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Mortgages

Online Mortgages

NatWest mortgages are available to over 18s. Your home may be repossessed if you do not keep up repayments on your mortgage. You are responsible for the mortgage you choose if you apply online.
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Why do you offer lower mortgage rates online?

As we don't provide advice when you apply for a mortgage online, we're able to offer lower rates on our online only mortgages.

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.

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What are online mortgages?

We offer lower mortgage rates on our online only mortgage products for:

  • Selected residential home purchases up to 85% LTV
  • Selected residential remortgages up to 85% LTV.

If you are confident choosing the right mortgage for you without advice, you could get some of our lowest rates when you apply online.

However, 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.

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We issue online mortgage decisions by the next working day.

Complete an Agreement in Principle to see how much you could borrow and if you could get a decision by the next day when you apply online. This is subject to us having no follow up questions and passing an online property assessment. Excludes self-employed.

For applications submitted on weekends or bank holidays, we will start processing the first day we are open.

Find out how much you could borrow Open in new window
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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.

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Online mortgage applications are not suitable for everyone

You can arrange an appointment with one of our qualified mortgage advisers. Contact us

How do I apply for a mortgage?

Getting an Agreement in Principle (AIP) is the first step towards applying for a mortgage. It gives you a personalised indication of how much you could borrow and allows you to see the rates available to you.

Getting an AIP:

  • Doesn't impact your credit score.
  • Takes less than 10 minutes.
  • No obligation to get a mortgage with us.

Once you've reviewed the rates available to you, you can then decide whether to continue to apply online by yourself or make an appointment with a mortgage adviser.

Go to AIP Open in new window

Pick up where you left off

Compare our mortgage rates

View our mortgages, compare rates and see how much you might be able to save using our mortgage rate finder.

Our rate finder tool lets you compare our latest mortgage rates.

Mortgage rate finder Open in new window

Need some help?

Call us

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

Call us on ${dn-0800 096 9527} 

Relay UK: 18001 0800 096 9527

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