Getting a mortgage is one of the biggest financial decisions many people will make in their lives. It can feel like a daunting process, but breaking it down into manageable steps makes it much clearer. If you're considering Nationwide for your mortgage, booking an appointment with one of their advisors is a crucial first step. They can provide personalized advice and guide you through the entire application process.
So, are you ready to take the first step towards your dream home or a better mortgage deal? Let's dive into how you can easily book a mortgage appointment with Nationwide!
Booking a Mortgage Appointment with Nationwide: Your Comprehensive Guide
Booking a mortgage appointment with Nationwide is designed to be straightforward, offering options for various preferences. While online booking for a full advised appointment isn't directly available, you can easily initiate the process over the phone or in person.
Step 1: Understand Your Needs and Gather Initial Information
Before you even think about booking, it's incredibly helpful to have a basic understanding of your financial situation and what you're looking for. This will make your appointment much more productive!
Sub-heading: Why is this important?
Having some initial figures and ideas in mind will help the Nationwide mortgage advisor quickly grasp your situation and provide relevant advice. It saves time during the appointment and helps you feel more prepared.
Sub-heading: What to consider and gather (no need to be exhaustive yet!):
- Your Income: What is your annual salary? Do you have any other regular income sources like bonuses, commissions, or benefits?
- Your Outgoings: Get a rough idea of your monthly expenses, including bills, credit commitments (loans, credit cards), and any dependents' costs.
- Your Deposit: How much cash do you have available for a deposit? Knowing this helps determine your Loan to Value (LTV) and potential mortgage options.
- Property Value (if known): If you have a property in mind, what's its approximate value?
- Reason for Mortgage: Are you a first-time buyer, looking to remortgage, or moving home and porting your existing mortgage?
- Credit Score Awareness: While you don't need a perfect score, it's good to be aware of your credit health. You can check your credit report with agencies like Experian, Equifax, or TransUnion.
Step 2: Decide on Your Preferred Contact Method
Nationwide primarily offers mortgage appointments over the phone or via video call for advised applications. While you can start an online application for certain scenarios (like borrowing more or switching deals without advice), for a first-time mortgage or comprehensive advice, a direct conversation is generally required.
Sub-heading: Phone Appointment – The most common choice
Booking over the phone is the most common and often quickest way to secure an appointment. You'll speak directly with a Nationwide representative who can schedule a suitable time for you to talk to a mortgage advisor.
Sub-heading: Video Call Appointment – For a face-to-face feel
If you prefer a more visual interaction, Nationwide also offers video call appointments. This allows for a face-to-face conversation with an advisor from the comfort of your home. You'll typically receive an email with instructions on how to join the video call.
Sub-heading: In-Branch Appointment – Available, but check availability
While less frequently highlighted for initial mortgage advice appointments compared to phone/video, some Nationwide branches may offer in-person mortgage advisor appointments. It's best to call their main mortgage line to inquire about availability at your local branch if this is your strong preference.
Step 3: Make the Call or Visit the Branch to Book Your Appointment
This is where you directly engage with Nationwide to set up your mortgage advice session.
Sub-heading: Booking by Phone
- Find the Right Number: The primary number for Nationwide mortgage enquiries and booking advised appointments is 0345 609 25 30.
- Operating Hours: It's important to note their operating hours to ensure you call at a convenient time. Typically, lines are open:
- Monday to Friday: 8am to 6pm
- Saturday: 8:30am to 4pm
- Closed Sundays and bank holidays.
- What to Say: When you connect, simply state that you'd like to book a mortgage appointment with one of their advisors. They will then guide you through the process, asking for your preferred date and time, and whether you'd like a phone or video call.
- Be Ready to Provide Basic Details: You might be asked for your name, contact number, and possibly your postcode to help them allocate the right advisor or branch.
Sub-heading: Booking In-Branch (if preferred and available)
- Locate Your Nearest Branch: Use the Nationwide branch finder tool on their website to find a branch near you.
- Visit During Opening Hours: Head to the branch during their regular opening hours.
- Speak to a Member of Staff: Inform a staff member that you wish to book a mortgage appointment. They will then check availability and schedule it for you. You may be given a card with the appointment details.
Step 4: Prepare for Your Mortgage Appointment
Once your appointment is booked, it's time to gather the necessary documents and information. Being well-prepared can significantly speed up the mortgage application process.
Sub-heading: Key Documents and Information You'll Likely Need:
Nationwide will need to verify your identity, address, income, and financial commitments. While they might not ask for everything at the initial advisory appointment, having these ready will demonstrate your seriousness and allow for a more comprehensive discussion.
