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Mortgages

Find a mortgage that's right for you

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

What are you looking to do?

What are you looking to do?

What stage are you at?

What stage are you at?

Great, let's get you started

Buying your first property is very exciting but can also be very daunting. We've broken the whole thing down so you can take it one step at a time.

No problem, let's start saving for your first home

Saving for a mortgage deposit can feel like a big challenge. Our guide can help you work out how much you may need to save, how long it could take to reach your goal.

Great, let's see how much you could borrow

Use our borrowing calculator to get an idea of how much you might be able to borrow. Did you know you may only need a 5% deposit to buy your first home?

Find out more about 95% mortgages

Okay, let's see what you'll pay each month

If you know roughly how much your new home could cost and how much deposit you have, you can explore our current mortgage rates and see what your monthly payments could be.

Great, let's get you moving

If you've found somewhere you'd like to buy, getting an Agreement in Principle (AIP) is a great next step. It can help you understand how much you could borrow, and you can easily update it if your plans change.

What stage are you at?

What stage are you at?

Great, let's get you moving

Whether you're looking for more space, a shorter commute or a fresh start, moving home comes with lots to think about. Explore your mortgage options and learn more about the steps involved in moving home.

No problem, we have a handy calculator that works it out for you

Thinking about moving? Knowing how much equity you have could help you understand your budget for your next home. Use our calculator to get an estimate in just a few steps.

Great, let's work out your budget

Use our calculator to get an idea of how much you could borrow for your next home. It can help you understand your budget and start planning your move.

Okay, let's see what your mortgage could cost each month

Explore our mortgage rates and get an idea of what your monthly payments could be. It can help you understand what may fit your budget.

Great, let's get you moving

If you've found somewhere you'd like to buy, getting an Agreement in Principle (AIP) is a great next step. It can help you understand how much you could borrow, and you can easily update it if your plans change.

What stage are you at?

What stage are you at?

Great, let's get you started

Thinking about moving your mortgage to another lender (Remortgaging)? Whether you're looking for a better deal, want to borrow more, or your current deal is ending, our guide can help you understand your options.

Okay, let's see what rates are available

Explore our remortgage rates and see what your monthly payments could be.  Compare your options and decide what works for you.

Great, let's see if you could save

Use our calculator to compare your current mortgage with a new rate. See if you could save money and what your monthly payments might look like.

Great, let's get you started

If you're thinking about moving your mortgage to NatWest, getting an Agreement in Principle (AIP) is a great next step. It can help you understand how much you could borrow before you apply.

What stage are you at?

What stage are you at?

Great, let's get you started

Thinking about becoming a landlord? Our Buy to Let guide can help you understand how buy-to-let mortgages work, the costs involved, and what you'll need to get started.

Okay, let's see how rental income works

Looking to make money from a Buy to Let property? Rental yield can help you understand the potential return a property could generate. Our guide explains how it works and why landlords use it when comparing properties.

Okay, let's find out how much a Buy to Let mortgage could cost per month

Explore our Buy to Let mortgage rates and see what your monthly payments could be. It can help you plan your budget and decide whether a Buy to Let property is right for you.

Great, let's get you started

If you've found somewhere you'd like to buy, getting an Agreement in Principle (AIP) is a great next step. It can help you understand whether you're likely to be accepted for a Buy to Let mortgage.

What stage are you at?

What stage are you at?

Great, let's get you started

Thinking about remortgaging your Buy to Let property? Whether you're looking for a new deal or want to learn more about your options, our guide can help you understand the process and what to consider before you apply.

Okay, let's see what rates are available

Explore our Buy to Let remortgage rates and see what your monthly payments could be. It can help you compare your options and decide what works for you.

Great, let's see if you could save

Use our calculator to compare your current Buy to Let mortgage with a new deal. It can help you see if you could save money and what your monthly payments might look like.

Great, let's get you started

If you're thinking about moving your Buy to Let mortgage to NatWest, getting an Agreement in Principle (AIP) is a great next step. It can help you understand whether you're likely to be accepted for a Buy toLet mortgage with us.

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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Your Mortgage Best Bank Award Winner 2025-2026

1 in 8 UK mortgaged home purchases were with us in 2025*

* Based on 176,039 residential mortgages (NatWest, 2026)

Family-Backed mortgages

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. And, the non-owner could be a family member or friend. Exclusions and criteria apply.

Mortgage calculators & tools

Mortgage calculators

Our mortgage calculator hub has all the tools to help you find the right mortgage. Find out what your payments might be, how they might be changing and how you can manage your money.

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Mortgage rate finder

Use our mortgage rate finder tool to view our current mortgage rates and find out what your monthly payments might be. Filter rates by buyer type, fixed or tracker rate mortgages.

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How much can I borrow?

You can find out how much we might be able to offer you with this calculator before completing an Agreement in Principle. Every lender has different requirements.

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Stay up to date with our rates

Be one of the first to know when our rates change, by signing up for our free mortgage rate alerts.

Get the rates that you're interested in, direct to your inbox, as soon as they change.

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Got a mortgage with another lender?

See your mortgage and banking in one place

View your mortgage alongside your NatWest accounts, track your home value, equity, and explore our live remortgage deals in the app.

Already have a mortgage with us?

If you need to manage your mortgage, or are looking for support, our existing customer information should help.

Alternatively, if your current rate is up for renewal or already come to an end, have a look at how we can help you choose a new rate.

1st April 2025 Stamp Duty updates

Stamp Duty thresholds have changed, and this may impact your payment when buying a home. See updated rates and examples now.

Support for mortgage customers with the rising cost of living

If you're remortgaging to help ease the rising cost of living, your current mortgage provider could provide you with additional support without impacting your credit score.

We're committed to helping our customers through this difficult time and we're pleased to be part of the Mortgage Charter support to help ease financial pressure on mortgage customers.

Learn about home-buying with our mortgage guides

Getting a mortgage can seem tricky. There are lots of different factors to consider and different types of mortgages to compare.

We’ve created some mortgage guides to help you through the process.

Mortgages FAQs

Download general information about mortgages

Please take the time to read the information below before taking out a mortgage

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} 

Relay UK: 18001 0800 096 9527

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

Buy to Let? We only provide Buy to Let mortgages online for small portfolio landlords.

  • Please use our tools and guidance designed to help you complete your mortgage application online.
  • We do not provide advice on Buy to Let mortgages but if you need technical help with your online application, get in touch so we can provide support.
  • If you are not a small portfolio landlord, or you wish to apply with a mortgage professional, NatWest Buy to Let mortgages are available via mortgage brokers.

Reviewed by: Financial Promotions Approvals team

Last updated on: 20/10/2026