Mortgages

Tailored mortgage advice from our team of experts

It's easy to apply for a mortgage with a personal touch.

Speak to your Premier Banking Manager if you're looking for an Interest Only Mortgage. For mortgages over £500,000, enjoy a tailored experience with our complimentary Mortgage Concierge Service. Or, if you’d prefer, apply online, by phone or in your local branch.
NatWest mortgages are available for over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

Great offers for Premier customers

Bring your mortgage to us and you could benefit from discounted rates on selected re-mortgage deals for balances of £500,000 or over. Discounted rates on selected deals are also available to existing customers renewing your mortgage, or taking additional borrowing, where your overall balance is £500,000 or over.  

This offer can be withdrawn at anytime and early repayment and product fees will apply.

Mortgage options

Remortgage to NatWest

If your current mortgage is with another lender, you could save money by remortgaging to us.

Why choose NatWest?

We pay legal and valuation fees when you move your mortgage to us. Conditions and exclusions apply.

We were awarded "Best National Bank 2017" and "Best Lender Customer Service 2017" by What Mortgage.

Our Agreement in Principle tool gives an indicative online decision in just 5 minutes.

We offer you the choice of applying for your mortgage online, in branch or by phone. 

Get an Agreement in Principle

First time buyer mortgages

We could help you onto the property ladder.

First time buyer offers and schemes

You could borrow up to 95% of the value of the property you wish to purchase, if you have a deposit of at least 5% and less than 10%, and the property you’re purchasing is less than £600,000 and not a new build.

Choose any 'cashback' mortgage deal, apply with us and we’ll pay £250 cashback to your solicitor on the day you drawdown your mortgage. The offer is only available on selected mortgages marked with ‘cashback’ and can be changed or withdrawn at any point. Early repayment charges may apply. Max LTV 90%.

Visit the NatWest personal website to learn more about buying your first home.

More about buying your first home

Get an Agreement in Principle

Buy-to-let mortgages

Talk to your dedicated Premier Banking Manager about expanding your property portfolio.

Develop your portfolio

You need to be a UK resident aged between 18 and 70

You need at least a 25% deposit, or 35% for any new build houses or flats

You must be borrowing at least £25,000 over a minimum of 3 years

You must currently own no more than nine Buy-to-let properties, and your maximum borrowing amount cannot exceed £3.5 million

The property you wish to purchase, or remortgage to us, must be habitable and worth at least £50,000

Visit the NatWest personal website to learn more about Buy-to-let mortgages.

More about Buy-to-let mortgages

Interest only mortgages

Ask your Premier Banking Manager about an Interest Only Mortgage.

Could you benefit from an interest only mortgage?

You’ll need to earn £75,000 a year

You can borrow up to 75% of the value of the property

Your mortgage must be at least £25,000

Your repayment plan needs to be approved by us

Remember you must make up any shortfall at the end of the term - if you can't repay the outstanding balance in full you could lose your home.

You'll also need to be aged over 18, have a maximum of two applicants - both of whom must be on the mortgage and the title of the property. Your term must finish before you turn 70.

Speak to your Premier Banking Manager

Manage your current mortgage online

To manage your mortgage online, all you need is your mortgage account number, the mortgaged property’s postcode and your personal details.

Features available to manage your mortgage online:

Set up a regular overpayment, make a lump sum overpayment and use overpayment calculator

Change your payment date or payment bank account

Set up a direct debit or request a Certificate of Interest

Switch to a new rate

Request permission to let your property

View your current balance

Check your last valuation amount and your loan to value amount

Check your monthly payment & due date

Sign-in to manage your mortgage online today

Mortgage tips

We understand that investing in property is a complex process. Let us help you make the best decision for your needs with our dedicated mortgage service and range of tools and guides.

Mortgage calculators

Moving home guide

Buying your first home guide

Mortgage rate finder

 

I'm ready to apply

Get started with your mortgage application

Apply by phone

Contact a member of our mortgage team by phone.

We’ll talk you through the process and arrange a phone appointment with a qualified mortgage adviser.

Your appointment will take around 2 hours.

Speak to our UK-based team.

Telephone: 0333 202 3330
International: +44 161 933 7239
Minicom: 0800 027 1395

Premier Banking Manager

You can speak to your Premier Banking Manager about your options or browse our full range of mortgages.

They'll have the latest exclusive offers and are available at a time that suits you.

Telephone: 0333 202 3330
International: +44 161 933 7239
Minicom: 0800 027 1395

Apply online

Apply online if you are comfortable in choosing a mortgage without advice from us. However, you won’t benefit from the protection provided by our advised service.

You cannot apply for a Help to Buy, Right to Buy, 95%, Interest Only or Shared Equity mortgages online.

What you'll get:

An indication of how much we could lend to you

A personalised illustration of our mortgage range

You'll be ready to complete your application online today

Before you start:

We do not offer mortgages to those under 18 or not resident in the UK.  
We do not offer multi-party or guarantor mortgages.

 

Are you ready to continue?

What you'll need to apply online today

Income - Your gross income details. This should match the amounts shown on your proof of income documents, eg pay slips and details of any other income you have.

Outgoings - Details of any loan repayments and any credit card balances.

Address - Your current address and post code and the date you moved to this address.

Bank details - Your bank account and sort code number.

Contact details - Your employer's, solicitor's and estate agent's address and postcode.


Your Agreement in Principle is the first step to applying online today. We use a soft credit check at this step, which has no impact on your credit file.