Step 1: Get an Agreement in Principle
Get a personalised indication of how much you could borrow in less than 10 minutes.
It won't impact your credit score.
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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.
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Could you get a little help to move into your own home more quickly?
A NatWest Family-Backed mortgage, sometimes known as a ‘joint borrower sole proprietor’ (JBSP) mortgage, can help buyers get onto the property ladder sooner or borrow more. It lets you add a second person to your mortgage but without them owning the property.
Adding a second person to your mortgage as a 'non-owner', can help you borrow more than you would otherwise have been able to borrow, which means you could buy your own home sooner than you thought. And, the non-owner could be a family member or friend. Exclusions and criteria apply.
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We provide you with the information to enable you to make an informed decision about a mortgage product that is right for you. If you don't feel confident applying for a mortgage by yourself, you can arrange an appointment with one of our mortgage advisers, who could advise you on a product suitable for your needs. By making your own choice you do not benefit from the protection of us making a recommendation suitable for your needs and you alone are responsible for the choice that you make. This means that you would not be eligible for compensation if the product you choose turns out to be inappropriate for your needs.
Are you thinking of buying a new build home?
If you are buying a home that has been built in the last 2 years or has an Energy Performance Certificate (EPC) rating A or B you could take advantage of our Green Mortgage options with lower interest rates on selected mortgage products.
Which type of mortgage is best for first time buyers?
There are different types of mortgage that you could consider. There are also different mortgage rates available. There's no one 'best' type for first time buyers – it will come down to what works best for you.
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Benefits for first time buyers
First time buyers may benefit from certain types of help and mortgage deals. This assistance could include government schemes, specific mortgage products, Stamp Duty relief and even the backing of a Lifetime ISA to build a deposit.
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95% mortgages
A mortgage with as little as a 5% deposit. Exclusions & eligibility criteria apply.
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Cashback mortgages
Get £150-£1,000 cashback on selected mortgages. Criteria apply.
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Green mortgages
Go green to save money on your mortgage. Available on select products. Product fees may apply.
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