A step-by-step guide to applying for a mortgage

Choose how you want to apply

Apply Online

If you are confident in choosing the right mortgage without any advice from us, you can apply online.

You need to be aware that you will be responsible for the mortgage that you choose.

Already Started? Pick up where you left off

Apply over the phone

Need advice to select the right mortgage product for your circumstances?

Make an appointment to speak to one of our mortgage professionals, on a phone or video call.

Call us now on 0800 096 9527

Opening hours: Mon-Fri 8am-6pm, Sat 9am-4pm, Sun Closed. Excluding public holidays.

Relay UK: 18001 0800 096 9527

Steps to apply for a NatWest mortgage

  1. 01

    Check you have your supporting information ready

    To get a mortgage approval, we will need to assess your mortgage eligibility. To do this, you will need to provide us with:

    • Income
    • Employment
    • Outgoings
    • Address

    Online mortgage application checklist


  2. 02

    Get an Agreement in Principle.

    What is an Agreement in Principle? It will tell you how much we could lend you based on your income, property value, deposit amount and mortgage term.

    • It takes less than 10 minutes online
    • It gives you a personalised lending indication
    • It has no affect on your credit score
    • It can be useful for viewing and making an offer on a property.  

    Get an Agreement in Principle

  3. 03

    Pick a mortgage and apply

    After working out how much we could lend you, we'll give you a breakdown of your options. You can then pick the one that best fits your mortgage requirements.

    You will then get a personalised mortgage illustration. It will show you the selected mortgage type, term, interest rates and any fees.

    Learn about our mortgage types

Already applied for a mortgage and need your offer extended?

If you’ve had a mortgage offer with us approved and can't complete within the agreed timescale, we're here to help. You can apply to extend your mortgage offer by 1 month to give you extra time to complete buying your new property or re-mortgaging your existing property. Find out more

If you have applied for your mortgage with NatWest via a Broker/Intermediary - please contact them to discuss extending your mortgage offer.

By requesting an extension to your mortgage offer you are acting on behalf of all parties named on the mortgage.

Already have a NatWest mortgage?

If you're already a NatWest mortgage customer, you won't need to resubmit paperwork, such as evidence of income, unless your circumstances have changed.

Log in to Manage Your Mortgage, see what offers are available and apply online.

All you need are your mortgage account number, name, date of birth and your postcode.

Need some help?

Call us

Something else we can help you with?