content Current accounts Savings ISAs Investments Financial planning Loans Credit cards Mortgages Insurance Home Products Mortgages In this section Overview First Time Buyers Moving home Borrowing more Remortgage to us Existing customer switching your deal More Mortgages Switch to a new mortgage deal Get the best rates on your next Nationwide mortgage Main content of page below What we can offer Our mortgage rates Rewarding loyalty Mortgage calculators Help and guides How to Apply What we can offer Existing customer switching deal what we can offer If you re looking to switch your existing deal as well as offering our existing Nationwide mortgage customers our lowest rates as part of our Loyalty Rate Mortgages initiative we ll shop the high street so you don t have to How we can help Are you looking to take a new mortgage deal If you re currently on our Base Mortgage Rate BMR or Standard Mortgage Rate SMR we have a range of switching deals for you View mortgage rates Are you looking to take a new mortgage deal Is your existing deal coming to an end You could switch to a new rate if you re within 3 months of the end of your fixed or tracker deal View mortgage rates Is your existing deal coming to an end Are you looking to switch to a fixed rate If you have a tracker mortgage with us reserved on or after 10 01 2006 you could switch to one of our fixed rate deals View

    Original URL path: http://www.nationwide.co.uk/products/mortgages/existing-customer-switching/what-we-can-offer (2016-02-09)
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  • Our Best Mortgage Switching Rates | Nationwide
    you could save by switching to Nationwide You might be able to save money by switching your current deal or remortgaging to us To find out just enter the interest rate or the amount you currently pay each month and we ll show you the potential annual saving you could make during the deal period What s your current mortgage interest rate OR What s your current monthly repayment Search for a mortgage THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE Committed to helping First Time Buyers get on the property ladder Every 3 minutes we help someone buy their first home We offer our best rates to existing mortgage customers like you Rewarding your loyalty with a range of great deals For new customers moving home A range of great deals to help get you moving Looking to remortgage to save money When you remortgage to us we offer free standard legal fees or 250 cashback as well as free standard valuation fees We offer our best rates to existing mortgage customers like you Rewarding your loyalty with a range of great deals Switch to a fixed rate with no Early Repayment Charge Protect against interest rate rises by fixing your monthly payment We offer our best rates to existing mortgage customers like you Rewarding your loyalty with a range of great deals We ve found mortgages for you Too many to choose from You can refine your search below Deal period 2 years 3 years 5 years 10 years Mortgage type Fixed rate Tracker rate Product fee Product fee No product fee mortgages found Mortgage rates table Mortgage Mortgage This is how long the initial rate will apply to your mortgage and the type of mortgage Initial rate Initial rate This is the rate you pay during the deal period Followed by our SMR Followed by our SMR The Standard Mortgage Rate SMR is the variable rate your loan will move onto when the deal period ends Overall cost for comparison The overall cost for comparison This is the Annual Percentage Rate APR which can be used to compare the total costs of different mortgage deals Fees Fees Fees A product fee may be payable A no product fee option may result in a higher interest rate over the deal period The product fee can be paid when you apply or added to the loan If added to the loan interest will be charged on the product fee over the mortgage term Monthly payment Monthly payment The monthly payment is for illustration purposes only It s based on the initial rate during the deal period and on a capital and interest repayment method It doesn t take into account any fees or charges payable for changing your mortgage or the interest rate you will move onto at the end of your deal period Potential annual saving Potential annual saving The potential annual cost saving is for illustration purposes only It s based on the initial rate during the deal period and on a capital and interest repayment method It doesn t take into account any fees or charges for changing your mortgage or the interest rate you will move onto at the end of your deal period Mortgage features Mortgage features Mortgage features Key features of the mortgage product Compare selected No mortgages were found matching your search criteria Please call us on 0800 111 44 10 open 8am 8pm Mon Fri 9am 5pm Sat Sun or visit your local branch to discuss your options with one of our mortgage consultants OK Information OK Searching our range of mortgages Updating results Hide overlay Compare up to three mortgages Mortgage rates comparison Committed to helping First Time Buyers get on the property ladder Every 3 minutes we help someone buy their first home We offer our best rates to existing mortgage customers like you Rewarding your loyalty with a range of great deals For new customers moving home A range of great deals to help get you moving Looking to remortgage to save money When you remortgage to us we offer free