Find out if a CCJ has been made against you. New Mortgage. I need some advice, I recevied a CCJ in 2009 (due to my father not paying rent which i wasnt made aware of until it was too late) which I didnt pay off untill Jan 2012 (due only to be a silly young naive student!!), the payments where a minimum for a few years due to not earning alot at university, but I didnt managed to pay a lump sum off to finalise this. is an unsecured creditor (the debt is not secured against your home unlike a secured mortgage). Our team of experienced mortgage advisers can recommend a range of remortgage options to suit you. You will need different advice if you live in Scotland. Thrugelmir Posts: 89,546 Forumite. A CCJ will only lose you 250 points, but this is in addition to any existing defaults, meaning a total of 600 points. 30am to 4pm. Buy to Let Mortgages with CCJ. Decision in principles are much better than using income multiples as they take. Nationwide offers home insurance, auto insurance, life insurance and more to fit your budget and needs. g. Barclays mortgage with a CCJ. 3. The Nationwide Member Personal Loan charges 6. Some lenders may take a view when a CCJ is under £300 or in respect of a mobile phone contract. Nationwide offers the loan with repayment terms between 1 and 7 years, and applicants can apply to borrow from £1,000 to £25,000. - 18% have totally separate finances. 4 High pressure sales: regulated mortgage contracts, home reversion plans and regulated sale and rent back agreements 2. Source of deposit criteria. The Team; Areas We Serve;Call 0808 189 2301 or make an enquiry online and we’ll pair you up with a mortgage expert who helps people who’ve been declined previously. Landmark know the CCJ was cleared, or at leats should do as the unsecured account no longer exists. See moreNationwide 90% Mortgage with 5-year-old CCJ. In this guide (13 articles) Mortgage types explained. A CCJ in the last 12 months should be no more than £1,000. If you have a CCJ then you may still be able to get the mortgage that you need. Regulated mortgage contracts include first charge mortgages and secured loans. The order secures an outstanding loan of. The people you owe want to know your situation before. The rules about when a creditor can apply for a charging order changed from 1 October 2012. You can also speak to one of our mortgage experts by calling us at 1-855-755-9533, option 6. This means we’ve agreed to work closely with the government to give mortgage customers the right support. 16 August 2020 at 7:05PM. Struggling to get a mortgage with a ccj it's under 2k and from Jun 2014 so it should fall off soon. For example, if the CCJ was issued five years ago that will impact the lender’s decision less than one served two weeks ago. Simply put, a legal charge on property is a document that converts your unsecured loan into a secured one. If under £100, we can sometimes consider these, subject to passing our internal credit score. Visit our Mortgage support page for more information to help you understand the new options and what additional help is available. Yes, you can get a mortgage with a CCJ. co. While it's likely that your deposit requirement will be. Standard variable rate mortgages. - 41% have a joint account just for bills. Our approval by the United States Department of Veteran Affairs provides us the honor. If it’s very recent, in the last year, lenders would be looking for the figure to be less than £1000. 35. This guide explains how a CCJ. However, as the buy to let property market continues to develop, more and more lenders are beginning to consider approving investors with CCJs; this. Packaging guides. Box 105178,. It is an action your creditors can take in the debt collection process. Minimum mortgage term length of two years, maximum term length of 40 years. Call 1-800-848-6331 for investment/ financial help. With those Nationwide deals, a £250,000 mortgage will cost you about £100 more each month if you take the two-year deal, and you will face a £999 product fee when you come to remortgage. Inflation remained at 6. How can one apply for mortgages with CCJ? Updated: 8/20/2019. A joint mortgage is when you apply to borrow money to buy a home with someone else, like your partner, a friend or a relative. You could be offered a different rate based on your personal circumstances. Utilities aren't really considered borrowing. 7. The company will then use the information to decide whether to lend you money. Agribusiness login. Registered Office: Floor 3 Haldin House, Old Bank of. Everyone who applies will have to meet our lending criteria, and they’ll be jointly liable for the mortgage payments. You may be asked for one if: You are struggling with debt. A recent CCJ can make a mortgage application harder. 70%; Representative Example: Mortgage of £120,000 on property valued at £200,000 over term of 25 years. Most likely you will be looking at higher interest rates with a specialist lender. 