Overlay
Mortgages

Find a mortgage that's right for you

Online mortgages are provided by NatWest which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Royal Bank of Scotland may receive a fee based on a percentage of any mortgage entered into for this referral. NatWest and Royal Bank of Scotland 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.

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 get you started

If you're thinking about moving your mortgage to Royal Bank, 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? The NatWest 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. The NatWest 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 the NatWest 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, the NatWest guide can help you understand the process and what to consider before you apply.

Okay, let's see what rates are available

Explore the NatWest 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 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 to Let mortgage.

Online mortgages are provided by NatWest

NatWest and Royal Bank of Scotland are part of NatWest Group and offer the same mortgage products and rates when you speak with a mortgage professional. If you're confident to choose a mortgage product without advice, online mortgages are available to customers via the NatWest website. 

Want advice about your mortgage? You can make an appointment to speak with a Royal Bank of Scotland mortgages adviser.

Step 1: Find out what NatWest could offer you

Get an online personalised indication of how much you could borrow in less than 10 minutes.

It won't impact your credit score.

You don't need to be a NatWest customer to get an Agreement in Principle (AIP), and you're not committed to having a mortgage by getting an AIP.

Step 2: Apply for your mortgage online with NatWest

Apply online with NatWest or contact us to make an appointment to speak to a Royal Bank of Scotland mortgage adviser.

Save your application progress online and come back whenever you like.

Family-Backed mortgages

A Royal Bank 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

Mortgage calculators

Our mortgage calculator hub has all of the tools that can 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.

Information Message

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.

Information Message

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.

Information Message

Got a mortgage with another lender?

See your mortgage and banking in one place

View your mortgage alongside your Royal Bank 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 switch to a new deal.

 

 

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:

Help with common questions

Frequently asked questions about mortgage application

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 056 0567} 

Relay UK: 18001 0800 056 0567

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

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

  • Please use the NatWest 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.