NatWest
BankNatWest is a major UK high street bank offering an extensive mortgage range including residential, buy-to-let, commercial, shared ownership, and government-backed products. Known for strong intermediary relationships, NatWest is a frequent choice for both direct applicants and broker-sourced deals.
Visit Website
Lending Focus
NatWest offers mortgage products across 5 categories including Residential, Buy-to-Let, Commercial and 2 more.
Key Features
- Shared ownership and Help to Buy mortgage products
- Green mortgage offering cashback for energy-efficient homes
- Dedicated large-loan team for borrowing above standard limits
- Family Deposit Mortgage allowing family members to use savings as security
- Flexible overpayment options and payment holidays on selected products
Pros & Cons
Pros
- Supports shared ownership and Help to Buy government schemes
- Broad product range including residential, buy-to-let, and commercial
- Green mortgage incentives with cashback for energy-efficient homes
- Strong broker channel with fast turnaround times
Cons
- –No expat or foreign national mortgage products
- –Rates can be slightly higher than building society competitors
- –Limited flexibility on non-standard construction types
Fees & Charges
Arrangement Fee
£999 or fee-free options available
Valuation Fee
Free standard valuation on most products
Early Repayment Charge
1–5% during the initial fixed or tracker period
Overpayment Allowance
Up to 10% per year without charge
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for NatWest. In the meantime, visit their website for the latest rates.
View rates on NatWestApplication Process
Processing Time
2–4 weeks from application to offer
Online DIP
Yes — available online
Offer Valid For
6 months
Lending Criteria
Maximum LTV
95%
Max Loan Amount
£5m
Min Loan Amount
£25k
Rate Types
fixed, tracker, offset
Frequently Asked Questions
Does NatWest offer shared ownership mortgages?
What is the NatWest Family Deposit Mortgage?
Can I get a NatWest mortgage if I am self-employed?
What is the maximum mortgage term with NatWest?
How to Apply
Direct & Broker Access
You can apply directly with NatWest or through a mortgage broker. Using a broker gives you access to the whole market and may secure better terms. Find a broker
Contact Information
Need a NatWest Broker?
Find FCA-regulated mortgage brokers who have NatWest on their lender panel.
Find a BrokerRegulatory Status
Related Articles
Expert insights and guides for residential mortgages
UK Property Market Analysis: House Prices Dip in September yet Show 1.3% Annual Growth
Despite a slight dip in UK house prices in September, the market shows a 1.3% increase over the past year. This growth suggests resilience amidst economic uncertainties, with implications for buyers and homeowners alike. A deeper understanding of these trends can help stakeholders make informed property finance decisions.
UK Government’s Plan to Revolutionise Homebuying: A Market Analysis
Unravelling the implications of UK Government s proposed changes to homebuying, their impact on mortgage landscape, and potential ripple effects across marke
LIBF & Mortgage Mum’s Scholarship: A Game-Changer in UK’s Mortgage …
Explore how the LIBF and Mortgage Mum scholarship could shape the future of the UK mortgage industry. Understand the implications of this significant develop
Barclays Hikes Residential Rates, NatWest Pulls BTL Products: UK Mo…
Unpack the latest UK mortgage market changes as Barclays ups residential rates and NatWest withdraws BTL products. Understand the broader implications for th
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.