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Help with the housing ladder

Mortgage guides and helpful information

Your home or property may be repossessed if you don't keep up repayments on a mortgage.

Buying your first home

Getting a mortgage is perhaps one of the biggest decisions we make with our personal finances, so mortgages can be daunting if you haven't had one before. However, our detailed guides are a great place to start.

How do mortgages work?

Read our beginner guide to help you understand what mortgages are and how they work.

A guide to buying your first home

Understand the various steps it might take to become a first time buyer.

Valuations and surveys

When you're taking out a mortgage, you'll almost definitely need to have a mortgage valuation.

You may also want to consider optional house surveys too.

More first mortgage guides

Applying as a first time buyer guide

Read through our guide for buying your first home.

Costs of buying a home guide

Get an understanding of some of the potential costs involved with a property purchase.

Mortgage jargon buster

There's lots of terminology you might hear or read when buying a home. Demystify the process with our handy jargon buster.

Mortgage deposits

Learn more about how much deposit you may need for a mortgage and how mortgage deposits work.

How does mortgage equity work?

Equity is an important concept to understand when taking out a mortgage. Learn more here.

What is the mortgage guarantee scheme?

Learn about how this scheme could help you get a 91 - 95% mortgage.

Guidance on buy to let mortgages

A buy to let mortgage is designed for when you are buying a property to rent out to others.

Becoming a landlord can be challenging. Our guide might help with answering some of the most common questions.

Moving home?

If you're planning a home move, there may be various options available for your mortgage.

Moving home guide

Read our home movers guide for helpful information.

Applying for a mortgage when moving home

Understand some of the things you may need to consider when applying for a moving home mortgage.

Taking your mortgage with you

Learn more about how you may be able to take your existing mortgage with you.

What about remortgaging?

A remortgage is when you move the mortgage you currently have on a property to another lender.

There's a few things to consider if you're thinking about remortgaging. Check out our remortgaging frequently asked questions

You might also be interested in our remortgaging stories, shedding some light on why UK homeowners surveyed in 2020 chose to remortgage.

Sustainable mortgages and housing

As our climate becomes more and more important, the way we build, heat and run our homes is a consideration for everyone.

Understanding EPC Certificates

Learn more about Energy Performance Certificates and how they work.

5 ways to reduce your energy bills

Saving money and living sustainably - what's not to like?

What are green mortgages?

A green mortgage could be an option if your property has a certain EPC rating.

The NatWest Greener Homes Attitude Tracker

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