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Compare NatWest Mortgages

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Compare NatWest mortgages

NatWest offer a range of different mortgage products aimed at various types of borrowers.

The following is a breakdown of some of their most popular types of mortgages.

First Time Buyer mortgages

First time buyers can get mortgages of up to 95% of a property’s value with NatWest to make it easier for them to raise a sufficient funds for a deposit. This allows first time buyers to get a foot on the property ladder when otherwise they would not be able to afford to.

Buy to Let mortgages

If you are thinking about buying a property to rent out, NatWest will lend you up to 75% of the property’s value (or 65% for new builds).

To qualify you must be borrowing at least £25,000 and be a UK resident aged between 18 and 70. You must also currently own no more than nine buy to let properties and your total borrowing cannot be more than £3.5million.

Remortgaging with NatWest

Switching your mortgage to NatWest may allow you to reduce you monthly repayments if you are able to get a better deal than with your current mortgage.

It can also allow you to borrow more, meaning that once your old mortgage is paid off, you will be left with a spare lump sum for home improvements or any other purposes.

Second charge mortgages

If you want to borrow £10,000 or more you could take out a separate secured loan with NatWest, often known as a second charge mortgage.

This can be repaid over 3-35 years although the maximum age for this type of loan is 70 with NatWest.

Loan to value ratio

When looking at different kinds of mortgages you will likely see that most providers specify the upper limit for how much you will be able to borrow as a maximum loan to value (LTV) ratio.

This is a way of expressing how much the loan is as a percentage of a property’s market value.

For example, apply for a £50,000 mortgage on a £100,000 property and you will have an LTV of 50%.

Ask for £75,000 and your LTV would be 75% and so on.

Normally the lower your LTV, the better interest rates you will be offered, although many other issues can affect this.

Find the best deals on mortgage rates

With so many different mortgage providers and products on the market, choosing the one which offers the best value for you can be challenging.

Our mortgage calculator makes the process much simpler by showing you various deals from across the market all in one place so you can see which is the best fit for you.

To use the mortgage calculator, just head to the top of the page and plug in some basic information, including how much you need to borrow and how long for.

The calculator will then show you the best deals we have found from across the industry that match your borrowing requirements.

How do I get a NatWest Mortgage?

Use our enquiry form to find out the best NatWest mortgages available to you.

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