standard legal fees or 250 cashback as well as free standard valuation fees We offer our best rates to existing mortgage customers like you Rewarding your loyalty with a range of great deals Switch to a fixed rate with no Early Repayment Charge Protect against interest rate rises by fixing your monthly payment We offer our best rates to existing mortgage customers like you Rewarding your loyalty with a range of great deals We have mortgages matching your search Too many to choose from You can refine your search below Deal period 2 years 3 years 5 years 10 years Mortgage type Fixed rate Tracker rate Product fee Product fee No product fee THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE mortgages found Mortgage results Mortgage rates table Mortgage Mortgage This is how long the initial rate will apply to your mortgage and the type of mortgage Initial rate Initial rate This is the rate you pay during the deal period Followed by our SMR Followed by our SMR The Standard Mortgage Rate SMR is the variable rate your loan will move onto when the deal period ends Overall cost for comparison The overall cost for comparison This is the Annual Percentage Rate APR which can be used to compare the total costs of different mortgage deals Fees Fees Fees A product fee may be payable A no product fee option may result in a higher interest rate over the deal period The product fee can be paid when you apply or added to the loan If added to the loan interest will be charged on the product fee over the mortgage term Max Loan to Value Max Loan to Value This is the amount

    Original URL path: http://www.nationwide.co.uk/products/mortgages/existing-customer-switching/mortgage-rates (2016-02-09)
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  • Switching Mortgages Special Offers Online | Nationwide
    Main content of page below What we can offer Our mortgage rates Rewarding loyalty Mortgage calculators Help and guides How to Apply What we can offer Our mortgage rates Rewarding loyalty Rewarding you with Loyalty Rate Mortgages As an existing Nationwide mortgage customer if you choose to switch to a new deal with us you ll always be offered our best rates and with our Loyalty Rate Mortgages initiative we ll beat the high street too Each and every week we check the remortgage rates on offer from Barclays Woolwich Halifax HSBC Lloyds NatWest RBS and Santander then we beat them Terms and conditions apply see below How we compare products Product fees Competitor products with a fee of up to and including 100 will be assessed against our 0 fee products Competitor products with fees between 101 and 1 000 will be assessed against our 999 fee products Competitor products with fees in excess of 1000 will not be considered The Loan to Value LTV Competitor products will be assessed against comparable Loan to Value LTV tier products E g products with a LTV between 60 and 70 will be assessed against our 70 LTV products Initial rate Your initial rate will be offered based on the initial rate of a competitor s remortgage product and will be beaten by at least 0 01 Mortgage duration and type Competitor products will be assessed against comparable terms E g 2 year fixed against 2 year fixed When looking at your mortgage options remember there s more to a mortgage than just the initial rates so before switching you should consider any features that are important to you in a new mortgage product Terms and conditions FAQs Terms and conditions Timescales This initiative can be withdrawn at any time and without notice Competitor products will be assessed every Friday and the new Nationwide existing customer switcher products will be launched in the following week If a Friday coincides with a Bank Holiday the assessment will be on the following Monday or the next working day if that is Bank Holiday and any new products will be launched that week Nationwide will assess its existing customer switcher products weekly to ensure that they are below our competitors remortgage rates Product assessment Products will only be considered from the following lenders Santander Lloyds Halifax HSBC NatWest RBS Barclays Woolwich No subsidiaries will be included within this These lenders are fixed for the year and will be reviewed on an annual basis each September This initiative will only be available to all existing mortgage customers looking to switch their deal for the same loan amount Competitor remortgage products will be beaten by at least 0 01 To qualify for Loyalty Rate Mortgages mortgages have to be like for like i e have the same product term and comparable arrangement product booking application fee We will consider published on sale products available through the lenders retail channels with no barriers for entry based on product

    Original URL path: http://www.nationwide.co.uk/products/mortgages/existing-customer-switching/special-offers (2016-02-09)
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  • Switching Mortgage Calculator Online | Nationwide
