Nationwide’s mortgage API

We’re always looking for ways to help brokers place business simply and efficiently, which is why our mortgage Application Programming Interface (API) allows you to create Remortgage and New Purchase Decision in Principles (DIPs) in third party platforms, which we'll continue to improve.

Tip:

Our API makes it up to 15 minutes quicker to get a DIP and helps to reduce keying errors.

How to use Nationwide's API

All you need to do is enter the customer data into your CRM platform and, where relevant, it will be transferred to the third-party platform. This means you don’t need to duplicate all the information.

You can get DIP Certificates for New Purchase applications within third-party platforms. Once you've got your API DIP, the third-party platform will provide a case reference and a link to NFI Online. You will need to follow this link to pre-populate data into NFI Online and use the case reference to find the case. Proceed through DIP to get the decision and then continue to Full Mortgage Application (FMA). The platforms don't currently accept FMAs, so you can submit these via NFI Online. If the DIP result is 'Refer', you’ll need to send it to NFI Online and wait until it's accepted to progress.

Third party platform support and information

Choose your third-party provider below to find the support available and see if your application can be submitted through the API. For any application you can't submit through these platforms you can complete them via NFI Online.

Twenty7tec Smartr365 Acre Iress

Twenty7tec This will reveal additional content

Support

For guidance on how to submit an application through Twenty7tec, you can watch their video

For technical fault or keying queries, please call 01202 553457 or visit the Twenty7tec website.

Platform name

Apply

Application types

You can get Purchase and Remortgage DIPs within our API provided the case doesn’t include any of the below.

Your clients are existing customers moving home.
Porting
Right to Buy.
Help to Buy.
Equity Share.
Shared Ownership.
Restricted Resale Price.
Genuine Bargain Price.

For Helping Hand, you'll need to select ‘Yes’ when asked ‘Are they applying for a Helping Hand product. You can find this under the Mortgage Details section of the DIP.

Smartr365 This will reveal additional content

Support

For guidance on how to submit an application through Smartr365, watch their video here

For any technical fault or keying queries, please go to the Smartr365 website for support.

Platform name

Smartr365

Application types

You can get Purchase and Remortgage DIPs within our API provided the case doesn’t include any of the below.

Your clients are not British or Irish.
Applications are keyed by an Administrator.
Your clients have a BFPO address.
Your clients are retired.
The property doesn't have a street name.
Your clients aren't the ‘Owner Occupier’ of the security property.
Existing customers moving home or porting 'like for like' or with repayment or interest only top up.
Using a housing scheme, for example Helping Hand/Right to Buy, Help to Buy, Equity Share, Shared Ownership, Restricted Resale Price or Genuine Bargain Price.
Using interest only and part and part.

Additionally for Remortgages, if the case includes any of the below, the API isn’t available.

Your clients have lending into retirement.
Your clients have additional mortgages and subsequent charges.
Your clients are self employed, has more than one job, is a contractor or on a temporary contract (subject to criteria).

Product reservation and DIP reprocessing aren't available. For a product reservation, you will need to send the case to NFI Online. For DIP reprocessing you can pre-populate the DIP into NFI Online and use the 'Change Data' function to make changes.

Acre This will reveal additional content

Improvements Wednesday 19 March:

You can now submit applications for Product reservation and DIP reprocessing, as well as more application types for Purchase and Remortgage.

Support

For guidance on how to submit an application through Acre, watch their video here

For any technical fault or keying queries, please contact them at support@myac.re.

Platform name

Acre

Application types

You can get Purchase and Remortgage DIPs within our API provided the case doesn’t include any of the below.

Porting for product reservation
Additional borrowing.
A DIP without a property.
Forces Help to Buy as a deposit.

For a Right to Buy Purchase, we can only lend up to the purchase price.

Iress This will reveal additional content

Support

For guidance on how to submit an application through Iress, and any technical fault or keying queries, please go to the Iress website for support

You can contact them on 03450 683 000 or email them at mortgagesupport@iress.com

Platform name

Lender Connect

Application types

You can get Purchase and Remortgage DIPs within our API provided the case doesn’t include any of the below.

Your clients are not British or Irish.
Applications are keyed by an Administrator.
Your clients have a BFPO address.
Your clients are retired.
The property doesn't have a street name.
Your clients aren't the ‘Owner Occupier’ of the security property.
Existing customers moving home or porting 'like for like' or with repayment or interest only top up.
Using a housing scheme, for example Helping Hand/Right to Buy, Help to Buy, Equity Share, Shared Ownership, Restricted Resale Price or Genuine Bargain Price.
Using interest only and part and part.

Additionally for Remortgages, if the case includes any of the below, the API isn’t available.

Your clients have lending into retirement.
Your clients have additional mortgages and subsequent charges.
Your clients are self employed, has more than one job, is a contractor or on a temporary contract (subject to criteria).

Product reservation isn't available, in order to reserve a product you will need to send the case to NFI Online.

A-Z criteria

Search our A-Z criteria to find what you’re looking for.

A-Z criteria

Affordability calculator

Find out the maximum borrowing your client(s) can borrow before completing a DIP.

Use our affordability calculator

DIP refer cases

Read our DIP refer cases page to find out the next steps and more key information.

DIP refer cases