How Much Can I Borrow? - Mortgages | NatWest

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How much could I borrow?

Our simple borrowing calculator will give you an idea of how much you could borrow with a NatWest mortgage. This is an illustration based on your income, outgoings and the value of the property you're considering.

Mortgage details

This is the amount of cash you plan to put towards the cost of the property.
This is the potential purchase price of a property you wish to buy.
This is the amount of equity and/or cash you plan to put towards the cost of the new property.
This is the purchase price of the property you wish to move to.
This is the outstanding balance on your current mortgage.
The value of your current property based on the last valuation. We offer free valuations for a standard remortgage.
Max 35

1st applicant

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Income

Enter your gross income before tax and National Insurance deductions. Do not include overtime or bonus earnings that are not guaranteed. If you’re self-employed, please enter the average of your annual gross earnings over the past two years.
You can include income that is guaranteed such as; Court approved maintenance that has been paid for the last 6 months, Investment income such as dividends or regular trust income. Please contact us if you want us to consider any other sources of income.

 

 

Household expenses

Enter the total amount outstanding on all your credit cards after you made the last repayment. Please ensure this is an accurate figure.
Please enter the total monthly payments you are making to personal loans, hire purchase, car finance agreements and car lease payments, but NOT credit card payments. Do not include any mortgage/rent payments for your current home that will cease once your new mortgage completes.
Enter number of dependants under 18
Enter number of dependants over 18
Please enter committed monthly expenditure that is not a debt repayment. For example, child maintenance payments, ground rent or personal care fees. Do not include day-to-day living costs such as grocery shopping and fuel. We’ll take these into account automatically.

2nd applicant

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Income

Enter your gross income before tax and National Insurance deductions. Do not include overtime or bonus earnings that are not guaranteed. If you’re self-employed, please enter the average of your annual gross earnings over the past two years.
You can include income that is guaranteed such as; Court approved maintenance that has been paid for the last 6 months, Investment income such as dividends or regular trust income. Please contact us if you want us to consider any other sources of income.

Household expenses

Enter the total amount outstanding on all your credit cards after you made the last repayment. Please ensure this is an accurate figure.
Please enter the total monthly payments you are making to personal loans, hire purchase, car finance agreements and car lease payments, but NOT credit card payments. Do not include any mortgage/rent payments for your current home that will cease once your new mortgage completes.
Enter dependants under 18
Enter dependants over 18
Please enter committed monthly expenditure that is not a debt repayment. For example, child maintenance payments, ground rent or personal care fees. Do not include day-to-day living costs such as grocery shopping and fuel. We’ll take these into account automatically.
Design Slope

Important Information

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

All figures provided are for illustrative purposes only.

This will be dependant on your financial situation, property value and the size of your deposit or equity.

This is not a formal quotation or a commitment to lend.

Borrowing amounts greater than £500,000 are subject to additional lending criteria.

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Opening hours: 
Mon-Fri 8am-8pm, Sat 9am-4pm, Sun 10am-2pm.
Excluding public holidays.
Calls may be recorded.


Customers with hearing and speech impairments can contact us by using

Minicom number 0800 917 0526

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Based on the details given,
we could lend you up to:

Have a property in mind ?

A personalised Agreement in
Principle will confirm the
amount we could lend.

 

Thinking it through ?
Take a look at our mortgages
for an estimate of monthly

repayment and costs.

 

Thank you for your interest.

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