First Time Buyer Guide | NatWest

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Your first home

Everything you need to help you get a foot on the ladder

Your Mortgage Agreement in Principle
What can you afford?

Mortgage Agreement in Principle

An indication of whether we could lend you the amount you need to borrow.

Mortgage calculator - our mortgage rates

See our rates and work out what your mortgage might cost each month

Savings Goal Tool

Use your NatWest savings account to start a savings goal towards your deposit

Home owning could be Rewarding


If you are becoming a home owner, you can pay your household bills by direct debit, as we'll give you 3% back in Rewards with one of our Reward accounts.  That's council tax, gas, electricity, water, phone, TV and broadband bills. That means for every £100 of household bills you get £3 back.  Monthly account fee applies.

Compare our current accounts See how many Rewards you could earn
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Help to Buy:ISA

Saving a desposit to buy your first home can be a challenge, but now there's a way you can get a helping hand.

With our new Help to Buy: ISA, when you purchase your first home the UK Government will pay you a bonus of 25% of your closing savings balance e.g. £50 for every £200. So you could get up to £3,000 towards your first home.

Find out more about our Help to Buy:ISA
Did you know that 69% of Millennials believe they will have saved enough money for a deposit in the next 5 years?
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The results of NatWest's Millennials Home Buying Survey reveals how young people view the current UK housing market in 2015, discusses the challenges that first time buyers face and the idea of generation rent.

Discover the highlights of this survey along with more detailed information according to region, gender, age, current living situation and stage in the house buying process.

Find out more highlights of the Millennials Survey

Moving from Renting to Buying

Add your signposting title here… How to get your foot on the ladder

Our Moving Tales are a collection of real stories from real people who have got a mortgage and bought a home of their own. First-time buyer Alice explains why she decided to get on the property ladder and stop renting.

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