    contact us Find your nearest branch About We re the world s largest building society Run for the benefit of our members Being a building society means that we re free to reinvest our profits to improve the products and services we offer About Nationwide About View all about Why choose Nationwide Why choose Nationwide Why choose Nationwide homepage All about membership Citizenship Awards and achievements View all Why choose Nationwide Have your say Have your say Have your say homepage Member TalkBacks Annual General Meeting Social media View all Have your say Corporate information Corporate information Corporate information homepage Governance Our history Results and accounts View all Corporate information Your Nationwide Your Nationwide Your Nationwide homepage Your rewards Your voice Your society View all Your Nationwide Media Policy and Legal Media Policy and Legal Media Policy and Legal homepage Media Centre Policy and Public Affairs Information for Lawyers View all Media Policy and Legal House Price Index House Price Index House Price Index homepage House Price calculator Reports archive Download data View all House Price Index Investor relations Investor relations Investor relations homepage About the business Funding programmes Investor queries View all Investor relations Our people Our people Our people homepage Working for us Jobs at Nationwide Graduate programmes View all Our people Can t find what you re looking for Ways to contact us Find your nearest branch Support We re here to help whether you need assistance with one of your accounts or if you just have questions you d like answered View all support Support View all support Emergency help Emergency help Emergency help homepage Important Travel Information Lost or stolen card Unusual activity on my account View all Emergency help Product support Product support Product support homepage Current Accounts Savings ISAs Mortgages View all Product support Ways to bank with us Ways to bank with us Ways to bank with us homepage Internet Banking Mobile Banking Telephone Banking View all Ways to bank with us Travel Travel Travel homepage Fees and charges Emergency numbers Travel insurance FAQs View all Travel Contact us Contact us Contact us homepage Send us a message Call us Make a complaint View all Contact us Dealing with difficulties Dealing with difficulties Dealing with difficulties homepage Money worries Bereavement Power of Attorney View all Dealing with difficulties Security centre Security centre Security centre homepage Internet Banking security Mobile Banking security Fraud awareness View all Security centre Accessibility Accessibility Accessibility homepage Web accessibility Branch accessibility Setting up your browser View all Accessibility Can t find what you re looking for Ways to contact us Find your nearest branch Contact Us Branch Finder Register for Internet Banking Search Select this to show hide the search box Search Search this site Search Log in menu Select this to reveal panel with log in and registration links for Internet Banking Internet Banking Log in Log in or register for Internet Banking Help and demos Security Centre See more All services are operating normally MySave Online

    Original URL path: http://www.nationwide.co.uk/products/mortgages/existing-customer-switching/mortgage-calculators (2016-02-09)
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  • Switching Mortgages Help & Guides | Nationwide
    Standard and Base Mortgage Rates When you reach the end of a fixed or tracker deal you will automatically move onto either our Base Mortgage Rate BMR or Standard Mortgage Rate SMR depending on when you reserved your original fixed or tracker deal If you reserved your fixed or tracker product through Nationwide on or before 29 April 2009 through Derbyshire on or before 30 May 2009 or through Cheshire on or before the 14 June 2009 you ll move on to the Nationwide BMR If you reserved your product after those dates you ll automatically move on to the Nationwide SMR Both are variable rates which we may vary in accordance with our mortgage terms and conditions The BMR is guaranteed to be no more than 2 above the Bank of England Base Rate whilst the SMR has no upper limit or cap If you choose to switch from our BMR to a new product it isn t possible to switch back to our BMR at a later date Further details of our BMR and SMR can be found in the table below Standard and Base Mortgage Rates BMR SMR Rate currently 2 50 3 99 Applies to fixed or tracker deals reserved On or before 29 April 2009 Nationwide mortgages On or before 30 May 2009 Derbyshire mortgages On or before 14 June 2009 Cheshire mortgages On or after 30 April 2009 Nationwide mortgages On or after 31 May 2009 Derbyshire mortgages On or after 15 June 2009 Cheshire mortgages Upper limit or cap Guaranteed not to be more than 2 above Bank of England base rate None Flexible features Unlimited overpayments Unlimited overpayments You may also be interested in View your mortgage online If you re registered for Internet Banking then you can view your current mortgage statement at any time night or day Making overpayments Want to make overpayments change your repayment basis or find out more about fees and charges Whatever your question our support section has been designed to get you straight to the information you need All Nationwide mortgages are offered on a repayment basis This means that if you continue to meet your payments and pay on time your mortgage will be paid off in full at the end of the mortgage term You repay both the interest and a small percentage of the borrowed capital each month Your mortgage will be paid off in full at the end of the mortgage term if you continue to meet your payments and pay on time There is no need for additional repayment plans Daily interest This means that if you continue to meet your payments and pay on time your