Find out how to buy your first home

We’ll ask you about the property you want to purchase, your income, expenses and dependants, if you have any.

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 and postcode

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 ever organised a repayment plan with creditors

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.