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Amending the term of your mortgage

You could lower your monthly payments by making your mortgage term longer, or pay less interest overall by choosing a shorter term.

Your home or property may be repossessed if you do not keep up repayments on your mortgage

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Changing your term Open in new window
How to apply Open in new window
Common questions Open in new window
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Manage your Mortgage Open in new window

Want to change the term of your mortgage?

For residential mortgages, you apply to increase your mortgage term via the app or through online banking.

However, if you:

  • Have a buy to let mortgage
  • Any part of your mortgage is interest only
  • Want to reduce your mortgage term
  • Would like advice on changing your term

You'll need to call us to book an appointment with our mortgage team to complete the application.

Information Message

The longer your mortgage term the more interest you will pay over the life of the mortgage. If you’re worried about keeping up with your payments, please contact us so we can help. You can also visit our Mortgage Support hub for more information.

Extending your mortgage term

Pay less each month, but pay back more overall.

If you’d like to lower your monthly payments, you can apply to extend your mortgage term, up to your 75th birthday. You can do this quickly and easily online through Manage your Mortgage.

Apply online
Reducing your mortgage term

Pay more each month, but pay back less overall.

If you shorten your mortgage term, you’ll pay less interest over the life of your mortgage. Your monthly payments will go up, so we’ll need to check your income and spending to make sure the new amount is affordable for you.

Call us to book an appointment.

How to apply to increase your mortgage term online

You can increase your mortgage term online by logging in to Manage your mortgage.

Mobile App

Within the NatWest app, tap your mortgage and then tap 'Manage your Mortgage', 'Your services' then 'Extend your term'. 

Information Message

Log in to Manage your Mortgage Open in new window

Online Banking

Within NatWest Online Banking, click 'Manage your Mortgage', 'Your services' then 'Extend your term'.

Information Message

Log in to Manage your Mortgage Open in new window

Common questions about term changes

Need some help? Speak to our mortgage team

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 0345 302 0190

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

Relay UK: 18001 0800 096 9527

Written by: Mortgages Team

Reviewed by: Financial Promotions Approvals team

Last updated on: 23/04/2026