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Your home or property may be repossessed if you do not keep up repayments on your mortgage
Coronavirus: mortgage payment holiday
Mortgage payment holidays for customers impacted by Coronavirus
If your income has been impacted by Coronavirus and you know you are not going to be able to make your monthly mortgage payments, we can offer our existing mortgage customers a 3 month payment holiday.
Before you apply for a payment holiday
Important information
Before you apply for a payment holiday you should ensure that you are fully aware of the impact on your mortgage.
- Although on a payment holiday, interest will continue to accrue which means you’ll pay back more over the full term of the mortgage.
- When your payment holiday ends, your monthly payments will increase. We will provide you an estimate of these prior to commencing the payment holiday.
- The term of your mortgage will not change.
- A payment holiday will not have any negative impact towards your credit rating.
- By requesting a payment holiday you are acting on behalf of all parties named on the mortgage.
How to apply for a payment holiday
Complete the online form
Before applying please ensure you have read the Important information section above.
- After your request has been submitted, you won't need to do anything else. Within 7 days we will email you to confirm when your payment holiday will take effect, and to give you an estimation of what your mortgage payment will increase to after the end of your holiday period. Please note that if you have a payment due in the next 7 days, we may not be able to amend this payment. We will confirm this after we’ve processed your request.
- If you are able to make your next payment we recommend that you do so as normal but we understand that in some circumstances that might not be possible so, where a payment request fails, we will contact you to offer further support.
Our colleagues in contact centres are working incredibly hard in difficult circumstances. Please only call us if it’s absolutely essential, this will allow us to focus on those customers who need us most at this time.
Apply through the mobile app
Before applying please ensure you have read the Important information section above.
If you have other accounts with us, you can get access to our mobile app and contact us via the the ‘Message us’ facility.
Once you're in the app, simply tap 'Help' at the bottom of the screen followed by 'Message us' and quote 'coronavirus mortgage' in your message.
App available to customers with compatible iOS and Android devices and a UK or international mobile number in specific countries. Mortgage-only customers are currently unable to get access to our mobile app.
Looking for a new deal?
If your mortgage with us is on a Standard Variable Rate, or your current deal is ending, you could switch to a better deal.
Find out more about switching your mortgage deal, and get a personalised quote in just a few minutes
Tools to help you plan
Check out our range of calculators below. They have been designed to help you better understand and manage your mortgage options.
Overpayment calculator
Use our overpayment calculator to see how much you could save by making either extra monthly payments or paying a lump sum to your capital repayment mortgage.
Borrowing calculator
Find out how much you could borrow before you start looking for your new home.
Mortgage rate finder
Use the mortgage rate finder to view our rates and get a monthly repayment quote
Our latest articles for homeowners
Are you a NatWest One account customer?
If you have a NatWest One account mortgage, get started by logging in below. You'll need your Global Key Code to proceed.
If you opened a mortgage with us after 10th October 2008, please log-in to Manage my Mortgage.
Borrow more on your mortgage
Achieve your future plans in the present
If you have a residential mortgage with us, you could borrow up to 90% of the value of your home.
- Applications for additional borrowing are subject to LTV and must meet our current lending requirements
- Minimum amount is £10,000
- Minimum term 3 years - maximum term 35 years (maximum age 70)
Additional borrowing is available on a capital and interest repayment basis. You may be able to borrow more on an interest only basis, subject to criteria.
Personal loans to our existing mortgage customers
Representative 3.4% APR for loans between £7,500 and £19,950
Other loan amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.
To apply, you must be 18+ and a UK resident with either a NatWest current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone.
A guide to paying off your mortgage
Our mortgage repayment guide covers the different types of mortgage available, as well as things to consider if you're looking to pay off your mortgage early.