Mortgage calculators
Our mortgage calculator hub has all of the tools that can help you find the right mortgage. Find out what your payments might be, how they might be changing and how you can manage your money.
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Mortgages
Mortgages with NatWest
What are you looking to do?
NatWest mortgages are available to over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Apply for a mortgage AIP in less than 10 minutes
If you are looking for a mortgage with us, you can apply for an agreement in principle today in less than 10 minutes. If you are an existing customer you can also log in to manage your mortgage with us.
Step 1: Find out what we could offer you
- Get a personalised indication of how much you could borrow in less than 10 minutes.
- It won't impact your credit score.
Step 2: Ready to apply for your new mortgage?
- Apply online today or contact us if you'd like support.
- Save progress and come back whenever you like.
Mortgage rate finder
Use our mortgage rate finder tool to view our current mortgage rates and find out what your monthly payments might be. Filter rates by buyer type, fixed or tracker rate mortgages.
How much can I borrow?
You can find out how much we might be able to offer you with this calculator before completing an agreement in principle. Every lender has different requirements.
You could buy your new home with just a 5% deposit
With our range of 95% mortgages, you could be moving into your new home sooner than you imagined.
Find out more about 95% mortgages
Exclusions & eligibility criteria apply.
Looking for a new mortgage?
First home
It can be daunting when you are looking for a first time buyer mortgage, but we're here to help.
Remortgage
If you're coming to the end of your mortgage deal, you may want to move your mortgage to a new lender.
Moving home
Understand mortgages if you're moving home including possible costs, deposits and more.
Buy to let
Learn about your mortgage options if you're buying a property with the intention to rent it out.
Already have a mortgage with us?
If you need to manage your mortgage, or are looking for support, our existing customer information should help.
Alternatively, if your current rate is up for renewal or already come to an end, have a look at how we can help you switch to a new deal.
Applying for a mortgage
Apply online today, or contact us if you'd like support.
We'll ask you to complete an Agreement in Principle before starting a mortgage application.
Already started your application?
If you’ve already got an Agreement in Principle, and have begun your application, you can pick up where you left off.
Learn about home-buying with our mortgage guides
Getting a mortgage can seem tricky. There are lots of different factors to consider and different types of mortgages to compare.
We’ve created some mortgage guides to help you through the process:
'Homes for Ukraine'
The UK government has launched a scheme to allow UK residents to take refugees from Ukraine into their homes or properties - by becoming sponsors.
Are you interested in becoming a sponsor?
Common mortgage questions
What are mortgages?
Put simply, a mortgage is a type of loan to buy or refinance a property.
Learn more on our how do mortgages work webpage.
Where can I get mortgage advice?
Our trained mortgage advisors can help you on your home buying journey over the phone, via video or in branch.
Find out more below.
What are the main types of mortgage?
- Fixed rate mortgage - your repayments have a fixed interest rate for a period of time
- Tracker mortgage - your interest rate is linked to the Bank of England base rate.
- Interest only mortgage - your monthly repayments just cover the interest on the money you have borrowed.
- Mortgages with different loan-to-value (LTV) - we offer relatively high LTV mortgages, including 95% mortgages and 90% mortgages.
There are other types of mortgage that may be a good option for you. You can compare mortgage types to learn more.
Do I need protection when taking out a mortgage?
It is important to protect your home and those you care about, should the worst happen.
Home insurance
Having Buildings Insurance is a condition of our mortgage offer, but you don’t need to buy it through NatWest and it doesn’t affect how much we’ll lend you.
Find out more about Home Insurance here.
Home insurance is underwritten by U K Insurance Limited.
Life insurance
Life insurance is not a requirement of our mortgage. However, having one in place could offer you the confidence that whatever happens, you or your loved ones could be protected.
Find out more about Life insurance here.
Life insurance is provided by AIG Life Ltd.
Mortgage help and support
Download general information about mortgages
Please take the time to read the information below before taking out a mortgage
Need some help?