mortgage will be paid off in full at the end of the mortgage term Interest only basis Nationwide no longer offers new mortgages on an Interest only or part and part basis If you are an existing customer with an Interest Only element to your mortgage please contact us to discuss your borrowing requirements You may also be interested in Making overpayments Want to make overpayments change your repayment basis or find out more about fees and charges Whatever your question our support section has been designed to get you straight to the information you need Our range of Mortgage Guides Our guides offer helpful information on buying or remortgaging a home budgeting moving house and much more Glossary of mortgage terms The words and phrases often used in the mortgage market or house buying process can often be full of jargon and sometimes complicated We ve listed out the most common ones in our mortgage glossary to help provide clearer definitions Show all expandable content Hide all expandable content A select to show or hide related content Accessibility Accessibility is the degree to which a product device service or environment is available to as many people as possible We are committed to ensuring that all our products and services are easily and equally accessible to all our members enabling disabled people to conduct their business with us without difficulty Additional Borrowing Sometimes called a further advance This is the term used when an existing mortgage customer wishes to increase their mortgage borrowing which can be done 6 months after the main mortgage loan has completed Additional borrowing is often used to fund home improvements but can be taken for any purpose except capital raising Add fee to loan You can add the product fee to the loan and spread the cost over the remaining term of the mortgage Advice A recommendation to enter into or vary the terms of an existing mortgage based on your individual needs and circumstances Agreement in principle An initial document from your lender that gives you an idea of the amount they are likely to lend you This certificate is not a guarantee but is often needed when dealing with estate agents so they have an idea of the size of your mortgage and if you can afford the property Also known as a lending decision or decision in principle Annual Equivalent Rate AER AER stands for Annual Equivalent Rate and shows what the interest rate would be if interest was paid and compounded once a year Arrangement This is a temporary agreement for those who have previously had payment difficulties allowing you to pay more than the normal monthly payment This allows you to pay arrears or the shortfall that arose during a period when you were making concessionary payments without incurring any charge for overpayments which might otherwise arise under the terms of an early repayment charge B select to show or hide related content Bank of England Responsible for issuing bank notes and maintaining a stable financial economy the Government bank and also a lender for commercial banks Banker s draft also known as a counter draft A cheque drawn on the bank or building society itself against either a cash deposit or money taken directly from your own bank account A banker s draft is a secure way of receiving money from someone you don t know and where cash is inconvenient Banker s drafts are commonly used for large purchases such as homes and cars Base rate The interest rate set by the Bank of England Monetary Policy Committee which is used as a benchmark by lenders to set their own rates which would generally be higher This is reviewed each month throughout the year and can fluctuate go up and down Base Mortgage Rate A variable rate guaranteed to be no more than 2 percent above the Bank of England base rate You have the flexibility to make overpayments without incurring an early repayment charge The Base Mortgage Rate is not available for new mortgage deals and only applies to customers coming to the end of their deal where the product was reserved on or before the 29 April 2009 If you choose to switch to a new Nationwide mortgage product the new product will currently revert onto our Standard Mortgage Rate SMR not the Base Mortgage Rate BMR The SMR has no upper limit or cap and you wouldn t be able to revert to the BMR at a later date Bridging loan A special type of loan which is taken out to overcome a short term cash flow problem usually needed when you buy a property before you sell Borrow Back A feature of a mortgage where any overpayments made may be withdrawn and borrowed back Any overpayments will have already reduced the balance outstanding so when it is borrowed back the balance will increase Interest will be charged on the higher balance and monthly payments will also increase All requests to borrow back overpayments are subject to an eligibility assessment and current lending criteria Consent from all applicants is required Not all of our products have the borrow back feature for example Consumer Credit Act 1974 regulated accounts do not benefit from this feature All mortgages reserved on or before 3rd March 2010 include the option to borrow back subject to eligibility Any mortgages reserved after this date do not include this facility Buildings insurance This is insurance cover for a building which pays out an insured amount in the event of a claim for an insurable event under the policy terms such as fire flood and