7. NatWest mortgage customer reviews. For accounts outside of the UK but within the EEA, one full month’s bank statement is required, showing the full. Please call for free on 0800 2983000 or dial 0333 003 1505 (mobile friendly. What type of credit does Nationwide offer? • Overdrafts (which are repayable on demand) • Credit cards • Personal loans • Mortgages (main loans and additional borrowing) Credit cards and personal loans are just for members – you’re a member if you have a current account, mortgage or savings account with us. P = the principal amount. However, if that is not possible, negotiate a favourable repayment plan with the lender and pay your instalments on time. FOR FREE! 033 0088 4407; WhatsApp Us; Main Menu. A county court judgment is a court order issued against a borrower who cannot repay their debts. For example, you could use it to explain why you fell behind with the repayments on a particular loan or credit agreement. 8 years of CCJ & default. You must respond to the. Read The Mortgage Works’ lending criteria for buy to let and let to buy mortgages. 4. We aim to bring you the most powerful mortgage best buy table possible, including all deals available to brokers and crucially direct-only deals too. Call 24/7. It’ll be more difficult as you’ll have fewer options available to you, but it’s not impossible. Number of CCJs: having more than one (1) CCJ can severely limit mortgage options. Additional borrowing. Find a mortgage expert in your region. We specialise in providing independent mortgage advice on buy to let mortgages for investors – HMO’s, Limited Companies, Ex Pats, Let to Buy. Valuation criteria. 2. Find out what works well at Nationwide Mortgage Bankers Inc from the people who know best. Get a copy of your credit report and dispute any errors. A debt management plan. Its team can assist clients in changing their loans to either FHA, jumbo, fixed-rate, or adjustable-rate mortgages. O. More about extending your term. Discuss your utility providers, bills, usage and energy-saving tips. They’re available for residential and buy-to-let mortgages. Settle or Reach a Repayment Agreement with the Lender or through the Court. Getting a remortgage offer from Nationwide takes 10 working days from application submission to mortgage offer. If Halifax agrees to the new loan you can take the. Travel. CCJs, Bankruptcy and IVAs- Will not accept applicants. The account is a credit card with nationwide, it was passed to Shoosmiths LLP and despite me telling them we have a DMP (and paying it). For most first time buyer mortgages, you need a deposit of 5% of the price of the property you want to buy. Mortgage brokers and specialist lenders check the credit file for every applicant, making it hard for those with credit issues and a poor credit record to post a successful mortgage application. CCJs and defaults over £100 have to be satisfied for three years. As a result, getting a mortgage with a satisfied CCJ on your file has become a little more difficult. Your oldest account on file isn't even a year old. Forum. My partner had a default for £900 in 2011, settled in 2103 and we complete on our house purchase this week. We make getting a homeowners insurance quote easy. However, they each have different restrictions, e. We’ve signed up to the government’s Mortgage Charter. Buy to Let Mortgages with CCJ. If your creditor has taken court action against you for a debt, they may have got a county court judgment (CCJ) or other court order against you. Buy to Let Mortgages with CCJ. Regular savers earn 6% interest (HSBC, First Direct, M&S) Loans cost 2. Nationwide Deposit Unlock mortgage. co. 2. Buy to Let Mortgages with CCJ. Income & Budgeting. Source of deposit criteria. You could still take out a mortgage with a CCJ. Problem being that in 2016 I was issued with a CCJ for a debt I hadn't realised was outstanding (overpaid housing benefit which we contested and thought was sorted but obviously not!) Anyway, I spent 2 years paying off the debt and the CCJ is due to be marked as 'satisfied'. Any advise is greatly recived please Looking to purchase a house £220,000, deposit £45,000. When submitting an application for lending greater than 85%. Our mortgages and second. Make multiple mortgage applications in a short amount of time. 10% of your overall loan per year for Nationwide mortgages set up on or after 29 May 2013. uk. If we can do this successfully, we won't request to see any proofs. If you don’t repay, the creditor (the person or company you owe the money to) can ask the court to take steps to reclaim the debt. Summary of Holiday Let lending Criteria. First time landlords criteria. October 20, 2023. Joint mortgage applications. Minimum age 18, UK residents only. Buy to Let Mortgages with CCJ. But it’s not an automatic deal-breaker when it comes to getting a VA loan. IVA and Bankruptcies that have been discharged two years or more can also be accepted. 