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Buying a second home

Buy to let or holiday home?

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How much stamp duty will you pay?

Mortgaging your second property

Thinking of buying at auction?

Ready to get started?

Find out how much we could lend you

Buying to let or dream holiday home?

There are lots of reasons why you might want to buy a second property. Before you go ahead, make sure it's something you can afford and that you're aware of all the potential costs involved.

How much Stamp Duty will you pay?

If you buy an additional property you may have to pay a stamp duty surcharge.

Getting a mortgage for your second property

Buying a holiday home

Your lender will need proof that one of your properties is used as your main home.

You'll also have to explain the purpose of the second property.

You can then apply for a second residential mortgage to help buy your new home

If you get a mortgage for a holiday home, you won't be able to rent it out. If you're intending to rent it out you should apply for a commercial loan

NatWest mortgages are available for over 18s on UK properties.

Take a look at our mortgages

Buying a property to rent out

Look into the condition and location to make sure it's a sound investment.

The amount you earn in rent will have to exceed an agreed percentage of your monthly mortgage repayments

Some lenders will limit the amount you can borrow to buy a rental property, or the number of buy to let mortgages you can have

NatWest mortgages are available for over 18s on UK properties.

More about buy to let mortgages

Thinking of buying at auction?

If you're considering buying a property at auction, our guide can help you understand what's involved and what costs you may have to cover.

Read our guide

Find out how much you could borrow

Our calculator can help you see how much you may be able to borrow and what different mortgages could cost you.

How much can I borrow?

Get an Agreement in Principle

This will help to show estate agents that you're serious about buying a second property, and it won't impact your credit file.

Get an Agreement in Principle

The home buying process

House surveys and mortgage valuations

Buy to let or holiday home?

Buying to let or dream holiday home?

How much Stamp Duty will you pay?

Getting a mortgage for your second property

Buying a holiday home

Buying a property to rent out

Thinking of buying at auction?

Ready to get started?

Find out how much you could borrow

Get an Agreement in Principle

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