Nationwide Mortgage Rates Increasing 10 September 2026: What Borrowers Need to Know

Mortgage borrowers should be aware that Nationwide Building Society is increasing selected mortgage rates from Thursday 10 September 2026.

The changes will see selected fixed and tracker mortgage rates increase by up to 0.20%.

Source and photo image: BBC News/ Kevin Peachey

The increases affect a range of products, including selected mortgages for:

• First-time buyers

• Home movers

• Existing Nationwide customers moving home

• Remortgage customers

• Customers switching their existing mortgage

• Additional borrowing
  

What does this mean for you?

If you're currently looking for a mortgage, remortgage or additional borrowing, a change of 0.20% could increase the interest you'll pay over the term of your mortgage.

It doesn't necessarily mean Nationwide will be the best or cheapest option for you, however. Mortgage rates and lender criteria vary considerably, so it's important to look at the overall cost of the mortgage, including fees, incentives and your individual circumstances.

Can you secure a Nationwide mortgage rate before the increase?

This is where timing can be important.

Nationwide's current information confirms that mortgage rates can be changed or withdrawn, and its process for securing a rate depends on the stage of your application.

If you're considering buying, moving home or remortgaging, it's therefore worth reviewing your options before the new rates take effect.

What should you do?

If you've been thinking about getting a mortgage but haven't yet taken action, don't panic — but don't ignore the change either. A mortgage adviser can help you compare the available options based on your circumstances and assess whether it makes sense to secure a particular product now or consider alternatives.

At CYS Financial, we can help you understand your mortgage options and navigate changing lender rates.

📞 Thinking about buying, remortgaging or borrowing more? Get in touch with CYS Financial to discuss your options.

Mortgage rates are subject to change and lender criteria. Your home may be repossessed if you do not keep up repayments on your mortgage. CYS Financial's advice and availability of products are subject to your individual circumstances and lender eligibility criteria.