A step-by-step guide to applying for a mortgage
NatWest mortgages are available to over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Stamp Duty holiday ends 30th June 2021
Make sure you allow enough time to complete your home purchase by 30th of June to take advantage of the Stamp Duty holiday.
Different factors can influence whether you can complete your mortgage by the deadline. Local Authorities may require additional time to complete personal searches. Local authority turn around times.
The four steps to apply for a mortgage with NatWest
1. Check you have your supporting information ready
To get a mortgage approval, we will need to assess your mortgage eligibility. To do this, you will need to provide us with:
2. Get an Agreement in Principle
What is An Agreement in Principle? It will tell you how much we could lend you based on your income, property value, deposit amount and mortgage term.
It takes less than 10 minutes online
It gives you a personalised lending indication
It has no affect on your credit score
It can be useful for viewing and making an offer on a property.
3. Pick a mortgage and get a mortgage illustration
After working out how much we could lend you, we'll give you a breakdown of your options. You can then pick the one that best fits your mortgage requirements.
You will then get a personalised mortgage illustration. It will show you the selected mortgage type, term, interest rates and any fees.
Choose how you want to apply
Apply over the phone
Need additional support or advice to select the right mortgage product for your circumstances?
Make an appointment to speak to one of our mortgage professionals, over the phone or in a branch.
Our mortgage professionals will:
guide you through the mortgage process
help you to find the right mortgage
work out your monthly payments
complete your mortgage application
Call us now on 0800 096 9527
Already have a NatWest mortgage?
If you're already a NatWest mortgage customer, you won't need to resubmit paperwork, such as evidence of income, unless your circumstances have changed.
Log in to Manage Your Mortgage, see what offers are available and apply online.
All you need are your mortgage account number, name, date of birth and your postcode.
Need some help?
Arrange a callback
Complete our quick form to arrange a callback at a time that suits you, including evenings and weekends.
Our mortgage team will call you back to arrange a phone or branch appointment with a qualified mortgage adviser.