Nationwide Mortgage
A Nationwide mortgage is available in various forms: fixed and variable rate, tracker, first time buyer and so on. The firm also has a dedicated section that provides specialist mortgages for self-employed people and buy to let customers. Rates start at 4.5% APR for a tracker mortgage.
The Nationwide is one of the best-known high street lenders, and you can apply for a Nationwide mortgage whether you're buying your first home or your fifth. You can choose from fixed and variable rate mortgages, tracker mortgages or first time buyer mortgages, and if your needs are more unusual then Nationwide also has a specialist lender that deals with mortgages for the self-employed, for buy to let purchases and for loans exceeding 95% of the property value.
The site does a good job of providing the key information together with the usual mortgage calculators and so on, and you can apply online and receive a decision in around 1 minute. Rates depend on the Nationwide mortgage you choose, but they're very competitive: 4.5% APR for a tracker mortgage, 4.6% APR for a fixed rate, and 4.7% for a flexible mortgage. If you choose the latter you can overpay, underpay or take payment breaks when you're short of cash.