wind In most cases buildings insurance is needed as part of a mortgage terms Buy to let mortgage Specific mortgages that are aimed at those that buy property to rent out C select to show or hide related content Capital The amount of money you have actually borrowed or still owe on your property not including interest or other charges Capital Gains Tax A Capital Gains Tax is a tax on the gain or profit you make when you sell give away or otherwise dispose of something It applies to assets that you own such as shares or property There s a tax free allowance and some additional reliefs that may reduce your Capital Gains Tax bill Sometimes you may have no tax to pay Capital and Interest mortgage Where you pay off part of the capital amount borrowed as well as interest each month as opposed to interest only This usually means that everything capital and interest will have been fully paid off by the end of the agreed term Also known as a repayment mortgage Collateral Something of value that is given as a guarantee to the lender that you are able to pay back the loan in the case of mortgages it is the house itself Completion mortgage The final stage of the sale when the ownership changes hands from the seller to the buyer Consent to Let Permission from your mortgage provider will be required if you wish to let rent out your property if your current mortgage is arranged on a residential basis Construction Type The material used to build the wall of the insured property i e brick or other material Contract Variations Varying the terms of an existing mortgage for example reducing extending the term or converting the repayment type Conveyancing The process of transferring ownership from one person to another Credit rating Credit rating is a rating system used by financial institutions to judge an individual or company s creditworthiness Depending on how many points the applicant gets when his her personal details are run through the rating system the financial institution will either accept or reject the risk Financial institutions rely on computerised credit rating systems and co operate with each other in providing details of bad credit risks Credit reference agency Credit reference agencies are organisations that gather information about people and businesses across the UK This information comes from lenders such as banks credit card companies and fraud prevention agencies as well as records in the public domain Credit report Credit report is a report issued by a credit agency usually for a small fee which highlights someone s past purchase behaviour and credit rating Credit scoring Credit scoring is a way of assessing someone s financial status This is used to decide which credit facilities can be offered to customers Credit search A credit search is when we carry out a search with a credit reference agency to help us understand more about your credit history Each time a search is done it is noted on your credit record to let other organisations know that we have asked for information about you D select to show or hide related content Daily Interest Where your interest is calculated daily which means you only pay interest on what you owe Debt Consolidation Taking out one loan to pay off a number of other debts You may be able to spread the loan over a longer period which may reduce your monthly payment but by increasing the term you may pay more interest overall It may be possible to increase your mortgage or personal loan to pay off debts but it s important to seek advice before doing this You need to think very carefully before securing other debts against your home as your home may be repossessed if you do not keep up repayments on your mortgage Direct Debit A Direct Debit is an agreement between you and a company you want to pay on a regular basis The agreement you make authorises the company to collect varying amounts from your account on a regular basis Because you re covered by the Direct Debit Guarantee the company should always tell you what these amounts are and when they ll be collected E select to show or hide related content Early Repayment Charges If you repay a loan or a mortgage early or make an overpayment of more than your overpayment allowance an early repayment charge may be payable Equity The monetary difference between the current market value of a property and the mortgage loan held against that property Execution Only Mortgages A mortgage transaction completed by a firm upon the specific instructions of the customer where the firm does not provide advice relating to the suitability of the mortgage transaction Exit fees also known as redemption charges Charged by some lenders when you exit a credit agreement early F select to show or hide related content First Time Buyer A person buying their first property Fixed rate mortgage A fixed rate mortgage provides the security of fixed mortgage repayments until the end of the deal period no matter what happens to interest rates Flexible features Nationwide offers the following flexible mortgage features as standard Overpayments This is when you pay more than your required minimum monthly payment and build up an overpayment reserve This enables you to pay off your mortgage earlier save interest or make underpayments in the future conditions apply Switch and Fix Our tracker products offer the option to switch to a fixed rate within our Switch and Fix range at any point in the deal period without paying Early