Help with buying your first home
NatWest mortgages are available to over 18s. Your home may be repossessed if you do not keep up repayments on your mortgage.
Everything you need to know about buying your first home
It can be daunting when you are looking to buy your first home but we are here to help. Read though our helpful step by step guide or use the link below to get in touch.
Your step by step guide to buying your first home
Look at the houses on the market and get an idea of what you are looking for. How many bedrooms do you need? Do you want a garden? What about a garage or off-road parking?
Start looking on websites like Zoopla and when you know the types/size of properties that interest you, register with estate agents so that you receive alerts when similar properties come on the market.
When you see a new property that you like, call the estate agent and arrange to go and see the property. There's no harm in looking and the more you see, the better idea you will get of what you might be able to afford.
Take a look at our first time buyer mortgage rates, including 5% deposit and cashback mortgages, and compare monthly repayments.
Easily compare mortgage rates and deals
Get an indication of the monthly repayment
Enter a few details into our mortgage rate calculator and we’ll show you all the NatWest mortgages that may be right for you, based on what you've told us.
When you've found the one that is right, make an offer through an estate agent but remember that the sale price is just what the seller hopes to get. You may be able to agree a lower price.
You can use our Agreement in Principle tool to see if we may be able to lend you the amount you require for your new home.
You can use the tool without affecting your credit score or credit file.
When you have agreed the amount that you will pay for the property, you can complete your mortgage application.
You'll also need to find a solicitor or conveyancer to take care of the legal transfer of the property.
What you need to know
For a quick estimate, try our mortgage calculator.
Get an Agreement in Principle.
What is an Agreement in Principle?
An Agreement in Principle (AIP) is an indication of how much you could borrow. It's based on the details that you give us. It's not a full mortgage offer, but it shows sellers and agents that you're a serious buyer.
You can get an AIP at any time without affecting your credit score or credit file.
Need some help?
We're on hand to arrange a phone or branch appointment with one of our qualified mortgage advisers. We can also help with any general queries about the process.
Call us on 0800 096 9527
Customers with hearing and speech impairments can contact us by using our Minicom number 0800 027 1396.
Arrange a callback
Complete our quick form to arrange a callback at a time that suits you, including evenings and weekends.
This will allow you to arrange a phone or branch appointment with a qualified mortgage adviser.