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Remortgage

Find out how to remortgage your home with us

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

Helpful links for remortgaging

What do I need before I apply?

Ways to apply for a remortgage

Already have a NatWest mortgage?

Start your remortgage

Your steps to remortgaging with NatWest

1. Find out how much your property is worth

2. Check how much is left to pay on your mortgage

3. See if there are any outstanding charges

Your current provider might ask for an Early Repayment Charge (ERC). ERCs are usually calculated as a percentage of the outstanding balance left to pay off. This could be thousands of pounds. 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. Compare our mortgage rates

5. Get an indicative decision

You’ll need to get an Agreement in Principle to see if we may be able to lend you the amount you require. This uses a soft credit check that does not affect your credit score.

It 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 doesn't affect your credit score.

What you need to have OpenClose

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.

More info about what we need Close

More info

We’ll ask you about the property, your income and expenses and dependants.

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

Eligibility info OpenClose

What you need to know

We don’t currently offer remortgages on multi-party (three or more applicants) or guarantor mortgages. All of our remortgage products are on a capital and interest basis only.

Eligibility - more details Close

More details about eligibility

To be able to complete a mortgage application with NatWest, you must answer yes to the following:

You're planning to buy or remortgage 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 had a property seized or defaulted on a mortgage

You haven't ever organised a repayment plan with creditors

Credit checks OpenClose

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.

More details about credit checks Close

What is the difference between a soft and a full credit check?

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.

Choose how you want to apply

Apply Online

You can complete your mortgage application online, at your own pace and in the comfort of your own home.

You need to be:

confident that you have been able to choose the right mortgage for your circumstances

happy to take responsibility for the mortgage you choose

As you’ll not be getting any advice from us, you won’t benefit from us assessing whether the mortgage is suitable for you. Therefore if your choice turns out to be unsuitable we won’t offer you any compensation.

Already Started? Pick up where you left off

Apply online now

Apply over the phone

Already applied for a mortgage and need your offer extended?

If you’ve had a mortgage offer with us approved and can't complete within the agreed timescale, we're here to help. You can apply to extend your mortgage offer by 1 month to give you extra time to complete buying your new property or re-mortgaging your existing property. Find out more

If you have applied for your mortgage with NatWest via a Broker/Intermediary - please contact them to discuss extending your mortgage offer.

By requesting an extension to your mortgage offer you are acting on behalf of all parties named on the mortgage.

Request a mortgage offer extension

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.

All you need are your mortgage account number, name, date of birth and your postcode.