Repayment Charges on the tracker mortgage Payment holidays For mortgages reserved on or before 3rd March 2010 you can apply for a payment holiday of between three and twelve months if you have had a mortgage for more than one year and your mortgage is less than 80 of the value of your home at the end of your payment holiday conditions apply Any mortgages reserved after this date will no longer include this facility Borrow back For mortgages reserved on or before 3rd March 2010 you can apply to borrow back a lump sum from your overpayment reserve Any mortgages reserved after this date will no longer include this facility Forces Help to Buy This scheme allows eligible members of the Armed Forces to apply for an advance of pay up to 50 of their salary to a limit of 25 000 which can be used towards their deposit This is then paid back over a period of up to 10 years through their monthly salary The pilot scheme is running for three years and is intended to encourage home ownership amongst eligible Armed Forces personnel Freehold Where the sale includes the property and the land on which the property is built and you have complete ownership of both for an unlimited time G select to show or hide related content H select to show or hide related content Higher Lending Charge Some lenders impose a Higher Lending Charge if you only have a small deposit At Nationwide we don t Home Insurance This is a type of property insurance that covers a private residence It is an insurance policy that combines various personal insurance protections which can include losses occurring to one s home its contents loss of use additional living expenses or loss of other personal possessions of the homeowner as well as liability insurance for accidents that may happen at the home or at the hands of the homeowner within the policy territory Premiums and payments are not linked to your mortgage and are payable to a separate policy Home Mover A person selling one property and purchasing another property I select to show or hide related content Interest Rates Borrowing This is the rate at which the lender calculates the interest they charge the borrower expressed as a percentage Saving This is the rate at which is paid to an investor for money that they have invested in a savings account Interest only mortgage With interest only mortgages your monthly payments only cover the interest on the amount you owe so you re not reducing the outstanding sum each month You will need to put additional money aside to repay your mortgage at the end of the term for example into an investment such as an endowment policy or ISA L select to show or hide related content Land Registry A Government department that records registered land in the UK or ownership along with details of that land such as mortgages or sales Legal Interests Someone who has a financial interest in your property such as a mortgage provider Lending Into Retirement When the mortgage term exceeds beyond the customers retirement age Liabilities These are the debts you owe to creditors which may include your mortgage car loan credit card debt etc Loan to Value LTV The loan to value represents the amount you are looking to borrow or the remaining amount of your existing mortgage as a percentage of the value of the property For example if a property is valued at 100 000 and you have a 80 000 loan the LTV is 80 80 000 100 000 x 100 80 M select to show or hide related content Mortgage Payment Protection Insurance MPPI This insurance can cover your mortgage payments if you can t work because you ve become unemployed or can t work because of an accident or illness N select to show or hide related content New Build Property The definition of a new build means a property

    Original URL path: http://www.nationwide.co.uk/products/mortgages/existing-customer-switching/help-and-guides (2016-02-09)
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  • Mortgages Early Repayment Charges | Nationwide
    Why choose Nationwide Why choose Nationwide homepage All about membership Citizenship Awards and achievements View all Why choose Nationwide Have your say Have your say Have your say homepage Member TalkBacks Annual General Meeting Social media View all Have your say Corporate information Corporate information Corporate information homepage Governance Our history Results and accounts View all Corporate information Your Nationwide Your Nationwide Your Nationwide homepage Your rewards Your voice Your society View all Your Nationwide Media Policy and Legal Media Policy and Legal Media Policy and Legal homepage Media Centre Policy and Public Affairs Information for Lawyers View all Media Policy and Legal House Price Index House Price Index House Price Index homepage House Price calculator Reports archive Download data View all House Price Index Investor relations Investor relations Investor relations homepage About the business Funding programmes Investor queries View all Investor relations Our people Our people Our people homepage Working for us Jobs at Nationwide Graduate programmes View all Our people Can t find what you re looking for Ways to contact us Find your nearest branch Support We re here to help whether you need assistance with one of your accounts or if you just have questions you d like answered View all support Support View all support Emergency help Emergency help Emergency help homepage Important Travel Information Lost or stolen card Unusual