


Head of Content

Mortgage Advisor & Director
NatWest

About NatWest Mortgages
NatWest are a well-known high street bank, and are currently the second largest mortgage lender in the UK with a market share of 41.5%.
We will compare the latest mortgage rates from NatWest for you when you make an enquiry below.
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We work with 90+ mortgage lenders from across the market, including NatWest. We can help you compare mortgage rates from different lenders and find the best deal for you.
Our brokers will review rates at 90+ lenders to find the ideal mortgage for you. We'll show you the latest deals from NatWest and others so you can make an informed decision about which option is right for you.
To get started, fill in our quick online form or call 01484 242424 to speak to our expert mortgage advisers today!

What type of mortgages do they offer?
They offer a wide range of fixed rate and tracker mortgages, with capital repayment and interest-only options available, with deposit requirements starting at 5% of the property's value.
They specialise in areas including:
What mortgage rates are currently available?
NatWest's mortgage rates are generally competitve with other high street mortgage lenders, and often lower than specialist mortgage providers'.
The exact rate you end up with will depend on the amout of deposit you have, the overall strength of your application and the type of product you choose.
We will compare the latest mortgage rates from NatWest with their competitors across the market for you when you make an enquiry below.
How much will NatWest let you borrow?
You can borrow between 4 times and 5.5 times your annual salary with NatWest. They will use a different salary multiple depending on your circumstances.
The table below shows how your maximum borrowing can vary with this lender:
Income Multiple |
When NatWest Will Use It |
5.5 times salary |
75% LTV plus income of over £75k or joint applicants earning over £100k combined |
5 times salary |
Below 75% LTV |
4.5 times salary |
70-75% LTV |
4 times salary |
Above 85% LTV or a loan amount of over £500k |
You can use our calculator below to work out how much you could borrow based on these exact income multiples:
What type of buy-to-let mortgages do NatWest offer?
NatWest offer buy-to-let mortgages with deposit requirements starting at 25% of the property's value. Rental income must be at least 125% of the monthly mortgage payments to qualify.
Other criteria includes:
- Age: Landlords must be aged over 18 and have permanent right to reside in the UK.
- Number of mortgaged properties: Must be fewer than four as portfolio mortgages are not available through this lender.
- Property and mortgage values: The minimum property value is £50,000 and landlords must be borrowing at least £25,000. Maximum aggregate borrowing with NatWest brands cannot exceed £3.5 million.
- Term lengths: Terms of between 3 and 35 years are available.
The lender’s buy-to-let range is currently dominated by two and five year fixed-rate mortgages, as well as exclusive remortgage and ‘green’ deals.
Buy-to-let mortgages for specific niche property and tenancies types, namely multiple tenancies, Homes of Multiple Occupancy (HMO), bedsits, ‘Related Person’ tenancies, properties that fall under a selective licensing scheme or properties that will be used as a holiday home or holiday let, will not be approved.
Do they offer bad credit mortgages?
Yes. NatWest can offer bad credit mortgages for borrowers with certain types of adverse, such as debt management plans (discharged), defaults, CCJs, and IVAs (discharged). They may apply conditions to the deal if your credit problems were recent, while the most severe issues such as bankruptcies will need to have been discharged for six years.
What kind of reviews does NatWest have?
NatWest currently holds a review score of 1.4/5 from customers rating all of its products and services on TrustPilot. However, they have fared better elsewhere, scoring 4.385 from mortgage customers on Smart Money People and coming joint 7th out of 22 mortgage lenders, in a survey carried out by Which?, with a customer satisfaction score of 70%.
Pros and cons
The table below offers an overview of the advantages and disadvantages of NatWest as a mortgage lender to give you an idea of whether they are the best option for you.
Advantages |
Disadvantages |
Low deposit mortgages available |
Limited options for newly self-employed borrowers |
Can offer higher salary multiples than some high street lenders |
Not all government schemes supported |
Bad credit mortgages available |
Stringent criteria for properties with some types of non-standard construction |
Options for later-life borrowers, including equity release |
Limited options for borrowers who rely on family support, such as guarantors |
How to compare NatWest mortgages
The most important thing to take on board here is that you need to compare NatWest's mortgage range with that of other lenders across the market. Limiting yourself to just one lender could mean missing out on more suitable deals elsewhere.
There are brokers on our team who have a working relationship with NatWest. They know their product range well and can compare them with every competitor across the market on your behalf to help you decide whether they are the perfect fit for you.
Here are just some of the reasons you should use us for your mortgage comparison needs:
- Our mortgage brokers are whole-of-market
- They often have access to exclusive rates and deals
- We are 5-star rated on leading review websites
- Your first consultation is FREE
Ready to see how NatWest's latest rates compare to deals from across the and speak to one of our brokers about their products? Get started here.
FAQs
NatWest mortgage offers are typically valid for six months. However, in certain situations, they may choose to extend your 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 they can extend your mortgage offer by one month so that you have extra time.