First Time Buyers Mortgages | NatWest


First Time Buyers

We're here to help with our range of low deposit mortgages.

NatWest mortgages are available to over 18s

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

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First time buyers get £500 cashback

Take out a first time buyer exclusive mortgage with NatWest and get £500 cashback, paid to your solicitor on the day of drawdown of the mortgage. It's as simple as that.

Available on first time buyer exclusive products only. Max LTV 90%. Offer can be changed or withdrawn at any time. Early repayment charges may apply. 

Find out more

Steps to buying your first home

1. Explore your options

So you're looking at getting your own place? Exciting!

Find out how much you could borrow and take a look at our mortgage range with our Mortgage Explorer tool.

It's everything you need to get started, all in one place.


2. Search for a property

Maybe you’ve got your eye on a specific home or area?

An online mortgage Agreement in Principle puts you in an ideal position to begin bidding for properties with confidence.

We ask for some details on your income and outgoings and in return we’ll give an indicative decision on whether we can lend the amount you need.


Choose how you wish to apply

So you've got an Agreement in Principle? Great. You can now choose how you wish to apply.



In branch or by phone

Talk to one of our qualified mortgage advisers over the telephone or in branch and receive advice in relation to your application.

We'll review your financial situation, assess your needs and recommend a NatWest mortgage we believe to be suitable for you.


Call us

0800 096 9527

or arrange a free call back


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


Minicom 0800 917 0526



If you are confident in choosing the right mortgage and are happy to take responsibility for your choice of mortgage without any advice, you can apply online today.

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.

Please note you cannot apply for a Help to Buy mortgage online.


Apply online today

Ready to get started?
Mortgage Explorer

We are a member of the Financial Services Compensation Scheme (FSCS). Further information is available here (650k PDF) or visit

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