Online Banking
We use cookies to help provide you with the best possible online experience. By using this site, you agree that we may store and access cookies on your device. You can find out more and set your own preferences here.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Here every step of the way
Moving home with NatWest
Do you have a mortgage with another lender?
When you’re moving home there’s always a lot to think about. If you're currently with another lender but want to know what mortgage rates we've got available, use our tools and guides here or talk to us to find the right NatWest mortgage for you.
Already have a NatWest mortgage and moving home?
You can move your NatWest mortgage with you (moving your mortgage is subject to conditions) or look for a new deal when you move home. Find our more about Managing your current NatWest mortgage.
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.
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 | |
Home Insurance
Are you covered?
Once you exchange contracts, your lender will insist that there is adequate buildings insurance cover in place and it is advisable to also take out contents insurance. This can be arranged to start at a date in the future, so that it's one less thing to think about.
Frequently asked questions
What 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
Do I always need life insurance
Life insurance is not always mandatory when taking out a mortgage. However, having the right protection in place gives you and your family peace of mind knowing that financial help will be available if you are no longer able to provide that security. Don't forget that as well as covering any mortgage borrowing you may also wish to make provisions for ongoing household costs. In addition many policies offer optional critical illness cover which can cover events such as heart attacks and long term illness. Find out more about life insurance.
Frequently asked questions
What is a fixed rate mortgage?
It's a mortgage where the rate of interest you pay is fixed for an agreed term. So you always know how much your mortgage payments will be during that term even if interest rates go up or down. At the end of the fixed rate term you'll usually revert to the Standard Variable Rate.
Frequently asked questions
What is a tracker mortgage?
With this type of mortgage the rate of interest you pay is normally the NatWest Bank base rate plus a set percentage. If the base rate rises or falls, so will your monthly mortgage payments. Tracker rate mortgages usually have a minimum interest rate. At the end of the tracker term you'll usually revert to the Standard Variable Rate.
Frequently asked questions
What does APR mean?
APR stands for Annual Percentage Rate. It is there to help you compare the cost of different mortgage deals. It takes into account the amount of interest you will pay, the term of the mortgage and certain other charges, such as product and valuation fee.
Frequently asked questions
Can I get a mortgage offer before I find my property?
You can choose the mortgage that suits you best and get an 'agreement in principle' from a lender. However, your lender won't make a formal mortgage offer until a valuation has been carried out on the property you wish to buy or remortgage.
Frequently asked questions
What does Bank of England base rate mean?
The official bank rate (also called the Bank of England base rate or BOEBR) is the interest rate that the Bank of England charges banks for secured overnight lending. It is the Government's key interest rate for managing monetary policy.
Introduction
[Video not loaded]
Javascript is currently turned off on your browser, please turn on javascript to view video
If I'm looking for a mortgage, where do I start and who can help me?
[Video not loaded]
Javascript is currently turned off on your browser, please turn on javascript to view video
What types of mortgages are there?
[Video not loaded]
Javascript is currently turned off on your browser, please turn on javascript to view video
How does the mortgage application process work?
[Video not loaded]
Javascript is currently turned off on your browser, please turn on javascript to view video
What factors should I consider when arranging a mortgage?
[Video not loaded]
Javascript is currently turned off on your browser, please turn on javascript to view video
How do I repay my mortgage?
[Video not loaded]
Javascript is currently turned off on your browser, please turn on javascript to view video
What's the best way to get a deposit as a first time buyer?
[Video not loaded]
Javascript is currently turned off on your browser, please turn on javascript to view video
As a First time buyer, how can I boost my ability to get a mortgage?
[Video not loaded]
Javascript is currently turned off on your browser, please turn on javascript to view video
What can NatWest do to help first time buyers?
[Video not loaded]
Javascript is currently turned off on your browser, please turn on javascript to view video
Our simple borrowing calculator
How much can I borrow?
All figures provided are for illustrative purposes only.
Your home may be repossessed if you do not keep up repayments on your mortgage.
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.
Visit the world of NatWest
Visit...