First Time Buyer

We're here to help when it comes
to buying your first home.

NatWest mortgages are available for over 18s

How much could I borrow? I need an Agreement in Principle

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

Getting started is easy...


Find out how much you could borrow

Borrowing Calculator

Before you start looking for a house, you need to know how much you can borrrow.

We'll look at your income and outgoings and give you an idea of how much we could lend to you.

Take a look at our rates and deals

Mortgage Rate Finder

Find out what your repayments are likely to be and whether there are any additional fees or repayment charges.

How to apply for a NatWest mortgage

How to apply

You can apply in branch, over the phone or online. Take a look at the options and find out what's best for you.

Find out more and choose your preferred level of service.

Useful guides for First Time Buyers...

Getting prepared

Get prepared to apply

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.


Mortgage types

NatWest mortgage types

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.


Mortgage process

Mortgage process guide

Knowing where to start in a maze of mortgages can be daunting. Our end-to-end guide walks you through the home buying process from initial thoughts right through to the day you receive the key to your home.


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. 

Find out more about Help to Buy

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

Telephone mortgage team member providing support to first time home buyers.

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.

Self-serve online

First time buyer self-serving by applying for their mortgage online via their laptop

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.

Call us

How can we help?

Call us



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

Customers with hearing and speech impairments can contact us by using

Minicom number 0800 917 0526

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Mortgage FAQs

Can't find what you are looking for? Search our mortgage questions

Protecting your money

We are a member of the Financial Services Compensation Scheme (FSCS). The Scheme can pay compensation to customers if they are eligible and the Bank is unable to pay claims against it. Compensation limits for Mortgage advice and arranging (for business conducted on or after 31 October 2004) - maximum £50,000 i.e. 100% of first £50,000 per person. Further information is available here  ( 650K PDF) or visit www.fscs.org.uk.

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