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Natwest mortgages
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Mortgages for first time buyers, home movers, remortgagers and buy-to-let borrowers
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What mortgages do NatWest offer?
NatWest (National Westminster Bank) offers fixed-rate, standard variable-rate, tracker and offset mortgages for first-time buyers, home movers, remortgagers and buy-to-let borrowers. There’s also interest-only and buy-to-let mortgages, as well as remortgaging.
If you have a current residential mortgage with NatWest, you could also borrow more on your existing mortgage to improve your home.
NatWest also offers bank accounts, savings accounts, loans, investments and more.
National Westminster Bank Plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Why get a mortgage through NatWest?
NatWest is a well-established lender, offering many different mortgage types and decent mortgage interest rates. Whether you’re on an existing mortgage, or looking to get a new mortgage, you’ll likely be able to find a suitable NatWest mortgage deal.
If you’re a first-time buyer looking to purchase your first home, NatWest can provide up to 95% loan-to-value of the property price, meaning you’ll only need a minimum deposit of 5%.
NatWest has a strong high-street presence, too. So, if you prefer to get help in person, you should be able to easily get to a local branch.
What types of mortgages do NatWest offer?
NatWest offers a range of mortgage types for first-time buyers, home movers, remortgagers and buy-to-let borrowers, including:
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95% mortgages
NatWest offers 95% mortgages, helping first-time buyers get on the property ladder with a minimum deposit of 5%.
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Portable mortgages
If you’re moving home, NatWest offers portable mortgage deals for existing mortgage customers, as well as new mortgage deals for new customers.
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Remortgaging
Remortgagers can find a new mortgage deal with NatWest. If you’re an existing NatWest customer, you can move to a different rate. And if your current mortgage is with another lender, you can switch to NatWest.
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Buy-to-let mortgages
NatWest offers buy-to-let borrowers ‘capital and interest’ or interest-only mortgages, on a fixed-rate or tracker deal.
How to get the best mortgage deals
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Considering fixing for peace of mind
A fixed-rate mortgage can offer peace of mind because you’ll know what your monthly repayments are. But a tracker mortgage could be cheaper overall. It’s important to consider what suits your financial circumstances and attitude to risk.
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Check the fees and pay them upfront
Consider any fees attached to the mortgage deal, as these can add considerably to the overall cost - especially if you don't pay them up front. Also, factor in the length of the initial term – there is likely to be an early repayment charge if you want to leave early.
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Check your credit report for committed spending
Check your credit report before applying for a new mortgage. Existing financial commitments have a big impact on what mortgage rates and deals you’ll be offered. You can also take steps to improve your rating where possible, such as getting on the electoral roll.
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Shop around
By shopping around, you can look across the whole mortgage market to find deals that suit your needs. That’s where we can help. Whether you’re looking to buy or remortgage, we offer a comprehensive mortgage comparison across the market to source the right one for you.
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How do I compare NatWest mortgage deals?
You can use MoneySuperMarket to find and compare mortgage deals by type of mortgage, initial monthly cost (for the mortgage deal), initial interest rate for the deal, the maximum loan-to-value each provider offers, and whether there are any mortgage fees.
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Tell us a few details
Let us know an estimate of the property value, your deposit, the length of your desired term, and how you want to repay
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We find the deals
We sift through the mortgage deals available. This way, you can see what's on offer and make an informed choice
How do I apply for a NatWest mortgage?
You can complete the entire NatWest mortgage application process online. With NatWest’s paperless mortgage application, you can upload, sign and view all your documents online.
You can also apply for your NatWest mortgage over the phone or in branch, where you’ll be able to discuss any questions you have with a mortgage adviser.
You’ll get a mortgage reference number, which you can use to track your NatWest mortgage application online.
Your NatWest mortgage offer will be valid for either six months (if you’re a first-time buyer, or you’re buying a new build property) or three months (if you’re moving home or remortgaging to NatWest).
How long does it take to apply for a NatWest mortgage?
You can apply for a NatWest mortgage in several different ways: by phone, visiting one of their branches, or filling out an online application form.
It doesn’t take long to complete an application, but it’s worth taking your time to make sure all the information is correct.
To ensure the mortgage application and approval process goes by as smoothly as possible, you should try to gather all the required supporting documents ahead of time, and make sure your application doesn’t contain any errors.
How long does NatWest mortgage approval take?
In general, you can expect to wait between two to six weeks after your mortgage application to get it approved. The amount of time it’ll take depends on the complexity of your situation.
Am I eligible for a NatWest mortgage?
Whether you qualify for a NatWest mortgage depends on whether they think you’ll struggle to keep up repayments on your mortgage.
So, if you have a bad credit score, unstable income, or don’t have job security, NatWest may perceive you as a financial risk.
Not to mention, you might also be turned down for a NatWest mortgage for other reasons, including:
Not having enough money for a deposit
Only recently started a new job
The property you want to buy has problems
You’re older than 75 years old – the maximum age NatWest has set for its borrowers
If you think you’ll be rejected by NatWest, don’t worry – you might still qualify for a mortgage deal from another dealer. Compare mortgages with MoneySupermarket to see what else is available.
How much can I borrow?
Like most lenders, NatWest will use an income multiple to determine how much you can afford to borrow. As well as your income, your credit history, age, regular outgoings, deposit amount, and any debts will be taken into consideration.
A NatWest mortgage agreement in principle helps to give you a better idea of how much you could borrow from NatWest as a mortgage – without affecting your credit score. You’ll need to provide information about your income, outgoings, and current address.
A mortgage in principle is not the same as a mortgage offer, but it can help show that you’re a serious buyer when it comes to putting in an offer for a house.
How do I contact NatWest mortgages?
You can get in touch with NatWest mortgages by:
Phone: For general mortgage queries, call 0345 302 0190 – lines are open Monday-Friday 8am-6pm (except bank holidays) and Saturday 9am-4pm
Writing: NatWest’s registered office address is 250 Bishopsgate, London, EC2M 4AA
Online chat: Cora, Natwest’s digital assistant, is available 24/7. You can access it via the mobile app, and use it to manage your mortgage payments or book an appointment
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Reviewed on 11 Dec 2025