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NatWest Family-Backed Mortgage

You could borrow more to buy your first home by adding a second person to your mortgage.

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NatWest mortgages are available to over 18s. Your home may be repossessed if you do not keep up repayments on your mortgage.

Why choose a NatWest Family-Backed Mortgage?

You could buy sooner

Support from a family member or friend could help you buy your home earlier.

You could boost your buying power

An additional income may help you borrow more and give you access to a wider range of properties.

You’ll have full ownership rights

You're the sole owner of the property, even if someone else supports your application.

What is a NatWest Family-Backed Mortgage?

A NatWest Family-Backed Mortgage lets you add a family member or friend to your mortgage without them owning the property. It can help you borrow more by taking their income into account, as well as yours. It's sometimes known as a 'joint borrower sole proprietor' (JBSP) mortgage. As it's a joint mortgage, both parties are responsible for paying it back.

Who's eligibile for a NatWest Family-Backed Mortgage?

Check if you're eligible

To apply, you must make sure:

  • The main applicant (owner) earns at least £20,000 a year before tax. 
  • There are only 2 applicants: 1 owner and 1 non-owner.
  • Both applicants are aged 18-75, are UK residents or have the permanent right to live in the UK.
  • The mortgage is for a home you intend to live in, not to rent out.
  • The non-owner gets independent legal advice.
Information Message

Information Message

Both applicants must meet our mortgage criteria. The mortgage term may be limited by either applicant's intended retirement age. Not available with the Shared Equity or Right to Buy schemes. 

Get an Agreement in Principle

Get a personalised indication of how much you could borrow with an Agreement in Principle (sometimes called an AIP or Mortgage in Principle). It takes less than 10 minutes and won't impact your credit score.

Information Message

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We can’t give any advice or recommendations about who the applicants for a mortgage should be. When applying, you’ll need to say who should be named on the mortgage.

Meaningful image of worked example showing child being able to borrow the amount needed when adding her mum to the mortgage as the non-owner borrower

How much could you borrow?

Quickly get an idea of how much you could borrow with a NatWest Family-Backed Mortgage, in less than five minutes using our handy mortgage calculator.

Information Message

Example provided for illustration purposes only. All borrowing is subject to affordability. NatWest Family-Backed Mortgage is subject to non-owner borrower also getting independent legal advice from a separate legal advisor to the one dealing with your conveyancing.

Use the Family-Backed Mortgage Calculator Open in new window

Independent legal advice is needed

The non-owner on a NatWest Family-Backed Mortgage will be just as liable for the mortgage payments as the owner-occupier. 

To make sure that the non-owner fully understands their responsibilities and the expectations on them, they’ll need to get independent legal advice from a solicitor that is separate to the regular conveyancer needed when buying a new home.

As a non-owner, they’ll need to return an Independent Legal Advice certificate proving they’ve been given legal advice about the Family-Backed Mortgage.

The legal advisor that provides the advice must be regulated by either the Solicitors Regulation Authority, Council for Licensed Conveyancers or Chartered Institute of Legal Executives.

Non-owner fact sheet

Review the following document to find out more if you are planning to be a non-owner on a NatWest Family-Backed Mortgage.

Ready to apply for your mortgage?

Apply online today or contact us if you'd like support.

Save progress and come back whenever you like.

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Need some help?

Call us

We're on hand to arrange a phone or video call with one of our qualified mortgage professionals. We can also help with any general queries about the process. 

Call us on ${dn-0800 096 9527} 

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

Relay UK: 18001 0800 096 9527