Useful guides for First Time Buyers...
It's a good idea to get organised before you apply for a mortgage. There are few things you can do to help make the whole process smoother and help improve your chance of being approved.
Get a feel for the different types of mortgages available with NatWest. Here we explain the features and benefits of fixed rate, tracker rate and offset mortgages to allow you to gain an understanding of what's available.
Help to Buy: 5% Deposit Mortgages
We’re supporting the Government's Help to Buy: mortgage guarantee scheme which will open up more mortgages for people with small deposits. This means you could buy your home sooner.
Specific criteria applies. Read through our guide, review our frequently asked questions and gain an understanding of how the scheme works.
Ways to apply
Applying for a mortgage with NatWest
There are many ways to apply for a NatWest mortgage - online, over the phone or in branch.
You can choose to take a mortgage with advice or without.
Talk to us for advice
Our advice service is available either in branch or over the telephone and may suit your needs.
You’ll benefit from one of our qualified advisers assessing your needs and recommending a mortgage we believe is suitable for you.
If you're confident in applying without advice, you can apply for your mortgage online. It's important to note that you will not benefit from the protection of us assessing the suitability of your mortgage for you and therefore if your choice turns out to be inappropriate, we will not offer you compensation.
You cannot self-serve online if you are applying for a Help to Buy, Right to Buy or shared equity mortgage, are borrowing into retirement or are consolidating debt as part of your mortgage application.