You could lower your monthly payments by making your mortgage term longer, or pay less interest overall by choosing a shorter term.
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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.
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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.
Mobile App
Within the NatWest app, tap your mortgage and then tap 'Manage your Mortgage', 'Your services' then 'Extend your term'.
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Online Banking
Within NatWest Online Banking, click 'Manage your Mortgage', 'Your services' then 'Extend your term'.
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