Moving home

A yes could mean a chance to make new friends

Mortgage quote & how to apply 5% deposit mortgages Lending decision
Your home may be repossessed if you do not keep up repayments on your mortgage

How to apply for a mortgage

In branch, by phone or online

1. Get an online indicative lending decision

2. Review your mortgage quotes

3. Decide how to apply

You can book an appointment in branch or on the phone, or apply online if offered

Get started

How can we help?

Mortgage tools to get you started

How much can I borrow?

Work out your borrowing potential over 25 years

Our how much can I borrow tool quickly gives you an indication of the maximum amount we might be able to lend you over 25 years without the need for personal details.


Would we lend to you?

Using personal data & a soft credit search, you can find out if you are likely to get a mortgage and how to apply.

Input your personal details and you could receive an indicative lending decision instantly online, based on a soft credit search that will not impact your credit record or your ability to obtain credit elsewhere.

  • Quotes for additional borrowing refer to the Mortgage Rate Finder
  • Already have a mortgage with us and your deal is ending soon? View Deals
  • Interested in Buy to Let review our specific pages and contact us direct


Mortgage rate finder?

Review our current mortgage range


Call us / free call back

How can we help?

Call us or we can call you

Call 0800 096 9527

Call Me - Free call back service

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

We have online tools that may save you a call

Intention to lend Manage Your Mortgage Online

Customers with hearing and speech impairments can contact us by using

Minicom number 0800 917 0526

Here every step of the way

Moving home with NatWest

Do you have a mortgage with another lender?

When you’re moving home there’s always a lot to think about. If you're currently with another lender but want to know what mortgage rates we've got available, use our tools and guides here or talk to us to find the right NatWest mortgage for you.

Already have a NatWest mortgage and moving home?

You can move your NatWest mortgage with you (moving your mortgage is subject to conditions) or look for a new deal when you move home. Find our more about Managing your current NatWest mortgage.

Search our mortgage rates

What kind of mortgage are you looking for?

Use our mortgage calculator to help you find the right mortgage and work out monthly repayments that could save you money compared to your existing repayments.

Mortgage Calculator

Helpful tools

Tools to help you plan

Use our range of tools to help you choose the right mortgage for you. Search our mortgage rates, work out how much you can borrow and how future rate changes could affect your repayments.

Use our Offset flexible mortgage calculator to see how much less you could be paying each month if you set your savings against your mortgage. 

Helping you pay off your mortgage earlier

Offset flexible mortgage


Find out what offsetting could mean for you and see how much less you could be paying each month if you set your savings against your mortgage. 

See our Offset Flexible Mortgage

Offset mortgage at a glance


Interest rate


Overall cost for comparison

Product fee

4.00% variable

4.2% APR


Minimum deposit: 20% for capital and interest repayment option

Purpose: Purchase or remortgage

Moving home

Useful guides and videos

Mortgage Guides

What types of mortgages are there?

View transcript

Video: How does the application process work?

View transcript

Home Insurance

Are you covered?

Once you exchange contracts, your lender will insist that there is adequate buildings insurance cover in place and it is advisable to also take out contents insurance. This can be arranged to start at a date in the future, so that it's one less thing to think about.

Go to our Home Insurance section

Frequently asked questions

What other people are asking us

Any other questions?

View all Common Questions?


We've won more awards

NatWest has been awarded 'Best Bank for Mortgages' for an impressive 20th time in the past 24 years in the 2014 'Your Mortgage' awards and for the 5th year in a row we’ve also won 'Best First Time Buyer Mortgage Lender'.

In addition we've also been awarded 'Best National Bank' for the second year in a row in the 2013 'What Mortgage' awards and for the first time we've been awarded 'Best Lender Customer Service'.

Your Mortgage

Best Bank


Your Mortgage

Best First Time Buyer Mortgage Lender


What Mortgage

Best National Bank


What Mortgage

Best Lender
Customer Service


See more about our award-winning service

Helpful banking

Protecting your money

With our account monitoring and online fraud protection promise, it's no wonder our customers voted us the UKs most trusted mainstream bank for 2013.

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 or visit www.fscs.org.uk.

Moving home

How can we help?

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