Nationwide

Nationwide is the world’s largest building society. It’s a mutual organisation, meaning it is owned by its customers.

It can trace its history back to 1846, and exists in its current form as the result of more than a hundred mergers. Its headquarters are in Swindon.

Nationwide offers a full range of banking products, including current accounts, savings accounts, personal loans, mortgages and credit cards. It also offers home insurance, underwritten by RSA, and life insurance, underwritten by Legal and General.  

Nationwide
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Gold ribbon: first place

Bank accounts

Ranked 7th of 28 providers reviewed.

Customer happiness 71.32%
Customer trust 68.94%
Complaints performance 61.67%
Transparency rating 82.67%
Fairer Finance score
Reviewed Autumn 2022
71%
Gold ribbon: first place

Credit cards

Ranked 1st of 31 providers reviewed.

Customer happiness 67.92%
Customer trust 68.25%
Complaints performance 61.67%
Transparency rating 73.15%
Fairer Finance score
Reviewed Autumn 2022
68%
Gold ribbon: first place

Home Emergency Cover

Ranked 7th of 24 providers reviewed.

Customer happiness 57.01%
Customer trust 62.8%
Complaints performance 72.86%
Transparency rating 70.22%
Fairer Finance score
Reviewed Autumn 2022
66%
Gold ribbon: first place

Home insurance (building and contents)

Ranked 3rd of 48 providers reviewed.

Customer happiness 66.07%
Customer trust 68.44%
Complaints performance 72.36%
Transparency rating 82.31%
Fairer Finance score
Reviewed Autumn 2022
72%

Investing and pensions

Our ratings for Investing and pensions are hosted exclusively on The Times Money Mentor site.

Go there now to find out how we rated this product.

Life insurance

Ranked 24th of 26 providers reviewed.

Claims score 73.00%
Complaints performance 85.24%
Transparency rating 54.97%
Fairer Finance score
Reviewed Autumn 2022
71%
Gold ribbon: first place

Mortgages

Ranked 3rd of 23 providers reviewed.

Customer happiness 66.71%
Customer trust 61.39%
Complaints performance 81.93%
Transparency rating 80.12%
Fairer Finance score
Reviewed Autumn 2022
73%
Gold ribbon: first place

Personal loans

Ranked 2nd of 26 providers reviewed.

Customer happiness 71.01%
Customer trust 69.61%
Complaints performance 61.67%
Transparency rating 78.38%
Fairer Finance score
Reviewed Autumn 2022
70%

Savings Accounts

Ranked 20th of 50 providers reviewed.

Customer happiness 55.59%
Customer trust 65.55%
Complaints performance 61.67%
Transparency rating 81.5%
Fairer Finance score
Reviewed Autumn 2022
66%

Bank accounts

Basic bank accounts

Nationwide

FlexBasic

4 stars
Cash withdrawal fee in UK (own bank) i £0.00
Annual fee i £0.00
Part of FSCS i
Faster Payment limit i £10,000.00
Maximum cash machine withdrawal per day i £500.00

Current accounts

Nationwide

FlexAccount

4 stars
Annual fee i £0.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Nationwide

Flexdirect

4 stars
Annual fee i £0.00
Maximum cash machine withdrawal per day i £500.00
Part of FSCS i
Cash withdrawal fee in UK (own bank) i £0.00
Card payment fee (£) i £0.00
App capability? i

Foreign use bank accounts

Nationwide

FlexPlus

5 stars
Foreign cash withdrawal fee i 0%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 0%
Is there a limit on free cash withdrawals? i Unlimited

Nationwide

FlexStudent

5 stars
Foreign cash withdrawal fee i 0%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 0%
Is there a limit on free cash withdrawals? i Unlimited

Nationwide

FlexDirect

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Nationwide

FlexAccount

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Nationwide

FlexBasic

1 stars
Foreign cash withdrawal fee i 2.99%
Foreign cash withdrawal additional charge i £0.00
Foreign purchases fee i 2.99%
Is there a limit on free cash withdrawals? i No free cash withdrawals

Overdrafts

Nationwide

FlexDirect (First 12 months)

4 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 0%

Nationwide

FlexPlus

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.9%

Nationwide

FlexDirect

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.9%

Nationwide

FlexAccount

1 stars
Risk based overdraft? i
Arranged overdraft interest free amount i £0.00
Arranged overdraft interest rate (representative EAR) i 39.9%

