Moving home

Applying for a mortgage when moving home

Your steps to moving home with us

  1. 1

    Find out how much your property is worth

    An estate agent can give you an evaluation, or you can get a rough idea of value by looking up the selling price of similar properties in your area. Then you can use our calculators to see how much we might be able to lend you.


  2. 2

    Check how much is left to pay on your mortgage

    Look at the latest mortgage statement you received from your current mortgage provider to see how much is left to pay. Here’s some good news: move your mortgage to us and we'll pay your valuation and legal fees. (Exclusions apply.)


  3. 3

    See if there are any outstanding charges 

    Your current provider might ask for an Early Repayment Charge (ERC). Check your paperwork to see if it applies.

    Also, many lenders will charge an exit fee for closing your mortgage account with them, even if you are outside an introductory deal. These tend to be between £50 and £300.

    If you haven't yet thought about how you will pay off your current mortgage early, read our mortgage repayment guide.


  4. 4

    Compare our mortgage rates

    Enter a few details into our mortgage rate calculator and we’ll show you all the RBS mortgages that could be right for you, based on what you've told us.

    Thinking of borrowing more? No problem, it's easy to vary the amounts in the calculator.


  5. 5

    Get an indicative decision 

    You'll need to get an Agreement in Principle to find out if you can borrow the amount that you require. This isn't a firm decision, but it's the most accurate result that you can get without performing a full credit check. It won't take long and won't affect your credit score.


Before you apply

What you need

It will help if you have the following documents handy

Three months' worth of payslips and bank statements to work out your income, plus any loan or credit card statements to help work out your monthly expenses.


What you need to know

We don’t currently offer mortgages for multi-party (three or more applicants), guarantor, Help to Buy, Right to Buy, or shared equity mortgages. All of our mortgages for home movers are on a capital and interest basis only.

Credit checks

About soft and full credit checks

When you apply for an Agreement in Principle, we'll need to do a “soft credit check”. But don’t worry, this won’t affect your credit score. If you go on to apply for a remortgage, we'll do a full credit check, which will show up on your credit file.

Choose how you want to apply

Apply Online with NatWest

If you're confident in choosing the right mortgage without any advice, you can apply online. You need to be aware that you will be responsible for the mortgage that you choose.

Please note: If you have already started to apply online with Royal Bank, you will need to restart your mortgage journey with NatWest.

Already started your NatWest mortgage application? Pick up where you left off

Apply over the phone

Already have a Royal Bank of Scotland mortgage?

If you're already a Royal Bank of Scotland 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.