Nationwide increases all two, three and five-year purchase rates by up to 0.20%

The lender has announced widespread increases across its purchase, remortgage and existing member ranges due to rising swap rates.

Related topics:  Nationwide,  Mortgage rates
Rozi Jones | Editor, Financial Reporter
5th September 2025
Nationwide 2024

Nationwide has announced widespread rate increases across its mortgage range, with rates rising by up to 0.20%.

For new members moving home, all two, three and five-year fixed rates between 60-95% LTV have increased, alongside selected 10-year rates.

Two-year fixed rates now start from 3.87%, with three and five-year rates from 3.99% and 10-year rates starting at 4.45%.

All first-time buyer two, three and five-year rates up to 95% LTV have also increased. Two-year fixes now start from 4.03%, three-year rates from 4.14%, five-year rates at 4.22% and 10-year rates at 4.45%.

In Nationwide's remortgage range, selected two and five-year rates have increased between 60-90% LTV. The lowest rate in Nationwide's remortgage range is now a two-year fix at 3.94% with a £1,499 fee.

For existing members moving home, all two, three, five and selected 10-year rates have also increased across all LTVs.

Two-year rates now start from 3.87%, three and five-year rates from 3.99%, and 10-year rates from 4.45%.

Nationwide has also increased selected fee-free additional borrowing rates and selected switcher rates.

A Nationwide spokesperson said: “We continually review our mortgage rates and, with swap rates trending up recently, we have had to make changes to reflect the current environment.

“We continue to support existing customers with our pricing pledge and remain well-positioned in the market to support all borrowers, including first-time buyers.”

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