Nationwide mortgage login (+more)

In this brief we are going to talk about what you can do via the Nationwide mortgage login page and other things you may want to consider as a mortgage holder, such as managing your mortgage in the most efficient way, planning for a Nationwide remortgage, making mortgage overpayments and monitoring the equity in your home since you took on your Nationwide mortgage.

Nationwide mortgage login

You can find the Nationwide mortgage login page here 

From this Nationwide mortgage login  page you can:

View your mortgage statement

Print out your Nationwide  mortgage statement

View what APR you are currently paying on your mortgage

View what your monthly mortgage repayments are on your Nationwide mortgage

View how many more months of monthly mortgage repayments are

View what your mortgage balance is on your Nationwide mortgage

You may be able to view your key facts illustration document once you have logged in through the Nationwide mortgage login page.

You may also be able to apply for a remortgage on the Nationwide mortgage page

Once you get to the Nationwide mortgage login page it will ask you for your customer ID and your date of birth. 

From the Nationwide mortgage login page, you can also reset your password if you have forgotten your login details for the Nationwide mortgage login page. 

The reset  page states the below 

“ If you’re a current account customer, you can retrieve your customer number instantly using our simple lookup tool below. You’ll need your card and card reader to hand.

Remember, any card reader will work, as long as it accepts your debit card – it’s equally safe and secure.

Don’t have a card reader?

Your customer number can also be found using our Banking app, by following these simple steps:

1. Log in to the app

2. Go to the menu in the top right corner

3. Tap ‘Details & Settings’ 

4. Tap ‘Your details’ to see your customer number

If you don’t have our Banking app or a current account, call us on 0800 30 20 11 (UK) or +44 1793 65 67 89 (abroad). Lines are open 8am – 8pm.  “ 

Managing your mortgage

As a mortgage holder managing your mortgage is one of the key things you will need to do to ensure you have a balanced financial wellbeing. Managing Your Mortgage doesn’t mean getting an excel sheet and trying to work out how much you owe your mortgage lender, what the mortgage balance is and how long it will take for you to repay the mortgage and be mortgage-free.

Looking for the Nationwide mortgage login page and having a look around isn’t the best way to manage your mortgage.

Managing your mortgage should be a passive thing. There is so much technology available now that you should be able to easily manage your mortgage with very little work and without having to search for the Nationwide mortgage login page.

So what does managing your mortgage mean?

Managing your mortgage means knowing all the key facts about your mortgage in an easy to view straightforward medium. 

This means knowing when your next monthly mortgage repayment comes out, how much you pay each month, what your Nationwide mortgage balance is, when your Nationwide mortgage is due to be paid off, how much you can save by overpaying your mortgage and how much you will need to overpay your Nationwide mortgage by, how much interest your Nationwide mortgage costs you each month and each year, how much equity you have in your property if you are eligible for a remortgage, what mortgage lenders may be willing to lend to you and how much you could save by remortgaging.

This is what mortgage management means and searching for the Nationwide mortgage login page and the contents within the Nationwide mortgage dashboard will not give you access to this information.

Getting a remortgage

You may also be searching for the Nationwide mortgage login page as you are considering remortgaging your Nationwide mortgage.

If you are considering getting a remortgage then the first thing you should know that the remortgage offers displayed in the Nationwide mortgage login page or anywhere else on the Nationwide mortgage website may not be suitable for you as you may be eligible for a better mortgage deal from a mortgage lender who is not Nationwide mortgage.

Although Nationwide mortgages may have very desirable offers and some saving it is usually better to use a mortgage broker who can access the whole of the mortgage market and let you know which mortgage lenders may be able to offer you a mortgage based on your mortgage affordability. Mortgage brokers are also very helpful as they may be to help you with special situations such as remortgaging with bad credit or remortgaging on a non-standard construction house.

If you are planning to get a remortgage then you should consider building your credit score in order to improve your mortgage affordability.

You can improve your credit score by doing the below:

Registering on the electoral roll

Getting a credit builder card

Getting a secured credit card

Getting a credit builder loan

Avoid missing credit repayments

Avoid making late payments

Getting a remortgage

You may want to consider using an independent mortgage broker to get a mortgage to a better deal as part of your mortgage management plans.

Mortgage brokers are important as they can access mortgage products from across the whole of the market in some cases. This could be over 11,000 mortgage products. This may have some advantages than going directly to a mortgage lender.

A mortgage broker will look to understand your financial circumstances and then provide recommendations on which mortgage products may be suitable for you.

After giving you these mortgage recommendations, most mortgage brokers will seek your consent to apply for a mortgage in principle. 

This will allow you to shop for your home easier as more estate agents and sellers may take you seriously or it will give you confidence that your remortgage is indeed a possibility before you make a full mortgage application. 

Once you have found a home you want to buy or are satisfied with the mortgage offer for your remortgage then the mortgage broker will then look to get you a mortgage offer.

This will come with a key facts illustration document which details out the features of your mortgage including how much you will pay per month if there are any limits such as early repayment fees, or annual overpayment limits.

If you are happy with everything you can then go on to secure your mortgage with the help of a conveyancer. 

Your conveyancer will manage the legal searches on the property to ensure there aren’t any issues with it, they will oversee the sales agreement to ensure it is in your best interest, they will manage the transfer of mortgage funds, exchange contracts with the seller or their conveyancer and set a completion date with the seller or their conveyancer.

In this brief guide, we discussed the Nationwide mortgage login page, how to manage your mortgage and the benefits of using a mortgage broker when considering a remortgage.

If you need financial advice and you live in the UK then you could contact the Money Advice service over the phone or via chat for impartial advice.

You can also contact the debt charity “Step Change” if you are in debt and need help.