'Financial statements' or 'income and expenditure' (I&E) forms help creditors understand your situation. However, with the kind of expert mortgage advice provided by CLS, all is not lost. The CCJ will be removed from your credit file. Monday to Friday, 8am to 6pm. To find out the latest information on CCJ mortgages, click the enquiry form or call us at 0300 124 5655. Both came out as excellent, however my 'score' was significantly lower than my partner's. They can tell you whether an appeal with Santander is a better option than finding an alternative lender. Stop losing time on endless searches for the appropriate legal documents for your state. Whether you're a first-time homebuyer, wanting to refinance your existing home or looking to upgrade to the home of your dreams, We have the solution to meet your needs. Getting a mortgage with a CCJ can be more difficult, but not impossible. CCJs are legal orders issued by a court that indicate a person's failure to pay a debt. Home Office: One Nationwide Plaza, Columbus, OH. Read The Mortgage Works’ lending criteria for buy to let and let to buy mortgages. Mortgages & Homes. The average APR on a 15-year fixed-rate mortgage fell 1 basis point to 6. "I really struggled to get a mortgage as I had a CCJ and buying a 145k house on my own. Fee Free Mortgage Advice from the UK’s Best Mortgage Broker. First time landlords criteria. A general guideline for determining whether you should refinance your mortgage is that you should do it only if you can lower your interest rate by at least 2%. size of debt can also be an issue. The maximum you could receive is 29. Whist you might find some high street lenders who will accept. Review and submit your changes. This means that if one you is unable to pay your share of the monthly mortgage payment, the other. Learn about our fees and charges. Yes, it does. A country court judgement (CCJ) is a court-issued notice that requires you to pay a debt. The Chancellor Jeremy Hunt has today (Wednesday 22 November) announced a range of tax, benefits and savings measures. With over three decades in the industry, Mortgage Brain is well positioned to reimagine the industry plumbing - the way mortgage products are sourced and distributed. How to Get a Mortgage with a CCJ (County Court Judgement)If you are trying to get a mortgage but have a CCJ (County Court Judgement), this video will explain. Fixed-rate mortgages. Whatever your background or circumstances, we can help. 6K discussions 732. To fill it in, you'll need to know: Your main income details. FHA loans offer advantages like low down payments as low as 3. £362. I am currently in the process of trying to set aside a CCJ issued to me but it was fraudulent, the problem I am having is I am trying to buy a second property, the ccj has been issued in less than 6 months, I am struggling to find a lender that will touch me with the ccj being so new and without removal (which is taking forever) I am at a loose end. 6 stars based on over 4,800 reviews. A court order means you have to pay the money back, either in instalments or in full by a certain date. This fact sheet tells you how a creditor can apply for a charging order against your home or any other property you have a part share in. Panic. If you are looking to secure a mortgage, but have been issued a CCJ (County Court Judgement), you may find it more difficult to track down a deal that. After the 6years are up - probably nothing happens. However, there are things you can do to help lessen the impact of a CCJ. 19 March 2016 at 1:52PM in Mortgages & endowments. And there could be further action taken to collect the debt. Or 5. It’s nigh-on impossible to be approved for these with a CCJ. I would settle the ccj. The maximum you could receive is 29. ›Bankruptcy & living with it. The maximum LTV for all online applications is 90% Applications with a loan size over £600,000 will be subject to additional lending rules, which may impact the maximum borrowing that we can offer. Explore our comprehensive guide on securing a mortgage with a County Court Judgement (CCJ). Our customers range from; first-time buyers, buy-to-let investors, those looking to remortgage, or those looking to borrow additional funds secured against their existing property. You could lose your home if you do not keep up payments on your mortgage. However, the unsecured loan must be covered under the Consumer Credit Act for a charging order to be issued. Please see the below tables for the type of income and proofs we accept. Loo44 Forumite ForumiteNatwest mortgage with CCJ. Hi I have a charging order from Nationwide from a credit card. I am a FTB using HTB and I started a new job 3 months ago. What was in our favour though was good affordability and a large deposit. Accountant's Certificate. The CCJ is removed from the public register and your. A CCJ is issued to an individual who fails to make agreed payments on a debt. Partners income £62,500 plus £22,000 bonusA CCJ will show on your credit file for six years from the date of the judgment. Search Now. It offers conventional, FHA, VA, and USDA loans for various types of purchases. Please help!!! - CCJ claim form for Nationwide debt on DMP. Teacher Sarah Arrowsmith and her fiancé Ross Tredger were poised to submit an offer on a home when she learned of the CCJ against her, The Mirror reported. Getting a mortgage with a CCJ (county court judgement) on your credit record is possible with our Near Prime mortgages, as long as it meets our lending criteria. 