Your home or property may be repossessed if you do not keep up repayments on your mortgage.
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Manage your Mortgage with the NatWest app
Start by downloading our app or scanning the QR code on your mobile or tablet. Not into apps? Use 'Manage Your Mortgage' through Online Banking instead.
Our step by step guide makes it even easier to get yourself up and running with the app.
You’ll need your mortgage account number, which is in your mortgage documents. Only have a mortgage with NatWest? No stress. Whenever we ask for an account number, simply use your mortgage account number.
Allow 2 working days after the completion of your mortgage before signing up for our app.
Our app is available to personal and business banking customers aged 11+ using compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries.
Manage Your Mortgage your way
Prefer to Speak to Someone?
Call our mortgage team directly on 0345 3020190 (Relay UK 18001 03453020190). Lines open Monday to Friday 8am to 6pm and Saturday 9am to 4pm. Excludes bank holidays.
Webchat
Get real-time help via our secure online chat service, available through our app.
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Support in branch may be limited.
Please note that some services are now exclusively available online, including one-off lump sum payments, setting up or changing regular overpayments, switching your mortgage rate, and updating direct debit details.
Banking My Way
Banking My Way is a free service that allows you to record any additional support or adjustments you may need to make your banking easier. The information will be shared on our internal systems, which means you won’t need to repeat it every time you interact with us.
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The Banking My Way service is available to customers aged 16 or over in the mobile app or Online Banking. For customers under 16, parental consent is required and information must be recorded in branch or over the phone.
Make overpayments
In your app you can make a one-off overpayment, set up a regular overpayment or a combination of both. Overpayments are a great way to reduce your balance and the amount of interest you’ll pay.
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If you’re on a fixed or tracker rate product, you’ll have an annual overpayment allowance of 20% before an Early Repayment Charge (ERC) will apply.
Go paperless
Go paperless today to get your Mortgage Annual Statements and other mail in your app. If you switch to paperless mail we’ll automatically email you a notification to let you know when you have a new item of mail to view.
To view your documents tap the ‘Mailbox’ option in the main menu in your app.
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What to do when your deal ends
We’ll write to you ahead of your current mortgage deal ending to let you know what your options are.
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Free, independent legal advice
You can visit maps.org.uk for free and impartial information. This also includes advice about setting up a home, which you might find helpful.
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If you're having trouble paying your mortgage
Worrying about paying your mortgage can cause a lot of stress. If you’re having trouble, it’s important you get in touch as we're here to help. Together, we'll explore options to help you get back on track and feel more confident about your home and future.