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Managing your NatWest mortgage
Existing mortgage customers
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Help with your NatWest mortgage now and in the future
Managing your NatWest mortgage
Here you will find details on how to switch your mortgage or borrow more through to making changes to your current mortgage such as making overpayments and changing your payment date or term
Please Note: We no longer offer changes to interest only as a repayment method or additional borrowing on an interest only basis.
Switch online
£100 Cash back
Want to switch to a new NatWest mortgage deal?
Special offer – £100 Cash back when you switch online to a new fixed rate or tracker rate mortgage deal. Eligibility criteria apply.
Search our mortgage rates
Looking for a new deal on your existing home?
Is your existing NatWest deal coming to an end?
If you are at (or within 3.5 months of) the end of your current deal, search our mortgages for your next deal.
On our Standard Variable Rate (SVR)?
If you are currently on our SVR but want to find a new mortgage deal, search mortgage rates for a new deal.
Ending a current NatWest mortgage deal early?
If your circumstances have changed and you want to review your options you can. You can move to a new deal however please note an early repayment charge is likely to apply.
Want to use your Track and Switch facility?
Find a new mortgage deal on existing home
Search our mortgage rates
Moving home?
Want to move your NatWest mortgage with you?
If you have an existing mortgage with us and want to move house you can take your NatWest mortgage with you when you move.
Our products are portable, and no Early Repayment Charge (ERC) is applicable, if you have the same borrowing amount or more. To port your mortgage you will need to have a valuation for the new property, remain on the same Loan to Value, meet our credit criteria and port within three months of this.
Moving your mortgage is subject to conditions, please call one of our team who can help. Phone 0800 092 9583
Moving home and looking for a new deal?
If you have an existing mortgage with us and you’re looking for a new deal you could reduce the amount of your mortgage, borrow more, or change your mortgage repayment type. Use our Mortgage Calculator to find out about our great deals to help you finance your next home.
Borrowing more
If you are borrowing more on an existing mortgage, we have an additional borrowing range you can choose a new deal from.
If you are switching to a new deal and taking additional borrowing at the same time, you can benefit from taking all borrowing on the same rate and you will only pay one product fee.
Changing your mortgage details
We are here to help you with every aspect of your mortgage. For example you may want to change the way you repay your mortgage, check your mortgage rate or repayment holidays. Your circumstances may also have changed and your mortgage doesn't suit you any more. If there's anything we can help with, please talk to us.
Making overpayments
You can overpay 10% of your mortgage balance each year. This will reduce the amount of interest you pay. If you make regular overpayments you may want to think about our Offset Flexible Mortgage.
You may want to change the way you repay your mortgage, check your mortgage rate or repayment holidays - get in touch with us.
Changing your mortgage term
You can have a mortgage up to age 65, or age 70 if you can evidence that you have sufficient income post retirement.
Remember, if you increase your term you’ll pay more interest.
Transfer of title
If you want to add or remove other people to or from your mortgage, just call us and we’ll arrange this.
Helping you pay off your mortgage earlier
Offset flexible mortgage
Find out what offsetting could mean for you and see how much less you could be paying each month if you set your savings against your mortgage.
Offset mortgage at a glance
| Interest rate | Overall cost for comparison | Product fee |
|---|---|---|
| 4.00% variable | 4.2% variable | £499 |
| Minimum deposit | 20% for capital and interest repayment option | |
| Purpose | Purchase or remortgage | |
Helpful tools
Tools to help you plan
Use our range of tools to help you choose the right mortgage for you. Search our mortgage rates, work out how much you can borrow and how future rate changes could affect your repayments.
Use our Offset flexible mortgage calculator to see how much less you could be paying each month if you set your savings against your mortgage.
Frequently asked questions
What other people are asking us
Awards
We've won more awards
NatWest has been awarded 'Best Bank for Mortgages' for an impressive 19th time in the past 23 years and
for the 4th year in a row we’ve also won 'Best First Time Buyer Mortgage Lender'.
Best Bank
NatWest
Best First Time Buyer Mortgage Lender
NatWest
Frequently asked questions
What if I am having trouble paying my mortgage?
If you are having trouble paying your mortgage, we will treat you fairly.
We will:
- contact you as soon as possible to discuss your problem;
- talk to agencies who give advice (for example, Citizens' Advice) and are acting on your behalf if you want us to;
- give you a reasonable time to pay back the debt; and
- only start proceedings to repossess your home if we cannot solve the problem with you.
