NatWest mortgages are available to over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
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Mortgages
A step-by-step guide to applying for a mortgage
Choose how you want to apply
Apply Online
If you are confident in choosing the right mortgage without any advice from us, you can apply online.
You need to be aware that you will be responsible for the mortgage that you choose.
Already Started? Pick up where you left off
Apply over the phone
Need advice to select the right mortgage product for your circumstances?
Make an appointment to speak to one of our mortgage professionals, on a phone or video call.
Call us now on 0800 096 9527
Opening hours: Mon-Fri 8am-6pm, Sat 9am-4pm, Sun Closed. Excluding public holidays.
Relay UK: 18001 0800 096 9527
Steps to apply for a NatWest mortgage
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01
Check you have your supporting information ready
To get a mortgage approval, we will need to assess your mortgage eligibility. To do this, you will need to provide us with:
- Income
- Employment
- Outgoings
- Address
Online mortgage application checklist
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02
Get an Agreement in Principle.
What is an Agreement in Principle? It will tell you how much we could lend you based on your income, property value, deposit amount and mortgage term.
- It takes less than 10 minutes online
- It gives you a personalised lending indication
- It has no affect on your credit score
- It can be useful for viewing and making an offer on a property.
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03
Pick a mortgage and apply
After working out how much we could lend you, we'll give you a breakdown of your options. You can then pick the one that best fits your mortgage requirements.
You will then get a personalised mortgage illustration. It will show you the selected mortgage type, term, interest rates and any fees.
Already have a NatWest mortgage?
If you're already a NatWest mortgage customer, you won't need to resubmit paperwork, such as evidence of income, unless your circumstances have changed.
Log in to Manage Your Mortgage, see what offers are available and apply online.
All you need are your mortgage account number, name, date of birth and your postcode.