5 Reliance on othersSee how your total borrowings on mortgages, personal loans, credit cards and other accounts have changed over the last 6 years, and keep a track of the overall position currently being reported by organisations on your Credit Report. Any lender checking your credit report will see your statement and should take it into account when. There are many mortgage lenders that. It offers a range of loan programs, such as FHA, fixed-rate mortgages, interest-only mortgages, and VA, to meet customers' mortgage and refinancing goals. 09% with no fee. I am registered with the FSA for mortgage advise. A general guideline for determining whether you should refinance your mortgage is that you should do it only if you can lower your interest rate by at least 2%. The Judgment may include payment terms, which means the Court have ordered you to pay instalments over a period of time. 4% APR representative on loans between £7,500 and £25,000. Symbol; M: the total monthly mortgage payment: P: the principal loan amount: r: your monthly interest rate Lenders provide you an annual rate so you’ll need to divide that figure by 12 (the. Fortunately, we can help you to get hold of the remortgage deal you require. switching your existing deal. Ready Mortgage Lenders is a Miami-based business that has been in operation since 2013. Utilities aren't really considered borrowing. #ad #mortgage #createfinance Can I get a mortgage with a CCJ on my file? Will a County Court Judgement stop me getting a mortgage? In this video, Gindy and A. Up to £1,000,000. You can buy a home through shared ownership if both of the following are true: your household income is £80,000 a year or less (£90,000 a year or less in London) you cannot afford. The company will then use the information to decide whether to lend you money. Nationwide offers loans on homes bought through the Deposit Unlock scheme up to £750,000, available through mortgage brokers. 9% per year (Nationwide) = FREE money. For example, for a CCJ less than two years old, it’s likely to be more difficult to secure a mortgage if the CCJ was £2,500 or more. You can click Start your quote above, call us at 1-877-669-6877 or find a local agent to get started. "You have a. 4% APR representative on loans between £7,500 and £25,000. We round up the key announcements and what…. For any debt-related queries you’d like to discuss with us, please don’t hesitate to get in touch. Whether you will be approved or not will come down to how long ago it was issued, whether it’s been settled, the debt amount and a few other factors. Receiving a County Court Judgment (CCJ) on your credit file will unfortunately show up on your credit rating for up to 6 years, making it especially difficult to get a mortgage. Compare interest rates online and benefit from working with lending professionals. Borrowers must. Since the credit crunch and reform of the mortgage industry, lenders have been forced to become more responsible. Features some of the lowest rates in the market and flexible options tailored to your needs. This representative APR applies to loans of £7,500 to £25,000 over 1 to 5 years for our members with a mortgage, savings or current account. g. By responding promptly and taking care. Your Nationwide Mortgage Bankers Loan Officer serves as your experienced guide, providing valuable insights, tools, and information to ensure you’re always one step ahead in your home-buying journey. This is subject to change depending on the lender’s criteria. Gain insights into the impact of a CCJ on your credit report, options with specialist lenders, and the role of a mortgage broker. CCJs and your credit rating. Monthly repayment £194. I'd speak to a mortgage broker rather than a solicitor. Total amount repayable is €145,028. However, as the buy to let property market continues to develop, more and more lenders are beginning to consider approving investors with CCJs; this. Creditor takes money from your bank account. Call us. CCJ Mortgage Advice in Manchester. What are mortgage income multiples? A mortgage income multiple is simply a multiple of your annual income, used by mortgage lenders to get an idea of the size of home loan you might be able to afford. 37 inc court fee. Eligible if CCJs less than £500 and have been satisfied over 24 months ago, If CCJs over £5,000 then must be discharged/satisfied over 36 months ago. Book Your Free Consultation 8am - 10pm, 7 Days a Week. 2. ©. Gain the flexibility of larger loan amounts, non-owner-occupied status, and lower down payments. It becomes more difficult when the CCJ is dated within the two-year time frame, and what the judgement relates to. Just wondering what are the. A CCJ will show on your credit file for six years from the date of the judgment. 