How to apply for a buy to let mortgage
Your property may be repossessed if you do not keep up repayments on your mortgage.
Your steps to applying for a buy to let mortgage
Find out if you're eligible
The following criteria applies for NatWest buy to let mortgage applications:
You need to be a UK resident aged between 18 and 70
You need at least a 25% deposit, or 35% for any new build houses or flats
You must be borrowing at least £25,000 over a minimum of 3 years
Your maximum borrowing amount cannot exceed £3.5 million
The property you wish to purchase, or remortgage to us, must be habitable and worth at least £50,000
You cannot apply for a buy to let mortgage with us if you do not meet the above criteria.
Please note, we cannot offer mortgage where the household will have or has multiple occupants, or multiple tenancies.
If you're remortgaging a buy to let property, 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.
Your current provider might ask for an Early Repayment Charge. Check your paperwork to see whether they apply. 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 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 to have OpenClose
Eligibility info OpenClose
Credit checks OpenClose
What is the difference between a soft and a full credit check?
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 paments
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.