NFI Online FAQs

If you want to process mortgage applications with us, you’ll need to register. Instructions can be found on our Register for eServices page.

Your NFI Online login details are the same as you use for the Mortgage Trading Exchange (MTE). You can request for your login details to be reset by completing the Mortgage Brain Contact Form

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 can only submit your own mortgage application via Nationwide.co.uk or a Nationwide branch. Alternatively, your application can be submitted by another intermediary.

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.

If your DIP is declined due to affordability or criteria, you can appeal by getting in touch with your BDM. If you need to appeal a decline that’s been submitted to FMA, please call our Mortgage New Business team.

If your DIP is declined due to the property, you can appeal the decision by completing the DIP Property Decline Appeal Form.

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.

No, but if you want to create a Mortgage Illustration before the DIP in NFI Online, you can promote the Mortgage Illustration 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.

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 know the postcode you can use the ‘What Region?’ finder on our House Price Index calculator. If you don’t know the postcode, please refer to this map which details all regions nationwide.

If you want to challenge the property decision you can use the DIP property decline form. Please complete the form along with appropriate evidence/valid reason so your challenge to be considered.

If your client is looking to borrow between 80% and 90% LTV, you’ll need to select the ownership type as 'Standard' within the Loan Requirements screen. Where the question asks 'Does this application relate to a Nationwide or External Scheme?', select 'Help to Buy'

Following this, select 'Pay off second charge' within the Additional Borrowing screen, which will enable you to access the products.

Then key both of the existing loans (i.e. the mortgage with another lender and the Help to Buy equity loan) with a £0 balance. This will instruct the Conveyancer to ensure that both loans are redeemed.

Please note, this process only applies to cases between 80% and 90% LTV. For cases under 80% LTV, please key as per a standard Remortgage case.

For simple step-by-step instructions on how to attach documents, read our Scan and Attach guide.

You can attach PDF, TIF or JPEG files.

The Maximum file size we can accept is nine 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.

We've replaced the 'Edit' and 'View' buttons with a single 'Open' button, so your case will always open in edit mode, unless:

• Someone else has the case open in edit mode
• The case has been fully submitted

Some decline decisions will also mean that a case can't be edited.

If you're still having trouble editing the case, contact one of our experienced advisers on Broker Chat.

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.

• 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.