24 October 2014 at 9:35AM. CCJs are generally taken into account in credit scoring however background details are required. Getting a mortgage. 22 February 2016 at 10:32AM. However, this is just an average and it will really depend on your unique situation and what you are working to achieve. Joint bank account use by couples (24,046 votes) Under-35s: - 21% have a joint bank account for everything. moving home. Having bad credit could, therefore, be a reason why your Nationwide mortgage application is declined. At the time I tried to defend myself on the lack of a genuine CCA but lost as they provided a reproduced CCA. CALL US NOW 0121 4000 052. Simply Adverse is a nationwide broker that provides a tried, tested, and successful service for connecting adverse credit mortgage lenders and CCJ mortgage lenders with people searching for first and second. 070%, according to rates. I have a 4 year old CCJ for £2700 that I obtained when I moved house and forgot to tell a credit card company. We’re the largest mortgage provider to offer 95% Loan to Value (LTV) mortgages without using the Government’s mortgage guarantee scheme. 123 movies. However, the company can become a secured creditor, by making the appropriate court order: 1) If you are unable to come to an arrangement, the company may issue a CCJ summons. Total amount repayable is €145,028. Whatever your background or circumstances, we can help. Nationwide usually refuses to offer mortages go anyone who doesn’t fit their choices, but other options would still be available. Now, I'm 25 and worried sick about not being able to secure a mortgage. UK: 0345 609 25 30. Your creditor can only apply for a charging order if they've already got a county court judgment (CCJ) against you. Wiki User. A decision in principle (otherwise known as a mortgage in principle, agreement in principle or DIP) is a very early stage of the mortgage application process and determines not only whether a lender is prepared to lend the money but also the amount they can lend. e. We don't place you into a loan profile formula created by the banking industry. We handle nationwide collections, legal services and enforcement. , we treat each customer as an individual, not a number. You could lose your home if you do not keep up payments on your mortgage. gov. Nationwide does offer mortgages to people with certain types of bad credit, such as county court judgements (CCJs), but others are a deal-breaker. 74. So, getting a mortgage with a CCJ is certainly possible, it just might take you a bit longer to get there. An Individual voluntary arrangement. Call 1-877-669-6877 for insurance help. A County Court judgment (CCJ) is a court order telling you to pay your debt. . Forum Rules | Help. Step 1 of 2. Whether it’s understanding credit details, choosing between mortgage options, or getting clarity on market trends, we’ve got you covered. A charging order basically comes with a document called a “charge document”. Only pay the interest on your mortgage for 6 months. 429% and the average APR for a 5-year adjustable-rate mortgage (ARM) rose 2 basis points to 8. So, if your. We are your trusted advisors, guiding you on your unique homeownership path. Use the main board for electricity and gas, or explore the sub-boards for water and other fuels. You can confirm our registration on the FCA's website (opens in a new window) Nationwide is not responsible for the content of external websites. . Having multiple CCJs can also make it harder to get a mortgage. This means that with the right advice and preparation, a CCJ shouldn’t stop you from getting a mortgage. Regular savers earn 6% interest (HSBC, First Direct, M&S) Loans cost 2. Explore our residential and buy-to-let lending criteria. Finding a buy to let mortgage can be difficult at the best of times, and the process is made no easier if you have adverse credit or a CCJ registered against you. There are several other factors to consider when deciding if refinancing your home. on a fixed rate mortgage deal with less than 6 months left. Some consumers may be able to pay what they owe immediately or set up a satisfactory payment plan with the creditor. Insurance. If the transaction is a gift, the UK gifts criteria will be followed. Paying off any CCJs as soon as you can and. Protecting what’s most important. Although getting a mortgage with a CCJ isn't straightforward, it certainly isn't impossible. November 02, 2023. If the CCJ was registered within the last twelve months, then it should be a maximum of £1,000 for you to be considered for an 85% LTV mortgage. 