Nationwide Mortgages - Pension Salary Sacrifice

I currently pay a 4% pension contribution through salary sacrifice (along with a very small element of travel insurance salary sacrifice which I'm less worried about). I am hoping to take advantage of Nationwide's Helping Hand mortgage scheme but I'm unclear as to whether the multiplier is based on my pre- or post- salary sacrifice pay. The Nationwide Intermediaries advice page suggests payslip (or credit bureau) support is needed for my pay, however if you then click on the payslip guide it says to ignore pension deductions. My payslip does not show my salary sacrifice (although I can easily provide a pension statement or similar) so I don't know where I would stand.

Does anyone have direct experience with Nationwide and whether they're likely to include or exclude the pension contribution from my income multiplier? It is discretionary so I can opt out at any time.


  • Brie
    Brie Posts: 9,265
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    No experience with Nationwide but my former employer was always happy to provide a letter with basic salary etc for mortgage applications to go along with the payslips.  And wouldn't there be something on your P60?
    "Never retract, never explain, never apologise; get things done and let them howl.”
  • This happened to my husband and they will only accept the salary on your payslip and if like my husband it's reduced and no pension mentioned then they won't lend on the full salary. 
    You either have to cancel it or see if you will accept a letter from your employer to confirm your salary.
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