A first time buyer
You want to buy your first ever home to live in.
To find out how much you could borrow, please answer a few questions. This will take about 10 minutes, so let's get started.
You already have a mortgage, but you’d like to find out about a remortgage with us.
You already have a mortgage, but you’d like to find out about a remortgage with us.
It will help if you have the following documents handy:
We'll ask about the property, your income and expenditure and whether you have any dependants. If you're applying for a joint mortgage, we'll need to know the same details about all the people who are applying.
If you're applying for a buy to let property, we'll also ask about any other properties you own.
Remember, a mortgage Agreement in Principle provides you with a personalised indication of how much we could lend to you, it is not a commitment to lend.
We need to do a “soft credit check”, but don’t worry, this won’t affect your credit score.
A soft credit check is just an initial look at your financial situation. These soft credit searches aren’t visible to other companies, so they won't affect your credit score now or in the future. Only you and the lender can see the results and you can have multiple soft credit searches without worrying about your credit score.
A full credit check is performed when a lender makes a full analysis of your credit history. This type of check will be visible on your credit report so any company will be able to see that you've applied for credit.
Unfortunately we are not able to offer Help to Buy or shared equity mortgages online. Please get in touch with one of our mortgage professionals.
You can get in touch over the phone or visit us in branch.
We will use the information that you give to us in this tool to provide you with an Agreement in Principle result. We will communicate with you regarding your Agreement in Principle and application if you consent by providing us with your email address or mobile phone number.
We will also use the information to evaluate our online tools and to improve efficiency and effectiveness for our customers.
It’s in our interest as a Bank to continually review and improve our services. We may share your information with a third party service provider acting on our behalf to obtain your feedback on your online experience with us. Initial contact will be by email and there is no obligation to participate in the survey.
For detailed information on how we use, store and share customer information, and how to exercise your data subject rights, please see our full privacy notice.
We are only able to allow applications online if you are between the ages of 18 and 67. If you are over 67, we may still be able to support you in branch or over the phone. Please get in touch with one of our mortgage professionals.
Either sole ownership or jointly with another person
To send your Agreement in Principle, we need your email address
Please enter a mobile number as we may contact you by SMS
We are only able to allow applications online if you are between the ages of 18 and 67. If you are over 67, we may still be able to support you in branch or over the phone. Please get in touch with one of our mortgage professionals.
Either sole ownership or jointly with yourself or another person
Please enter a different email address to the one given by the first applicant
Please enter a different mobile number to the one given by the first applicant
If you are not currently working we think you may benefit from getting in touch with one of our mortgage professionals,
You can get in touch over the phone or visit us in branch.
If you are fully retired we think you may benefit from getting in touch with one of our mortgage professionals.
You can get in touch over the phone or visit us in branch.
If you’ve been self-employed for less than two years, we can’t give you a decision online. Please get in touch with one of our mortgage professionals.
You can get in touch over the phone or visit us in branch.
This is guaranteed income that could include overtime, bonuses and commissions, as well as investments or rental income, state benefits, commission from another job or a pension.
These are unsecured loans, like a loan to buy a car or a holiday
Finally, we need to know about any other monthly fixed payments you have.
Don't worry about listing things like food, drink, clothing, utility bills, entertainment or transport. We'll make an estimate based on what you've told us about your household.
There's no need to include these costs if you've already included them in the loans section
Including any school fees
This could be mortgage payments and/or general upkeep costs on any additional properties
This is the expected letting agent fee per month for the property you are looking to buy only. Please do not include any letting agent fees for properties you already own.
A dependant is someone you support financially and can be under or over 18.
If the total number of dependents is greater than 10, we recommend getting in touch with one of our mortgage professionals.
You can get in touch over the phone or in branch.
If they are not currently working, please get in touch with one of our mortgage professionals to discuss your options.
You can get in touch over the phone or visit us in branch.
If they are fully retired, please get in touch with one of our mortgage professionals to discuss your options.
You can get in touch over the phone or visit us in branch.
If they've been self-employed for less than two years, we can’t give you a decision online. Please get in touch with one of our mortgage professionals.
You can get in touch over the phone or visit us in branch.
This is guaranteed income that could include overtime, bonuses and commissions, as well as investments or rental income, state benefits, commission from another job or a pension.
These are unsecured loans, like a loan to buy a car or a holiday
Finally, we need to know about any other monthly fixed payments.
Don't worry about listing things like food, drink, clothing, utility bills, entertainment or transport, we'll make an estimate based on what you've told us about your household.
Please don't input any shared expenses that have already been fully covered in the primary applicant's outgoings.
There's no need to include these costs if you've already included them in the loans section
Including any school fees
This could be mortgage payments and/or general upkeep costs on any additional properties
A dependant is someone you support financially and can be under or over 18. If a dependant is shared, please only count them once.
If the total number of dependents is greater than 10, we recommend getting in touch with one of our mortgage professionals.
You can get in touch over the phone or in branch.
Please give us some detail about the properties that you own.
What is the address of your primary residential property i.e your home?
e.g NatWest
Please provide the total outstanding balance on the mortgage irrespective of the repayment type
If your total mortgage borrowing amount is greater than £3.5m, please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.
