Quick stats

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16-day submission time

That's 4 days faster than the 20 day average across the lenders we've measured.

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Borrow up to 5x your income

You could borrow up to this amount if you meet the lender's requirements.

About NatWest

Natwest is one of the UK’s largest mortgage lenders and is a part of The Royal Bank of Scotland Group. 

The group provided 11.4% of all mortgages in 2018, a total of £30.5 billion¹.

Natwest offers mortgage deals to many people but often will not lend to you if you have bad credit.

In this review we'll cover:

Compare Natwest mortgages

Compare NatWest mortgages and see how your monthly payments would change depending on the initial period, total mortgage length, your deposit and how much you want to borrow.

After you choose a NatWest mortgage deal, one of our expert mortgage brokers can check whether you're eligible and help arrange the mortgage for you.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Your loan to value is 60.00%

Is NatWest a good mortgage lender?

We're looking at public complaints data to estimate NatWest quality of service

There were 2,257 complaints from NatWest mortgage customers between July and December 2019. 

That’s around 0.13% of customers and is lower than the 1.06% average across major lenders.*

Natwest scorecard:

  • Natwest is a good mortgage lender for first time buyers 

  • Natwest does not offer shared ownership mortgages

  • Natwest offers high LTV mortgages

*The number of customers served by this lender isn’t publicly available so we’ve estimated this figure based on market share and average house price in the UK.

How long a NatWest mortgage application takes

In the last 6 months it took NatWest an average of 16 days to process mortgage applications from Trussle customers.

That’s 4 days faster than the 20 day average across all the lenders we’ve submitted applications to.

What affects the time taken to approve my application

The time it takes a lender to approve an application depends on your personal circumstances and how busy the lender is.

It can take as little as 24 hours to approve some applications but some can take weeks or even months.

The quality of the application can affect the approval time. A mortgage broker can help by making sure your application has all the details the lender needs.

These details were last updated in July 2020.

How much you can borrow from NatWest

Natwest could lend you up to 5 times your salary.

How much you can borrow will also depend on your:

  • credit history

  • debts

  • deposit

  • regular expenses and bills

  • age

See how much you might be able to borrow with our mortgage calculator.

These details were last updated in July 2020.

NatWest mortgage calculator

Calculate how much you may be able to borrow with a mortgage from Natwest. Calculate your monthly Natwest mortgage repayments.

How much can I borrow?
Mortgage repayment calculator

Your home could be repossessed if you don't keep up repayments on your mortgage.

Talk to a mortgage broker or lender to get a more accurate remortgage savings amount.

You could borrow up to

Loan to value (LTV):00%
Including your deposit, you could afford a house price up to£000,000
Other fees you may have to pay:
Broker fee(free with Trussle)
Additional fees(learn more)

Next steps

If you're ready to get a mortgage, the next step is to answer a few more questions. Then a Trussle adviser will find the best mortgage deal for you.

Your home could be repossessed if you don't keep up repayments on your mortgage.

Talk to a mortgage broker or lender to get a more accurate remortgage savings amount.

Types of mortgages Natwest offers

Natwest offers a variety of mortgages for different types of customers.

They offer:

  • Fixed rate mortgages

  • Standard variable rate

  • Tracker mortgages

  • Offset mortgages

  • Interest only mortgages

  • Buy to let mortgages

They do not offer shared ownership mortgages. Find out more about shared ownerships.

Getting a NatWest mortgage

You can get a NatWest mortgage either directly from them or from a mortgage broker.

If you’re a first time buyer, check out our guide to find out how the process works.

The first step is to get a mortgage in principle. Having one will show that you can afford to buy a property up to a certain value. 

You can get a free mortgage in principle from Trussle.

How long your mortgage offer lasts depends on your circumstances.

If you’re a first time buyer or buying a new build, NatWest will need you to complete your purchase within 6 months. 

If you’re remortgaging or moving to a home that is not a new build, the offer will be valid for 3 months. 

Your mortgage funds should be available on the completion date. Once you’ve agreed your completion date, it’s up to your solicitor to tell NatWest. 

Once they’ve done this, NatWest will arrange to release the funds on that date. This should mean there should not be any delays in moving in.

When your deal ends, you’ll need to switch over to a new mortgage. NatWest will write to you and tell you your options. 

A new fixed rate deal could be better for you than continuing on NatWest’s standard variable rate. 

NatWest mortgage payments

NatWest doesn’t have a standard first payment date.

They’ll include the key information about your first payment (including when it needs to be paid, and how much it will be) in your welcome letter. 

You can request to change your first payment date by calling the NatWest team.

If you’re on a fixed rate mortgage, you can pay off 10% of your outstanding balance in any year. This is without having to pay an extra charge. 

If you’re on a standard variable rate mortgage, you can overpay as much as you like.

You can borrow up to 90% of the value of your home with NatWest if you meet their criteria. 

You’ll need to speak to NatWest to find out about borrowing more. 

If you’re struggling to pay your mortgage you might be able to discuss a payment holiday with NatWest. This will depend on the terms and conditions of your mortgage. A NatWest adviser can talk you through the options.


You need buildings insurance for the full term of your mortgage. This covers repairs to your property’s structure and any fixtures and fittings. 

Getting life insurance or contents insurance is up to you.

Looking at pictures

Get a mortgage with Trussle today

  • Our remortgage customers save an average of £171 a month*

  • Trussle is fee-free for most customers**

  • 5-star Trustpilot rating from over 5,000 reviews

  • 12,000 mortgage deals from 90 lenders

  • Skip the paperwork: apply online any time

*The savings figure is from Trussle mortgage customers in September 2022. **You may have to pay a fee depending on your circumstances and credit history. Learn more.

Your home could be repossessed if you don't keep up repayments on your mortgage.

You may have to pay an early repayment charge to your existing lender if you remortgage.

What people are saying about Trussle...


Deal and rate data was sourced by Trussle. All other information was sourced from NatWest’s own website, unless referenced below.