About NatWest Mortgages

NatWest has a good reputation for mortgage satisfaction and scores well in terms of customer service and value for money. NatWest is a strong contender for mortgage deals, catering to first time buyers and homeowners alike. It offers a good range of fixed-rate mortgages, as well as some very competitive tracker deals.

How much can I borrow with a NatWest mortgage?

Typically, you will be able to borrow 4-4.5 times your annual salary with a NatWest mortgage. Depending on your circumstances, this could increase to 4.85 times your salary.

Are NatWest mortgages fixed or variable?

Natwest offers a wide range of mortgage deals; however, most are fixed-rate mortgages with an initial period of between 1-5 years.

Is NatWest good for remortgaging?

NatWest is a strong contender for homeowners who are looking to remortgage, with competitive rates and great customer service.

How long does NatWest mortgage offer last?

NatWest mortgage offers are typically valid for 6 months. However, in certain situations, they may choose to extend your offer.

Will NatWest extend my mortgage offer?

If you've had a mortgage offer approved with NatWest but for reasons outside of your control can't complete the purchase or remortgage, you may find that NatWest can extend your mortgage offer by 1 month so that you have extra time.

Can I port my NatWest mortgage?

Yes, you can port your existing NatWest mortgage to another property, which can help you to avoid paying early repayment charges.

Can I overpay my NatWest mortgage?

Yes, you can pay up to 10% of the remaining mortgage balance annually with a NatWest mortgage. Paying your NatWest mortgage off early will reduce the total amount of interest you have to pay. However, there are charges for paying off a mortgage before the end of its term.

Does NatWest offer equity release?

Yes, NatWest does offer equity release, which can be used as a tool to help you boost your income in retirement or pay for living expenses by releasing the value of your property.

Can I get a NatWest mortgage with bad credit?

Whether you will get approved for a NatWest mortgage with bad credit depends on the type of bad credit and how long ago the issue took place. According to NatWest, there isn't a specific credit score you need to get approved.

Can I get a joint NatWest mortgage?

Yes, you can obtain a joint mortgage with Natwest as long as you both meet the eligibility and affordability criteria.

Can I view my NatWest mortgage online?

Yes, you can manage your NatWest mortgage online, including managing payments, viewing statements and updating your information.

What is the NatWest mortgage early repayment charge?

NatWest reduced its early repayment charge (ERC) for a range of mortgages in 2021. The charges for early repayment of a 5-year fixed-rate mortgage with three years remaining reduced from 4% to 3%, reducing from 0.5% to 0.25 on their 2-year tracker mortgage. 

What is Natwest mortgage standard variable rate?

The current variable mortgage rate for Natwest Mortgages is 3.59% which is in line with the industry average.

Can you get a Natwest mortgage if you're self-employed?

Yes, as long as you meet the eligibility criteria, have been being self-employed for at least two years and can prove your income, you should be able to get a mortgage with NatWest.