A step-by-step guide to applying for a mortgage

Stamp Duty holiday ends 30th June 2021

The four steps to apply for a mortgage with NatWest

  1. 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:





    Online mortgage application checklist


  2. 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.   

    Get an Agreement in Principle


  3. 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.

    Learn about our mortgage types


Choose how you want to apply

Apply Online

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

Relay UK: 18001 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?

Call us

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.

Something else we can help you with?