Premium bank accounts

Nationwide

FlexPlus

5 stars
Add-ons, cashback and rewards i UK & European Breakdown cover, mobile phone insurance for holder and family, worldwide travel insurance (including winter sports) for holder and family
Part of FSCS or international equivalent i

Student bank accounts

Nationwide

FlexStudent

5 stars
Arranged overdraft limit i £3,000.00
Tiered repayment of overdraft i
Switching / sign up incentive i

Credit cards

0% balance transfer credit cards

Nationwide

Member Credit Card with Balance Transfer offer

4 stars
Duration of 0% balance transfer offer period i 18 months
Balance transfer fee during promotional period i 1.5%
Representative APR i 19.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 1.5%
Representative balance transfer rate i 1.527%
Risk based? i

Nationwide

Member Credit Card with All Rounder Offer

4 stars
Duration of 0% balance transfer offer period i 15 months
Balance transfer fee during promotional period i 1.5%
Representative APR i 19.9%
Balance transfer rate during promotional period i 0%
Highest balance transfer fee during promotional period (%) i 1.5%
Representative balance transfer rate i 1.527%
Risk based? i

0% purchase credit cards

Nationwide

Member Credit Card with All Rounder Offer

5 stars
Duration of purchases offer period i 15 months
Representative APR i 19.9%
Highest APR i 24.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.527%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Nationwide

Member Credit Card with Balance Transfer offer

3 stars
Duration of purchases offer period i 3 months
Representative APR i 19.9%
Highest APR i 24.9%
Purchase rate during promotional period i 0%
Representative purchase rate i 1.527%
Number of days before interest is charged on purchases i 56 days
Risk based? i

Foreign use credit cards

Nationwide

Member Credit Card with Balance Transfer offer

3 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 2.5%
Representative APR i 19.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.527%

Nationwide

Member Credit Card with All Rounder Offer

3 stars
Foreign purchase fee i 0%
Foreign withdrawal fee i 2.5%
Representative APR i 19.9%
Number of days before interest is charged on non-sterling cash transactions i 0 days
Risk based? i
Representative purchase rate i 1.527%

Equity Release

Nationwide

Lifetime Lump Sum Joint Lite

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Single Lite

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Joint Standard Lite

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Single standard Lite

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Joint Lite Plus

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Single Lite Plus

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Joint Mid

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Single Mid

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Joint Standard Mid

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Single Standard Mid

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Joint standard

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Single Standard

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Joint Standard Plus

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Single Standard Plus

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Joint Plus

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Single Plus

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Joint Max

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Single Max

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Joint Max Plus

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Single Max Plus

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Joint Super Max

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Single Super Max

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Joint Super Max Plus

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Nationwide

Lifetime Lump Sum Single Super Max Plus

4 stars
Early repayment charge (if you repay in year 3 of the loan) 8.00%
Are you allowed to sell and move to a smaller property without paying early repayment charges? i
Is there an admin fee when the loan is repaid? i £0.00
Early repayment charge (if you repay in year 6 of the loan) 5.00%
Early repayment charge (if you repay in year 12 of the loan) 1.00%
Can you repay penalty free if one borrower dies or goes into care? i
Is there an admin fee when part of the loan is repaid? i
Max Partial repayments allowed in a year 10%
Portable
Adding or removing someone to your loan (England and Wales) £125.00
Adding or removing someone to your loan (Scotland) £125.00
Member of the equity release council
Minimum Cash Reserve
Number of payments allowed per annum (repayment flexibility) Unlimited

Home insurance (building and contents)

Nationwide

Home Insurance (up to £50,000 contents) (with Matching Items Cover)

5 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i £2,500.00
Escape of water excess i £350.00
Garden plants i £5,000.00
Alternative accommodation cover limit for contents i £15,000.00
Alternative accommodation cover limit for buildings i £50,000.00
Cover for keys if lost i £750.00
Money in the home i £750.00
Replace belongings new for old i
Buildings Cover limit i
Contents Cover limit i
24hr helpline i
Temporary freezer storage
Dual Contents i
Business Equipment
Personal possessions cover whilst living in a nursing home or residential care setting i
Medical Equipment Loan i
Theft from bogus officials i

