Mortgage in Principle | Agreement in Principle | NatWest

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  • Let's get started with some basic details...


    About you

    Start by giving us a few basic details about you to allow us to begin the Agreement in Principle.

    Date of birth format is (dd/mm/yyyy) (e.g. 01/12/1995)

    Contact details

    You must provide a valid email address to get an online Agreement in Principle. You can email yourself the results once you're done.

    We will only contact you about your Agreement in Principle

    Dependants

    Please check the box to confirm the following, if applicable:

    Dependants

    Please check the box to confirm the following:

  • Tell us where you live...

  • Now for some details on the person you're applying with...


    About the joint applicant

    Tell us about the person you're applying with.

    Date of birth format is (dd/mm/yyyy) e.g. (01/12/1995)
  • Where does the joint applicant live?


  • Thanks. Now tell us about your finances...


    Your finances

    Tell us about your financial committments so we can work out what you can afford. Please be as accurate as possible as any differences will impact on the amount you can borrow.

    Please confirm your current employment status
    This is the age at which you currently plan to retire.
    If you wish to borrow into retirement, we cannot give a decision online.

    Income

    Are you Self Employed?

    This is how much you get paid before tax and NI deductions. Do not include overtime or bonus earnings that are not guaranteed.
    How often are you paid this gross amount?
    You can include income you earn throughout the year that is guaranteed such as:
    - DWP
    - Benefit payments
    - Child maintenance that has been paid for the last 6 months, whether court approved or not
    - Investments income such as dividends or regular trust income.

    Please contact us if you want us to consider any other sources of income.

    Expenditure

    Enter the total amount outstanding on all your credit cards after you made the last repayment. If you have no balance please enter £0. 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 payment on your current home that will cease when your new mortgage starts.
    This is your monthly commitments which are not a debt such as child maintenance payments or ground rent.
  • And some information on the joint applicant...


    Joint applicant finances

    Tell us about the financial committments of the joint applicant. It's important to be as accurate as possible.

     

    Please confirm the joint applicant’s current employment status
    This is the age at which the joint applicant currently plans to retire. If they wish to borrow into retirement, we cannot give a decision online.

    Income

    Is the joint applicant Self Employed?

    This is how much the joint applicant gets paid before tax and NI deductions. Do not include overtime or bonus earnings that are not guaranteed.
    How often is the joint applicant paid this gross amount?
    You can include income the joint applicant earns throughout the year that is guaranteed such as:
    - DWP
    - Benefit payments
    - Court approved maintenance that have been paid for the last 6 months
    - Investments income such as dividends or regular trust income.

    Please contact us if you want us to consider any other sources of income.

    Expenditure

    Enter the total amount outstanding on all their credit cards after they have made the last repayment. If they have no balance please enter £0. Please ensure this is an accurate figure.
    This is your monthly commitments which are not a debt such as child maintenance payments or ground rent.

    Joint expenses

    Please enter any committed monthly expenditure that you haven't already told us about
  • You're almost there...


    Your mortgage

    Tell us how much you're planning to borrow to buy a property, and how much you plan to put down as a deposit.

    This is the amount you will pay for the property
    This is the amount of cash you are putting towards the cost of your property
    This is the amount you will pay for the property
    This is the amount of cash or equity you are putting towards the cost of your property
    This is the amount your property was worth the last time it was valued. We offer free valuations for standard remortgage.
    This is the outstanding balance on your current mortgage. Be as accurate as possible.
    This is how many years you would like to borrow the money for
    Please select the property type from the list
    This is the amount you wish to borrow over and above the amount you need to repay your current mortgage

    If you are borrowing additional funds, there may be other finance options that are more appropriate for you. For example, a further advance from your existing lender or unsecured borrowing.

    If you are borrowing additional funds to repay any existing debt, you must call us to discuss this further.

    A mortgage cannot be used in respect of any business or professional related activities.

For your new build property, Requested mortgage has an LTV greater than maximum allowed limit. 

Sorry, your selected mortgage term and retirement age indicate that you are looking to borrow into retirement.  We cannot provide an Agreement In Principle for this situation.  If you do require a mortgage beyond your retirement please contact us to discuss your borrowing needs.  

0800 096 9527

Alternatively your can correct the mortgage term.   

Additional borrowing can be requested online but not for the purposes of debt consolidation or for any business or professional related activity.

Please contact us on 0800 096 9527 should you require additional funds for these purposes.  

Error Section when customer does not satisfy Primary Dependents condition.

Error Section when customer does not satisfy joint Dependents condition.

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