We’ll now ask you for more detail about the properties that you own.
What is the address of the second residential property?
e.g NatWest
Please provide the total outstanding balance on the mortgage irrespective of the repayment type
If your total mortgage borrowing amount is greater than £3.5m, please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.
We’ll now ask you for more detail about the properties that you own.
What is the address of the third residential property?
e.g NatWest
Please provide the total outstanding balance on the mortgage irrespective of the repayment type
If your total mortgage borrowing amount is greater than £3.5m, please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.
We’ll now ask you for more detail about the properties that you own.
What is the address of the fourth residential property?
e.g NatWest
Please provide the total outstanding balance on the mortgage irrespective of the repayment type
If your total mortgage borrowing amount is greater than £3.5m, please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.
We’ll now ask you for more detail about the properties that you own
What is the address of your first investment property? Please do not include any commercial investment property.
e.g NatWest
If your total mortgage borrowing amount is greater than £3.5m, please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.
We’ll now ask you for more detail about the properties that you own.
What is the address of your second investment property?
e.g NatWest
If your total mortgage borrowing amount is greater than £3.5m, please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.
We’ll now ask you for more detail about the properties that you own.
What is the address of your third investment property?
e.g NatWest
Please provide the total outstanding balance on the mortgage irrespective of the repayment type
If your total mortgage borrowing amount is greater than £3.5m, please get in touch with one of our mortgage professionals. You can do this in branch or over the phone.
One final check before moving on to borrowing details
You've already added [x]
You've already added [x] , this is the maximum number of investments properties you can own to get your Agreement in Principle online.
Based off your property price, the deposit does not meet the Loan to Value criteria for an online Agreement in Principle. For a residential purchase, the deposit must be at least 20% of the property price. For a buy to let, it must be at least 25%. Please get in touch with one of our mortgage professionals.
You can get in touch with us over the phone or visit us in branch.
Talk to a mortgage professional
For a buy to let property, your deposit must be at least 25% of the amount of the property purchase value. Please get in touch with one of our mortgage professionals.
You can get in touch with us over the phone or visit us in branch.
Based on your last valuation please enter value of your current property.
We are only able to accept applications online for properties valued from £25,000 up to £5,000,000. Please contact one of our mortgage professionals.
You can get in touch with us over the phone or visit us in branch.
We are only able to accept applications online for properties valued from £25,000 up to £5,000,000. Please contact one of our mortgage professionals.
You can get in touch with us over the phone or visit us in branch.
For a new build home, we require a deposit that is at least between 15% and 25% of the value of the property.
Our Green mortgage products are here to reward customers who want to buy an energy efficient home. If the home you’re looking at has a valid Energy Performance Certificate (EPC) rating of A or B, you could be eligible for better mortgage interest rates.
You can check the EPC Rating of the property you’re interested in at EPC Register in England & Wales or Scottish EPC Register in Scotland.
To get an idea of how much you could be paying each month, we'll need to know your mortgage term (how long you need to pay off your mortgage). Start by telling us when you expect to retire.
Don't worry if you're not sure. Just an estimation will help us work out if you want to borrow into your retirement.
We can’t offer you a mortgage term if it goes into your retirement.
This is how long you'll take to pay off your mortgage e.g. 25 years
This is how long you'll take to pay off your mortgage e.g. 2 months
£0
This is the total income you receive
£0
This is the total income the joint applicant receives
£0
This is the total outstanding credit card balance across all your cards
£0
This is the total monthly repayment across all loans
£0
This is the total fixed monthly expenditure
£0
This is the total outstanding credit card balance
£0
This is the total monthly loan repayments
£0
This is the total fixed monthly expenditure
£0
This is based on the value of the property and your deposit or, if remortgaging, the amount you still owe on the mortgage
0%
This reflects how much mortgage you have in relation to how much your property is worth
With a mortgage term of
depending on the mortgage deal you choose
Remember: The longer it takes you to pay off your mortgage, the higher the amount of interest you will pay.
Want to speak to someone?
You can do this in branch or over the phone. Call us on 0800 096 9527. Opening hours: Mon-Thu 8am-8pm, Fri 8am-6pm, Sat 9am-4pm, Sun closed. Excluding public holidays. Next Generation Text Service: 18001 0800 096 9527
A mortgage of £131,748 payable over 25 years, initially on a fixed rate for 5 years at 2.01% and then our variable rate of 3.59% for the remaining 20 years would require 60 monthly payments of £559.06 and 240 monthly payments of £645.44.
The total amount payable would be £189,681.87 made up of the loan amount of £131,748 plus interest of £57,933.87. A product fee of £995, a valuation fee of £248 and a CHAPS fee of £30 are also payable.
The overall cost for comparison is 3.1% APRC representative.
A mortgage of £130,995 payable over 20 years, initially on a tracker rate for 2 years at 1.97% below the NatWest base rate and then our variable rate of 3.59% for the remaining 18 years would require 24 monthly payments of £639.37 and 216 monthly payments of £753.30.
The total amount payable would be £179,286.65 made up of the loan amount £130,995 plus interest of £48,291.65. A product fee of £995, a valuation fee of £248 and a CHAPS fee of £30 are also payable.
The overall cost for comparison is 3.3% APRC representative.