First Time Buyers Mortgages | NatWest

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First Time Home Buyers

Get on the ladder with our range of award-winning low deposit and cashback mortgages, and see how our mortgage calculators can help you.

NatWest mortgages are available for over 18s

Calculate my mortgage

Your home may be repossessed if you do
not keep up repayments on your mortgage


Get started with our first time buyer mortgage calculators

 

Compare rates and monthly repayments

See our first time buyer mortgage rates, including 5% deposit and cashback mortgages, and compare monthly repayments and deals.

Find out how much you could borrow

If you have your eye on a property, an Agreement in Principle puts you in an ideal place to begin searching for your first home with confidence.

Easily compare mortgage rates and deals

Get an indication of the monthly repayment

Search our mortgages

A personalised indication of how much you could borrow

No impact on your credit file

Get an Agreement in Principle

First time buyer offers and schemes

 

95% Mortgages

You could borrow up to 95% of the value of the property you wish to purchase, with a deposit of at least 5% but less than 10%.

The property you’re purchasing should be worth less than £600,000 and not a new build property.

 

 

More on 95% mortgages



 

Cashback Mortgages

Choose any 'cashback' mortgage deal, apply with us and we’ll pay £250 cashback to your solicitor on the day you drawdown your mortgage.

The offer is only available on selected mortgages marked with ‘cashback’ and can be changed or withdrawn at any point. Early repayment charges may apply. Max LTV 90%.

About cashback mortgages






Help to Buy: ISA

A helping hand towards your first home.

With the 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, so you could get up to £3,000 towards your first home. Conditions apply. Available to first time buyers aged 16 or over and UK resident.

More on Help to Buy: ISA

How to apply

 

In branch

Meet with a qualified mortgage adviser at your local branch and get advice on which mortgage is best for you.

You’ll need to make an appointment in advance by giving us a call or popping in to branch.

Your appointment will take around 2 hours.

Apply in branch

Applying in branch

Give us a call to book an appointment with a branch mortgage adviser, or find your local branch.

Call 


Opening hours: Mon-Fri 8am-8pm, Sat-Sun 9am-4pm. Excluding public holidays. Calls may be recorded. Minicom 0800 027 1396

Top tip

Before calling us, it may be useful to find out how much we could lend with an online Agreement in Principle

By phone

Talk with a member of our mortgage team over the telephone.

We’ll talk you through the process and arrange a phone appointment with a qualified mortgage adviser.

Your appointment will take around 2 hours.

Apply by phone

Applying by phone

Give us a call to book an appointment with a mortgage adviser over the phone.

Call 
Or arrange a free call back


Opening hours: Mon-Fri 8am-8pm, Sat-Sun 9am-4pm. Excluding public holidays. Calls may be recorded. Minicom 0800 027 1396

Top tip

Before calling us, it may be useful to find out how much we could lend with an online Agreement in Principle

Online

Apply online if you are comfortable in choosing a mortgage without advice from us.

You won’t benefit from the protection provided by our advised service.

You cannot apply for a Right to Buy, shared equity, interest only or 95% mortgage online.

Apply online

We're here to help

If you have any questions about getting a mortgage with us, please get in touch. You can chat online or by phone, or visit your local branch.

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