Waste of time
I hope you have a better experience than I have had. The entire process of trying to take out a loan with nationwide was drawn out, painful and eventually fruitless. Both My brother and myself are doctors and we were hopeful to buy our first house together. I spoke to a worker at nationwide for well over 1 and a half hours where I was questioned in depth about my income and work history. I was transparent and truthful right from the get go. After telling them that I work as a locum doctor and giving them a low estimate of my income on purpose ( to avoid unexpected deduction in the loan amount they could offer me) I was given an agreement in principle for the loan amount i was looking for. It was very difficult to even arrange an appointment with a mortgage advisor. this took an entire month. I finally spoke to the mortgage advisor and suddenly i was told that my loan amount had more than halfed. when i asked why this was they told me that they looked at my latest P60 and according to the information there they could only offer me the low loan amount they did. However, I had received a big promotion since 10 months ago which the P60 did not cover and which nationwide completely disregarded. When I asked why they were disregarding the last 10 months of my work, they could not even give me an answer. They basically told me ''thats how it is, deal with it''. Months of my time had been wasted and now I am left without a loan amount and with vendors who are eager to move on and cancel the house purchase. I really hope that my bad experience was down to the individual mortgage advisor i spoke to rather than the entire bank of nationwide. I noticed that Nationwide has a good rating on trust pilot, so if you do decide to go with nationwide I hope it works out for you. God bless.