activity on my account View all Emergency help Product support Product support Product support homepage Current Accounts Savings ISAs Mortgages View all Product support Ways to bank with us Ways to bank with us Ways to bank with us homepage Internet Banking Mobile Banking Telephone Banking View all Ways to bank with us Travel Travel Travel homepage Fees and charges Emergency numbers Travel insurance FAQs View all Travel Contact us Contact us Contact us homepage Send us a message Call us Make a complaint View all Contact us Dealing with difficulties Dealing with difficulties Dealing with difficulties homepage Money worries Bereavement Power of Attorney View all Dealing with difficulties Security centre Security centre Security centre homepage Internet Banking security Mobile Banking security Fraud awareness View all Security centre Accessibility Accessibility Accessibility homepage Web accessibility Branch accessibility Setting up your browser View all Accessibility Can t find what you re looking for Ways to contact us Find your nearest branch Contact Us Branch Finder Register for Internet Banking Search Select this to show hide the search box Search Search this site Search Log in menu Select this to reveal panel with log in and registration links for Internet Banking Internet Banking Log in Log in or register for Internet Banking Help and demos Security Centre See more All services are operating normally MySave Online Savings Investor Portfolio Service IPS Legal and General MyAccount Personal Finance Portal Skip over secondary navigation to main content Product support Travel Ways to bank Dealing with difficulties Security centre Glossary Accessibility Contact us Back to Nationwide co uk homepage Home Support Support Early Repayment Charges ERCs Main content of page below

    Original URL path: http://www.nationwide.co.uk/support/support-articles/manage-your-account/mortgage-early-repayment/early-repayment-overview (2016-02-09)
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  • Initial fees | Nationwide
    View all support Support View all support Emergency help Emergency help Emergency help homepage Important Travel Information Lost or stolen card Unusual activity on my account View all Emergency help Product support Product support Product support homepage Current Accounts Savings ISAs Mortgages View all Product support Ways to bank with us Ways to bank with us Ways to bank with us homepage Internet Banking Mobile Banking Telephone Banking View all Ways to bank with us Travel Travel Travel homepage Fees and charges Emergency numbers Travel insurance FAQs View all Travel Contact us Contact us Contact us homepage Send us a message Call us Make a complaint View all Contact us Dealing with difficulties Dealing with difficulties Dealing with difficulties homepage Money worries Bereavement Power of Attorney View all Dealing with difficulties Security centre Security centre Security centre homepage Internet Banking security Mobile Banking security Fraud awareness View all Security centre Accessibility Accessibility Accessibility homepage Web accessibility Branch accessibility Setting up your browser View all Accessibility Can t find what you re looking for Ways to contact us Find your nearest branch Contact Us Branch Finder Register for Internet Banking Search Select this to show hide the search box Search Search this site Search Log in menu Select this to reveal panel with log in and registration links for Internet Banking Internet Banking Log in Log in or register for Internet Banking Help and demos Security Centre See more All services are operating normally MySave Online Savings Investor Portfolio Service IPS Legal and General MyAccount Personal Finance Portal Skip over secondary navigation to main content Product support Travel Ways to bank Dealing with difficulties Security centre Glossary Accessibility Contact us Home Support Support Mortgage fees charges Main content of page below Initial fees Extra service fees Changes to your mortgage Payment difficulties Ending your mortgage FAQs Initial fees There are a number of fees and charges associated with getting changing or ending a mortgage Here at Nationwide we want you to be able to easily understand the fees that may apply to you We ve worked with the Council of Mortgage Lenders and Which to show these clearly If you have any questions please don t hesitate to contact one of our Mortgage Consultants Initial fees before your first monthly payment These are the fees and charges you may have to pay before we transfer your mortgage funds Name of fee Funds transfer fee at Nationwide we call this a telegraphic transfer fee What the fee is for Charged for electronically transferring the mortgage funds to you or your solicitor via Telegraphic Transfer CHAPS How much is the fee 20 This can often be done for free via a BACs payment but the transfer will take three working days Further information Find out more about CHAPS Name of fee Legal fee What the fee is for You ll normally instruct a solicitor to act on your behalf in connection with your transaction You may be required to pay legal fees and

    Original URL path: http://www.nationwide.co.uk/support/support-articles/rates-fees-charges/mortgage-fees-and-charges/initial-fees (2016-02-09)
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  • Finding the right mortgage