We might be able to:
- arrange a new payment plan with you taking your and our interests into account;
- change the way you make your payments or the date you make them;
- allow you to pay back your mortgage over a longer period of time (which could reduce your monthly payments). This may increase the total amount you pay back; or
- change the type of mortgage.
If we cannot do any of these things, we will tell you why. If we can make one of these arrangements with you, we will explain how it would work and give you an agreed period of time to consider it first.
What you can do to help us:
- Tell us as soon as possible if you are having problems repaying your mortgage, or anticipate having problems.
- Get in touch with us quickly if we try to contact you.
- Make sure you keep any other people paying the mortgage, and anyone guaranteeing the mortgage, up to date with what is happening.
- Keep to the payment plan we agree with you. If you do not make the payments, we might have to go to court to get back any money you owe us or to repossess your property.
- Check whether you can get any state benefits or tax credits.
- If you have an insurance policy, check whether it would help with your payments.
- Tell us if you move to a new address.
You may want to talk to a professional adviser, such as a debt counsellor or a lawyer, before you change your mortgage arrangements.
Costs and charges
We may charge you for administrative and legal costs. We will tell you the amount you will have to pay.
If we cannot agree on a solution
- If we cannot agree on a payment plan with you, we may go to court to start proceedings to repossess your home.
- We will keep trying to solve the problem with you, by talking to you about a payment plan, throughout the process or assisting you with the sale of your property.
- Before we repossess your home, we will give you advice about getting in touch with your local authority to see if they can find you somewhere else to live.
If we repossess your home
- We will sell it for the best price we can reasonably get. We will try to sell it as soon as possible.
- We will give you reasonable time to take your possessions from your home.
- We will use the money raised from selling your home to pay your mortgage first, then any other loans or charges secured on the property.
- If there is any money left over, we will pay it to you.
If selling your home does not raise enough money to pay off the mortgage
- If there is not enough money from the sale to pay the whole mortgage, you will still owe us the amount that is left. We will tell you what this is as soon as possible and contact you for you to arrange to pay back what you still owe.
- If you bought your home with other people, each of you is responsible for all the money borrowed. This is true even if you normally only pay part of the mortgage.
- We will take account of your income and outgoings when we arrange a payment plan with you. But if we cannot arrange a suitable plan, we may go to court to get our money back. You might have to pay the court costs.
- Not being able to pay off your mortgage could affect whether you are able to get credit in future.
Frequently asked questions
What happens when my deal comes to an end?
We'll write to you around three months before your mortgage deal ends with information about the products you'll be eligible to switch to. We'll tell you your existing deal end date and how to go about switching to a new deal.
Frequently asked questions
How do I arrange a new mortgage deal?
You can switch to a new deal if your existing deal is within 3.5 months of ending or if you're paying the Standard Variable Rate. We have exclusive rates available to existing customers. There's no need for a valuation or credit check unless you want to change the valuation we store for your property at the time of the last application . Call us on 0800 092 9585 (minicom 0800 917 0789), contact your local branch or use our online switching service.
Frequently asked questions
What is a Higher Lending Charge (HLC)?
The Higher Lending Charge is a fee that reflects the increased risk to the lender when the loan is a large percentage of the value of the property. (The lender may agree that you can add the Higher Lending Charge to your mortgage, although this means that you will pay interest on it). For NatWest, the Higher Lending Charge rate is only applicable for loans over 90.01% Loan to Value (LTV). We will discuss this with you as part of the mortgage appointment if applicable.
An HLC is not applicable to NewBuy mortgages.
Frequently asked questions
Can I move home and keep my current mortgage?
Yes. We can move your mortgage to your new home. There's also the potential to arrange additional borrowing to cover any extra costs for the new property.
Frequently asked questions
Why is the new rate you're offering different to my previous rate?
The rates we offer are related to the Bank of England base rate and interest rates in general. As these rates move up and down over time, the rates we can offer you also move up and down.
How can we help?
Call us or we can call you
Existing NatWest Mortgage Customer Services
If you already have a Mortgage with us, call 0800 092 9585
New Mortgage Sales and Information
To discuss arranging a mortgage with us, call 0800 096 9527
Minicom number
Customers with hearing and speech impairments can contact us by Minicom number 0800 917 0526
Opening hours:
Service - Mon to Fri 8.30am - 6pm, Sat 9am - 12.30pm.
Sales - Mon to Fri 8am - 8pm, Sat 9am - 4pm.
Excluding public holidays.
Calls may be recorded.
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