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Manage your mortgage online

Your home or property may be repossessed if you do not keep up repayments on your mortgage

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Managing your mortgage

Borrowing more

Mortgage FAQs

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.

Log-in to NatWest One

If you opened a mortgage with us after 10th October 2008, please log-in to Manage my Mortgage.

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.

How much could I save?

Borrowing calculator

Find out how much you could borrow before you start looking for your new home.

How much can I borrow?

Mortgage rate finder

Use the mortgage rate finder to view our rates and get a monthly repayment quote

Find the best deal for you

Ways to manage your mortgage online

Set up a regular overpayment Close

Set up a regular overpayment

You can overpay by up to 10% every month. Setting up a regular overpayment will help you pay off your mortgage faster, saving you money on interest payments.

Make a lump sum overpayment Close

Make a lump sum overpayment

Making a one off lump sum overpayment will hlep reduce you monthly mortgage repayments. That could free up extra funds for something a little more...exciting.

Change your payment date Close

Change your payment date

Sometimes our circumstances change, and our finances need to change too. You can change your payment date to a day that better suits you.

Change your payment bank account Close

Change your payment bank account

If you need to update your bank account details, you can do that by logging in to Manage my Mortgage online.

Switch to a new rate Close

Switch to a new rate

If you're coming to the end of your fixed rate period, or if you're looking to remortgage with us, you can find out more and switch to a new rate.

Request a Certificate of Interest Close

Request a Certificate of Interest

A mortgage Certificate of Interest sets out exactly how much interest you have paid on your mortgage in the previous tax year. This can be useful if you are filling in a tax return or preparing your annual accounts.

Request permission to let your property Close

Request permission to let your property

If you’re planning to rent out your property, you'll need to request permission to do so with your current mortgage. Alternatively, you may need to switch to a buy to let mortgage. The minimum deposit for a buy to let mortgage is usually about 25% of the property’s value.

To find out more, take a look at our Buy-to Let section.

View your current balance Close

View your current balance

When logged in, you can check your outstanding balance, and review your mortgage sub accounts.

Borrowing options for our customers

As well as the ability to borrow more on your mortgage, we now offer personal loans to our existing mortgage customers. Whether you're looking to make some home improvements, or better manage your finances, we can help.

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.

Borrowing more on your mortgage

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.

Common questions about managing your mortgage

How do I order statements for my mortgage account?

To order a statement for your mortgage account please contact our mortgage department.

Existing mortgage queries

0800 092 9585
overseas: +44 121 629 0739
Minicom: 0800 917 0789
Open Monday to Friday 8am - 8pm and Saturdays 9am - 4pm (excluding bank holidays)

How do I pay my mortgage off in full?

Whether you want to pay your mortgage or an additional mortgage account off in full, or you have decided to move your mortgage to another provider, you will require a redemption statement to do so. This statement will provide you with the total amount payable to redeem your mortgage, including your current mortgage balance, any fees applicable and the daily rate of interest.

You can order a redemption statement by calling our Mortgage Team over the phone and we will post it to the correspondence address we hold on file for you within 5 working days (please allow a further 4 working days for your statement to arrive).

Mortgage Centre

Call 0345 30 20 190
Minicom number 0800 917 0526
Open Monday to Friday 8am - 8pm, Saturday 9am - 4pm (excluding public holidays)
Calls may be recorded.

Your home may be repossessed if you do not keep up repayments on your mortgage

How do I make an overpayment on my mortgage?

There are two main ways to make an overpayment into your mortgage, either by making a lump sum payment or by making regular extra monthly overpayments. You can use our overpayment calculator to work out how much you could save by making either regular extra monthly payments or paying a lump sum to your capital repayment mortgage.

If you want to set up regular monthly overpayments please sign in to Manage my Mortgage. To sign in you will need your:

mortgage account number
surname
date of birth
mortgaged property's postcode

You will automatically be registered to the Manage my Mortgage service.

Why am I unable to sign in to Manage my Mortgage?

To sign into Manage my Mortgage, you will need your:

mortgage account number
date of birth
last name
postcode of the mortgaged property

If these details are not entered correctly you will be unable to sign in. You will be given instructions onhow to enter them correctly and an offer to try again. If you are sure your details are correct and are still unable to sign in, please get in touch.

Mortgage Centre

Call 0345 30 20 190
Minicom number 0800 917 0526
Open Monday to Friday 8am - 8pm, Saturday 9am - 4pm (excluding public holidays)
Calls may be recorded.

Your home may be repossessed if you do not keep up repayments on your mortgage

Is there an early repayment charge if I switch to a new mortgage deal?

There is no early repayment charge if you switch your deal and are not making any changes to your current mortgage. If you're within the last 3.5 months of your current deal and you want to switch with us there will be no early repayment charge.

If you have recently rolled off onto our standard variable rate or are already on a standard variable rate there is no early repayment charge.

How do I find my mortgage account number?

You can find your mortgage account number in various places:

On your original mortgage paperwork, which we sent to you when you completed your mortgage with us.
If you use Online Banking you can view your mortgage account number there. You will find your mortgage account on the 'Account Summary' screen, and your account number will be displayed with it.
If you use our Mobile app, you can find your mortgage account in the 'Accounts' section. As with Online Banking your mortgage account number is also displayed.

If you're unable to find your mortgage account number in one of these ways you can contact us. After a few security questions we can provide you with your mortgage account number.

Mortgage Centre

Call 0345 30 20 190
Minicom number 0800 917 0526
Open Monday to Friday 8am - 8pm, Saturday 9am - 4pm (excluding public holidays)
Calls may be recorded.

Your home may be repossessed if you do not keep up repayments on your mortgage

Manage your mortgage online

Are you a NatWest One account customer?