7% in the 12 months to September, according to latest ONS data, leaving the Bank of England’s next interest rate decision hanging in the balance. Of course in theory you could say no on the basis it's not on the record, but that would be a really bad idea as lying on a mortgage application is fraud and the bank/building society will show. Hello So we have just got our credit files and it shows my husband has a CCJ from 5 years ago for £400 we didn't know about this. O. There are a few that might accept after 2 years clear, if you have no other adverse debt. We offer competitive residential and buy to let products with six-month extensions on new build offers. A CCJ check is used to determine if an individual has any County Court Judgments (CCJs) against them. This capped the amount of money buyers could use from gifted deposits. KPR (Nationwide) issuing CCJ. Get a Decision in Principle; Guide to buying your first home; Gifted deposit; Guarantor mortgages;Welcome To Nationwide Mortgage, Inc. Read and agree to the terms of the authorization agreement. McKinnon analyzes his clients' loan files to match. Nationwide have not been very open and have tried to dodge my question in regards to there motives, example applying for another CCJ etc however…The biggest limiting factors are if the CCJ is less than 12 months old, or if it’s a high balance of £1,000 plus in the last two or three years. Halifax mortgage lending criteria. Request a call back or call us on 0330 433 2927 to get in touch. This means paying your bills on time and keeping your credit utilization low. As a mortgage is secured against your home, it may be repossessed if you do not keep up. Buy to Let Mortgages with CCJ. You can increase the length of your mortgage so you pay less each month. The question “can you get a mortgage with a CCJ?” is one of the most frequently asked by our clients and, thankfully, to most of them we can say YES!There ar. Remortgaging. Possibly, but unlikely, the creditor goes back to court to ask permission to enforce the debt and gives the court a good reason as to why they haven't bothered to enforce the debt in the last 6years. The CCJ will appear on your credit report - this is the information that a credit reference agency provides to the company you want to borrow money from. The higher the risk you pose to the lender, the higher the deposit required. In Scotland, a process is known as “Enforcing a debt by diligence”. Nationwide Investment Services Corporation, member FINRA. For many though, with loans or credit cards, missing any payments will often result in the lender serving a notice on your credit file. 99 Trophy Club Drive, Trophy Club, TX 76262. Hello. Our mortgage repayments calculator can help you find out how much your monthly mortgage repayments might be, or how a rate change could affect your repayments. It’s a case of finding the right specialist. While it will be more difficult, there are a number of mortgage lenders in the UK that will consider borrowers with CCJs. Here are some tips for getting a mortgage with a CCJ: Make sure you have a good credit score. sammyj84 Posts: 61 Forumite. The CCJ is an order from the court instructing you to repay the debt or a smaller agreed amount. If the CCJ was registered within the last twelve months, then it should be a maximum of £1,000 for you to be considered for an 85% LTV mortgage. Mortgage ArrearsA County Court judgement. News About the site MSE's Editorial Code How we're financed Martin's blog MSE Forum. Most lenders offer different tiers of products when it comes to mortgages with CCJs. On Trustpilot, Nationwide has a rating of 1. Overdrafts and credit cards are the best way to evidence borrowing and repaying. Cambridge Building Society. Our mortgage support pages can help with everything you need to manage your Nationwide mortgage, all in one place. Your new mortgage refinancing rate is. Please Register to get the most out of the forum. You can use our calculator if you’re: a first time buyer. . Getting a mortgage with a CCJ (county court judgement) on your credit record is possible with our Near Prime mortgages, as long as it meets our lending criteria. Here are some tips for getting a mortgage with a CCJ: Make sure you have a good credit score. Remortgaging. On exploration, it said that I had a CCJ of £448 from 5. Scroll down to Saved Refund Methods and click Add Refund Method. Hello guys, up until may this year i was in serious debt with o/s debts of £28K, but my parents kindly gave me the money to pay it back, i am paying them back every month, quite comfortably, anyway without digressing, My hubby and I would like to move, we have no o/s debts apart from the current mortgate, of which we have never missed a. I wandered if a DMP would halt thye CCJ for 60 days and then as the other creditors are 83% of the debt Nationwide would have to go along with the majority. The answer is yes – but it may not be as easy as it was before. it had been paid by Nationwide. A default ( especially a mortgage default) A bankruptcy. Edmondson and the Clarks allege that Eagle Nationwide referred them to Genuine Title because of an illegal kickback. hello@createfinance. However, the unsecured loan must be covered under the Consumer Credit Act for a charging order to be issued. Simply put, a legal charge on property is a document that converts your unsecured loan into a secured one. Our guide talks you through how to find the best deal, where to look for a good mortgage broker and other key need-to-knows. Deals & Shopping. 9% per year (Nationwide) = FREE money. Making a payment is easy with Nationwide. 86.