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Welcome to our mortgage options

Thinking about moving home? We could help

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

Step 1: Get an Agreement in Principle

  • Get a personalised indication of how much you could borrow in less than 10 minutes. 
  • It will not impact your credit score.
Find out how much you could borrow

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.
Click to apply online

Here's what you need to know

Your guide to the big move
Home movers guide Open in new window
What is stamp duty?
Stamp duty Open in new window
Owning a home with someone else
Joint mortgages Open in new window
Cover for the things that matter
Home & Life Insurance Open in new window

Use our mortgage calculator

Get a rough idea of how much we might be able to lend you, see our rates, the monthly payments and find out about any fees involved.
Mortgage calculator Open in new window
female sitting in a room of cardboard boxes

Get a little support on a fresh start

A NatWest Family-Backed mortgage, sometimes known as a ‘joint borrower sole proprietor’ (JBSP) mortgage, can help buyers get moving 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 move home sooner than you thought. And, the non-owner could be a family member or friend. Exclusions and criteria apply.

Find out more about Family-Backed mortgages Open in new window
female sitting in a room of cardboard boxes

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.

What are the costs involved with moving home?

As well as your deposit, when buying a property and taking out a mortgage there are usually other costs that need to be considered.  

Typical costs that often apply to most buyers include;

  • Stamp Duty - If you're buying a property or land, you’ll probably have to pay stamp duty. How much Stamp Duty you pay depends on the purchase price and location of the property.
  • Mortgage valuation - This is the main valuation that lenders need to check to see if the property you are buying is worth the money you are going to spend on it. Mortgage valuations can cost from £250-£1,500 depending on the value of the property.
  • Conveyancing fees - Fees for the legal work completed by the solicitor or conveyancer when buying or selling a property.
  • Home Insurance - Protect your home and belongings. We offer four levels of home insurance cover that you could choose from. NatWest Home insurance policies are underwritten by U K Insurance Limited.

View more information on other costs to consider when moving home.

Do you need a deposit when moving home?

A mortgage deposit is required when you take out a new mortgage on a property.

A larger deposit would mean that you are borrowing less towards the purchase of your new property. This could lower the overall cost of your mortgage.

Saving money towards a deposit for a new home can be challenging and, if you need to move sooner, a 95% mortgage could be a suitable option.

Exclusions & eligibility criteria apply to 95% mortgages.

With a 95% mortgage, also known as a 5% deposit mortgage, you would only need to have 5% of the purchase price of the property saved and ready to put towards the purchase of the property.

You can use our mortgage calculators to find out how much you may be able to borrow and what your potential monthly repayments could be.

For a more accurate indication of what you could borrow, get an agreement in principle. It takes less than 10 minutes and doesn’t impact your credit score.

Already have a mortgage with us? Your mortgage could move with you

Most of our mortgages can be moved to your new home, avoiding early repayment fees if you're still on a deal. This is called 'porting'... move home more easily with us

Help with common questions

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