Find out how to move home with NatWest
NatWest mortgages are available to over 18s. Your home may be repossessed if you do not keep up repayments on your mortgage.
Your steps to moving home with us
Find out how much your property is worth
An estate agent can give you an evaluation, or you can get a rough idea of value by looking up the selling price of similar properties in your area. Then you can use our calculators to see how much we might be able to lend you.
Check how much is left to pay on your mortgage
Look at the latest mortgage statement you received from your current mortgage provider to see how much is left to pay. Here’s some good news: move your mortgage to us and we'll pay your valuation and legal fees. (Exclusions apply.)
See if there are any outstanding charges
Your current provider might ask for an Early Repayment Charge (ERC). Check your paperwork to see if it applies.
Also, many lenders will charge an exit fee for closing your mortgage account with them, even if you are outside an introductory deal. These tend to be between £50 and £300.
If you haven't yet thought about how you will pay off your current mortgage early, read our mortgage repayment guide.
Compare our mortgage rates
Enter a few details into our mortgage rate calculator and we’ll show you all the NatWest mortgages that could be right for you, based on what you've told us.
Thinking of borrowing more? No problem, it's easy to vary the amounts in the calculator.
Get an indicative decision
You’ll need to get an Agreement in Principle to see if we think we may be able to lend you the amount you require.
This isn’t a firm decision, but it’s the most accurate result we can give you without performing a full credit check. It won't take long and it won’t affect your credit score.
Before you apply
What you need OpenClose
It will help if you have the following documents handy
We’ll ask you about the property, your income and expenses and dependants.
If you’re applying for a joint mortgage, we’ll need to know the same details about the other person who is applying with you.
What you'll need to apply online today
Income - Your gross income details, this should match the amounts shown on your proof of income documents e.g. pay slips and details of any other income you have
Outgoings - Details of any loan repayments and any credit card balances
Address - Your current address and post code and the date you moved to this address
Bank details - Your bank account and sort code number
Contact details - Your employer's, solicitor's and estate agent's address
What you need to know
More details about eligibility
To be able to complete a mortgage application with NatWest, you must answer yes to the following:
You're planning to buy a home based in the UK
You're a UK or EU national, resident in the UK and aged 18 or over
You're paid in pounds sterling
You haven't been declared bankrupt in the past six years
You haven't had a County Court judgment against you in the past six years
You haven't had a property seized or defaulted on a mortgage
You haven't ever organised a repayment plan with creditors
Credit checks OpenClose
About soft and full credit checks
What is the difference between a soft and a full credit check?
A soft credit check is just an initial look at your information. Soft searches aren’t visible to companies. So there’s no impact on your credit score or any future credit applications. Only you can see them and you can get multiple soft searches done.
A full credit check is performed when a lender makes a full analysis of your credit history. This type of inquiry is visible on your credit report, so any company searching it will be able to see that you’ve applied for credit.