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Moving home

Find out how to move home with NatWest

NatWest mortgages are available to over 18s. Your home may be repossessed if you do not keep up repayments on your mortgage.

On this page
Steps to moving home
Before you apply
Ready to apply?

Your steps to moving home with us

  1. 1

    Find out how much your property is worth

    An estate agent can give you an evaluation, or you can get a rough idea of value by looking up the selling price of similar properties in your area. Then you can use our calculators to see how much we might be able to lend you.

     

  2. 2

    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. Here’s some good news: move your mortgage to us and we'll pay your valuation and legal fees. (Exclusions apply.)

     

  3. 3

    See if there are any outstanding charges 

    Your current provider might ask for an Early Repayment Charge (ERC). Check your paperwork to see if it applies.

    Also, many lenders will charge an exit fee for closing your mortgage account with them, even if you are outside an introductory deal. These tend to be between £50 and £300.

    If you haven't yet thought about how you will pay off your current mortgage early, read our mortgage repayment guide.

     

  4. 4

    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.

     

  5. 5

    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

It will help if you have the following documents handy

Three months' worth of payslips and bank statements to work out your income, plus any loan or credit card statements to help work out your monthly expenses.

Eligibility

What you need to know

We don’t currently offer mortgages for multi-party (three or more applicants), guarantor, Help to Buy, Right to Buy, or shared equity mortgages. All of our mortgages for home movers are on a capital and interest basis only.

Credit checks

About soft and full credit checks

When you apply for an Agreement in Principle, we'll need to do a “soft credit check”. But don’t worry, this won’t affect your credit score. If you go on to apply for a remortgage, we'll do a full credit check, which will show up on your credit file.

Choose how you want to apply

Apply Online

Apply online now

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

Relay UK: 18001 0800 096 9527

Arrange a callback

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.

Log in to manage your mortgage