- Proof of Identity:
- Valid passport
- Valid UK photo driving licence
- National Identity Card (for EEA nationals)
- Proof of Address (typically dated within the last 3 months):
- Utility bill (gas, electricity, water - not mobile phone)
- Bank or building society statement
- Council Tax bill
- Proof of Income:
- Employed: Your last 3 months' payslips and your latest P60.
- Self-Employed: Your latest 2 years' of HM Revenue and Customs (HMRC) documents (e.g., tax calculations and tax year overviews). If you have an accountant, their details might be useful.
- Proof of Deposit:
- Bank statements showing the funds
- If it's a gifted deposit, a letter from the donor confirming it's a non-repayable gift (Nationwide may have a specific template)
- Details of Existing Debts and Commitments:
- Credit card statements
- Loan agreements (personal loans, car finance)
- Overdraft limits
- Childcare costs, school fees, or other regular outgoings
- Your Address History: Typically, Nationwide will ask for your address history for the last 3 years.
- National Insurance Number: Have this handy.
- Existing Mortgage Details (if remortgaging or porting):
- Current lender statement
- Mortgage account number
- Current outstanding balance
Sub-heading: What to expect during the appointment:
The mortgage advisor will conduct a detailed affordability assessment, discuss your needs, explain different mortgage products (fixed-rate, tracker, etc.), and provide advice on which mortgage best suits your circumstances. They will also outline any fees involved, such as product fees or valuation fees. This is your opportunity to ask any questions you have!
Step 5: Attend Your Mortgage Appointment
Whether it's a phone call, video call, or in-person meeting, be ready at the scheduled time.
Sub-heading: During the Appointment:
- Be Honest and Thorough: Provide accurate information. Any discrepancies could lead to delays later.
- Ask Questions: Don't be afraid to ask for clarification on anything you don't understand. Mortgage terms can be complex, and the advisor is there to help.
- Take Notes: Jot down key information, advised products, next steps, and any action points for you.
- Discuss Your Preferences: Let the advisor know if you have any preferences regarding mortgage term, repayment type (e.g., capital and interest), or interest rate type.
Sub-heading: Post-Appointment:
Following your advised appointment, Nationwide will provide you with a mortgage illustration (also known as a Key Facts Illustration or KFI) outlining the details of the recommended mortgage product. If you're happy to proceed, the advisor will guide you through the full mortgage application.
10 Related FAQ Questions (Starting with 'How to')
Here are some quick answers to common questions about Nationwide mortgage appointments:
How to prepare for a Nationwide mortgage appointment?
Gather proof of identity, address (utility bills, bank statements), income (payslips, P60s, or tax returns for self-employed), deposit source, and details of all your monthly outgoings and existing debts.
How to get a Decision in Principle (DIP) with Nationwide?
You can get a Decision in Principle (also known as Agreement in Principle or Mortgage in Principle) online through Nationwide's website, or by speaking to an advisor over the phone or in a branch.
How to know what documents to bring to a Nationwide mortgage appointment?
Nationwide's website has a comprehensive "Mortgage application proofs guide," but generally, you'll need proof of ID, address, income, and deposit, along with details of your financial commitments.
How to cancel or reschedule a Nationwide mortgage appointment?
You should call the Nationwide mortgage enquiry line (0345 609 25 30) to cancel or reschedule your appointment. Give as much notice as possible.
How to get a mortgage offer from Nationwide after an appointment?
After your advised appointment, if you proceed with an application, Nationwide will conduct detailed affordability checks and a property valuation. If successful, they will then issue a formal mortgage offer.
How to find out Nationwide's mortgage interest rates?
You can find Nationwide's current mortgage rates on their official website under the "Mortgages" section. They often have an online rate finder tool to help you compare deals.
How to check the status of my Nationwide mortgage application?
If you've started an application, you can usually track its progress online through Nationwide's Mortgage Manager via their Internet Bank or banking app.
How to understand the fees associated with a Nationwide mortgage?
During your appointment, the advisor will explain all applicable fees, such as product fees (which can often be added to the loan), valuation fees, and any early repayment charges. Nationwide also publishes a "Mortgage fees and charges" guide on their website.
How to find a Nationwide mortgage advisor in my local branch?
While you can call to book an appointment, if you specifically want to see an advisor in your local branch, you can use the Nationwide branch finder on their website and then call the main mortgage number to inquire about in-branch availability for advice.
How to get help if I'm struggling with my Nationwide mortgage payments?
If you're an existing Nationwide mortgage customer and are experiencing financial difficulties, it's crucial to contact them as soon as possible. They have dedicated teams to help customers who are struggling and can discuss various support options. Their contact details for existing customers are available on their website.