NFI Online FAQs
March 2017 improvements - FAQs
Both NFI Online and NFI MTE will be unavailable from 8pm Friday 3 March until 8am Monday 6 March.
No, there haven’t been any changes to the way affordability is calculated, we are now simply searching multiple credit bureaus instead of the single bureau we used to.
Yes, you can still get a DIP decision for your client, but this won’t include a decision on the property and you’ll still need to enter the security details before you can proceed to Full Mortgage Application.
As long as a DIP decision hasn’t been obtained, you can revisit the DIP section and amend the property details. If a DIP decision has been received and you’d like to change your clients address, this will need to be done via a new application.
If you want to challenge the property decision you can use the DIP property decline form (which can be used from 6th March 2017). Please complete the form along with appropriate evidence/valid reason so your challenge to be considered.
As we’re contacting multiple credit bureaus when performing a credit search, it may feel like it takes a little longer to get your DIP decision. This should never be more than one minute.
Following the system updates we’re now searching multiple Credit Reference Agencies, which may mean that we’re able to find more credit history on your client than before. Any submitted applications where decisions have changed unfavourably will be automatically picked up by an Underwriter and assessed.
Using the system
If you want to process mortgage applications with us, you’ll need to register. Instructions can be found on our Register for eServices page.
Contact the MTE Helpdesk on 0871 385 0055 to reset your security information.
Two hours after you’ve submitted the case, you’ll find the application form is available for you to save and print in NFI Online, under ‘Case home’ then ‘case documents’.
If you’re having problems printing documents, it may be that you’re using an unsupported browser.
If you’re not using Internet Explorer, please download this browser and you should be able to print your documents without any issues.
You can contact one of our experienced advisers on Broker Chat. They’ll review the case and consider your reasoning before advising you of any available options.
In NFI Online, all of your cases have a ‘Case home’ page with six tabs that update automatically to keep you informed of our progress.
More details can be found in our Case Tracking guide.
You need to allow up to 2 hours for MTE to send Nationwide your new registration. If the problem persists, you can contact one of our experienced advisers on Broker Chat.
Please check your spam or junk email to check that we haven’t attempted to email you regarding your registration. If not, you can contact one of our experienced advisers on Broker Chat.
Yes, if your DIP decision is either ‘Accept’ or ‘Declined’ due to affordability or criteria, you can change the original data to reprocess and therefore receive a new decision. For more details, read our DIP Reprocessing Guide.
Unless the existing DIP has expired, you won’t leave another footprint against your client’s credit rating.
This means the case needs more investigation and will be reviewed by an underwriter within 48 hours. There are a number of reasons why this may be, such as we might not be able to verify details for an existing customer, the applicant’s credit history may not be satisfactory etc.
Please do not attach any documents at this stage as this may delay the decision.
It’s very important to ensure that the information you’ve keyed is accurate. If anything’s incorrect, you’ll be sent an underwriting request to make changes, which will delay your decision.
An underwriter will conduct an initial review of the case within 48 hours of the DIP referral. Please don't attach any proofs to the case at this stage as this will slow down the decision.
The underwriter will then make one of three decisions:
- Decline- unfortunately upon reviewing the application we are unable to lend.
- Subjective accept- happy to approve please proceed to full application as soon as possible.
- Subjective referral- we are unable to make a decision without a full review including assessment of requested documents. In this instance, an email will be sent advising of the requirements and once all documents are received it will be passed back to an underwriter for a full review.
Once an initial decision has been made, you’ll be notified of the decision via email. You can also view the decision on NFI Online > Case home > DIP.
Your decision outcome will either be a ‘subjective accept’, 'subjective referral' or ‘subjective decline’. We won’t provide a decision on a ‘subject to’ basis.
If the outcome of the referral is a ‘subjective accept’ then you can proceed to full mortgage application. Providing there are no further changes required, the only outstanding case requirement will be the valuation report.
Yes you can, but please be aware that any fees paid could be lost if the case can’t proceed.
In order to amend your DIP, you’ll need it unlocked first. Broker Support can do this and can be contacted on Broker Chat.
No, but if you want to create a KFI before the DIP in NFI Online, you can promote the KFI data into the DIP process which will save you having to key the data again.
You can speak to one of our experienced advisers on Broker Chat.
Once the DIP has been scored you are unable to amend the current and previous address history, or applicant’s name. Please contact Mortgage New Business on 0800 464 3000 for further guidance.
Scan and Attach (sending proofs)
You can attach PDF or TIF files.
The maximum file size we can accept is three megabytes. If the file is larger than this, please split the document into smaller sections and either submit each part individually or fax the documents to us.
For simple step-by-step instructions on how to fax documents, read our Faxing Documents guide.
If a statement’s been requested as a case requirement, rather than ask your client for their statement(s), simply complete this form and Scan and Attach to clear the requirement.
It’s likely that you’ve clicked on ‘view’ instead of ‘edit’. When in view mode, you can’t edit any part of the application.
To try again, simply go back to ‘My home’ and click ‘edit’.
It may be that your system is refreshing each page as you progress.
To overcome this in Internet Explorer, try changing the browser refresh settings to ‘automatic’. You can do this by going to Tools > Internet Options > Settings > General, then make sure ‘check for newer version of stored pages’ is set to automatic.
The case has been opened using 'View' rather than 'Edit'. Click on 'My Home' at the top of the page and then reopen the case using the 'Edit' link. If this doesn’t work, you can contact one of our experienced advisers on Broker Chat.
- Check the solicitor firms name and address is spelt correctly.
- Check if the solicitor firm has more than one address.
- If your client's solicitor isn't on Nationwide's panel, your client can either change their solicitor for one that’s on our panel, or the non-panel solicitor can be instructed to act for your client only. We’ll nominate a separate panel solicitor to act for Nationwide and all costs, including those charged by both solicitors must be met by your client. This is known as dual or separate representation. If your client wants to continue and use this process, please call us on 0800 464 3000.
We hope we’ve covered most of the common questions, but if you’re still unsure about something, you can contact one of our experienced advisers on Broker Chat.