Welcome to our mortgage options

Thinking about moving home? We could help

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.

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.

Here's what you need to know

Your guide to the big move

What is stamp duty?

Owning a home with someone else

Cover for the things that matter

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.

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

Help with common questions

Need some help?

Call us

Something else we can help you with?