    when you switch to a new deal with us Each and every week we check the remortgage rates on offer from Barclays Woolwich Halifax HSBC Lloyds NatWest RBS and Santander then we beat them Find out more about our Loyalty Rate Mortgage Initiative YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE Back to top Why switch Check you re eligible Things to consider Types of rates Check you re eligible You ll be eligible to switch your Nationwide mortgage to a new deal with us if you meet the following requirements your current deal is ending in the next 3 months OR you re currently on either our Base Mortgage Rate BMR or Standard Mortgage Rate SMR and you meet the following eligibility criteria If you want to switch to a tracker rate mortgage You have a loan to value LTV of 80 or less You have a remaining balance of 5 000 or above You have 2 or more years left on your mortgage term Your mortgage is not in arrears Your property is not being let out If you want to switch to a fixed rate mortgage You have a loan to value LTV of 95 or less You have a remaining balance of 5 000 or above You have 2 or more years left on your mortgage term Your mortgage is not in arrears Your property is not being let out You re on a Tracker mortgage with no associated early repayment charges ERCs You have a switch and fix option on your current mortgage Back to top Why switch Check you re eligible Things to consider Types of rates Things to consider before switching If you re eligible to switch there are still a few more important things to consider such as any fees and charges that come from getting a new mortgage and the following rate considerations Changing to and from BMR and SMR rates Both the SMR and BMR are variable rates which we may vary in accordance with our mortgage terms and conditions Our BMR is guaranteed to be no more than 2 above the Bank of England Base Rate The SMR has no upper limit or cap If you switch from a BMR rate to a new mortgage you won t be able to switch back to our BMR at a later date If you completed on your current mortgage through Nationwide on or before 29 April 2009 through Derbyshire on or before 30 May 2009 or through Cheshire on or before 14 June 2009 when you switch your deal you ll move on to the Nationwide BMR If you got your current mortgage after the above dates when you switch you ll automatically move to the Nationwide SMR Changes to your mortgage features In addition to a new price your new mortgage may have different features from your current mortgage So if you switch you might lose features which you currently enjoy such as payment holiday or borrow back options which we don t offer on mortgages taken out from 3 March 2010 Loyalty Rate Mortgage Initiative Please have a read of our Loyalty Rate Mortgage Initiative terms and conditions Back to top Why switch Check you re eligible Things to consider Types of rates Types of mortgage rates At Nationwide we offer two main types of mortgage and these are on a repayment basis only However if you already have an interest only mortgage and you are switching to a new mortgage and not taking any additional borrowing you can continue to have your product on an interest only basis Fixed rate mortgage With a fixed interest rate your interest rate stays the same for a set period of time and then reverts to a variable rate for the remainder of the term Tracker rate mortgage Here your monthly payments can go up or down because they re directly linked to a rate set by the Bank of England This is dependent on the deal period Mortgage rates calculators Before you apply for a new deal with us it s a good idea to check out our rates and what your new monthly payments might be Monthly payments calculator Rate change calculator Search for a mortgage Mortgage amount Term Interest rate Est monthly repayment Option 1 Option 1 Mortgage amount Option 1 Term years years Option 1 Interest rate Option 2 Option 2 Mortgage amount Option 2 Term years years Option 2 Interest rate The above payments are for illustration purposes only You can use this calculator to get an idea of how an interest rate change could affect your monthly mortgage payments Simply fill in your mortgage details below and calculate to reveal the interest rate change slider You can find information about your mortgage in your year end statement See how a rate change could affect your mortgage Your outstanding mortgage balance Your repayment type Repayment Interest only Your remaining term Years 0 years 1 year 2 years 3 years 4 years 5 years 6 years 7 years 8 years 9 years 10 years 11 years 12 years 13 years 14 years 15 years 16 years 17 years 18 years 19 years 20 years 21 years 22 years 23 years 24 years 25 years 26 years 27 years 28 years 29 years 30 years 31 years 32 years 33 years 34 years 35 years 36 years 37 years 38 years 39 years Months 0 months 1 month 2 months 3 months 4 months 5 months 6 months 7 months 8 months 9 months 10 months 11 months Your current mortgage interest rate Calculate Your monthly repayments could be more Your monthly repayments could be less Current New Base rate change Change of 0 Change of 5 Move the slider to see how base rate changes could affect your monthly mortgage payments This calculator provides an indication of the possible change in your monthly mortgage payments in the event of an interest

    Original URL path: http://www.nationwide.co.uk/guides/buying-and-owning-a-property/switching-your-mortgage/finding-the-right-mortgage (2016-02-09)
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