Nationwide

Home Insurance (more than £50,000 contents) (with Matching Items Cover)

5 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i £5,000.00
Escape of water excess i £350.00
Garden plants i £5,000.00
Alternative accommodation cover limit for contents i £30,000.00
Alternative accommodation cover limit for buildings i £50,000.00
Cover for keys if lost i £1,000.00
Money in the home i £1,000.00
Replace belongings new for old i
Buildings Cover limit i
Contents Cover limit i
24hr helpline i
Temporary freezer storage
Dual Contents i
Business Equipment
Personal possessions cover whilst living in a nursing home or residential care setting i
Medical Equipment Loan i
Theft from bogus officials i

Nationwide

Home Insurance (up to £50,000 contents)

4 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i £2,500.00
Escape of water excess i £350.00
Garden plants i £5,000.00
Alternative accommodation cover limit for contents i £15,000.00
Alternative accommodation cover limit for buildings i £50,000.00
Cover for keys if lost i £750.00
Money in the home i £750.00
Replace belongings new for old i
Buildings Cover limit i
Contents Cover limit i
24hr helpline i
Temporary freezer storage
Dual Contents i
Business Equipment
Personal possessions cover whilst living in a nursing home or residential care setting i
Medical Equipment Loan i
Theft from bogus officials i

Nationwide

Home Insurance (more than £50,000 contents)

3 stars
Matching sets (Contents) i
Theft from outbuildings cover limit i £5,000.00
Escape of water excess i £350.00
Garden plants i £5,000.00
Alternative accommodation cover limit for contents i £30,000.00
Alternative accommodation cover limit for buildings i £50,000.00
Cover for keys if lost i £1,000.00
Money in the home i £1,000.00
Replace belongings new for old i
Buildings Cover limit i
Contents Cover limit i
24hr helpline i
Temporary freezer storage
Dual Contents i
Business Equipment
Personal possessions cover whilst living in a nursing home or residential care setting i
Medical Equipment Loan i
Theft from bogus officials i

Buildings insurance

Nationwide

Home Insurance (up to £50,000 contents)

5 stars
Trace and Access i £5,000.00
Cover for keys if lost i £750.00
Matching sets i
Rainfall (mm) i Torrential Rainfall'
Alternative accommodation cover limit i £50,000.00
Cover for keys if stolen i £750.00
Compulsory excess i £50.00
Escape of water excess i £350.00
24hr helpline i
Property owner liability i £2,000,000.00

Nationwide

Home Insurance (more than £50,000 contents)

5 stars
Trace and Access i £5,000.00
Cover for keys if lost i £750.00
Matching sets i
Rainfall (mm) i Torrential Rainfall'
Alternative accommodation cover limit i £50,000.00
Cover for keys if stolen i £750.00
Compulsory excess i £50.00
Escape of water excess i £400.00
24hr helpline i
Property owner liability i £5,000,000.00

Contents insurance

Nationwide

Home Insurance (up to £50,000 contents) (with Matching Items Cover)

5 stars
Matching sets i
Cover for keys if lost i £750.00
Theft from outbuildings cover limit i £2,500.00
Cycles included whilst in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i £750.00
Money in the home i £750.00
Alternative accommodation cover limit i £15,000.00
24hr helpline i

Nationwide

Home Insurance (more than £50,000 contents) (with Matching Items Cover)

5 stars
Matching sets i
Cover for keys if lost i £1,000.00
Theft from outbuildings cover limit i £5,000.00
Cycles included whilst in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i £1,000.00
Money in the home i £1,000.00
Alternative accommodation cover limit i £30,000.00
24hr helpline i

Nationwide

Home Insurance (up to £50,000 contents)

4 stars
Matching sets i
Cover for keys if lost i £750.00
Theft from outbuildings cover limit i £2,500.00
Cycles included whilst in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i £750.00
Money in the home i £750.00
Alternative accommodation cover limit i £15,000.00
24hr helpline i

Nationwide

Home Insurance (more than £50,000 contents)

4 stars
Matching sets i
Cover for keys if lost i £1,000.00
Theft from outbuildings cover limit i £5,000.00
Cycles included whilst in the home i Part of sum insured
Replace belongings new for old i
Cover for keys if stolen i £1,000.00
Money in the home i £1,000.00
Alternative accommodation cover limit i £30,000.00
24hr helpline i