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NatWest Mortgages

Find out about the range of mortgages offered by NatWest Group, plus how Trinity Financial can help you compare them with other lenders and make a successful application.

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Experienced mortgage advisers helping clients across the UK
Tailored advice for first-time buyers, remortgages, home movers and buy-to-let clients

Ready to explore your NatWest mortgage options?

Trinity Financial is an award-winning mortgage brokerage based in London, helping clients across the UK secure competitive mortgage deals tailored to their circumstances. Trinity works with a broad panel of lenders, including NatWest, and can compare mortgage options across the market.

About NatWest mortgages

NatWest Group is one of the UK’s best-known high street lenders and offers a wide selection of mortgage products for residential buyers, remortgage clients and landlords. NatWest provides mortgages for first-time buyers, home movers, remortgages and buy-to-let borrowers, with both fixed-rate and tracker mortgage options available.

NatWest mortgages are available across a range of loan-to-value bands, with products designed for borrowers with smaller deposits through to high-equity applicants. Mortgage terms can often extend up to 40 years, depending on your circumstances. The bank issues rates via NatWest's direct and NatWest for Intermediaries.

What types of mortgages does NatWest offer?

NatWest offers a broad range of mortgage products, including:

First-time buyer mortgages
Home mover mortgages
Remortgages
Buy-to-let mortgages
Fixed-rate mortgages
Tracker mortgages
£1 million+ mortgages

The lender also considers applications from self-employed applicants, contractors and higher-income borrowers, subject to affordability and underwriting checks.

How much can you borrow with NatWest?

The amount NatWest may lend depends on factors such as your income, deposit size, credit profile and existing financial commitments. In some cases, NatWest may lend up to around 5 to 5.5 times income for qualifying applicants, although affordability calculations vary by case.

Trinity Financial’s advisers can help assess your borrowing potential and identify whether NatWest is likely to be the most suitable lender for your circumstances.

Why use Trinity Financial for a NatWest mortgage?

Trinity Financial works with a large panel of UK lenders, including NatWest, and provides tailored mortgage advice based on your financial situation.

Their advisers can:

Compare NatWest deals with alternative lenders
Help structure your application correctly
Advise on affordability and borrowing limits
Assist self-employed and complex income applicants
Manage the mortgage process from application through to completion

Can you get a NatWest mortgage with bad credit?

NatWest may consider applicants with minor historic credit issues, depending on the severity, age and overall profile of the application. More serious adverse credit issues may require specialist lenders instead.

If you have concerns about your credit history, Trinity Financial can review alternative mortgage options available across the market.

Does NatWest offer buy-to-let mortgages?

Yes, NatWest offers buy-to-let mortgages for eligible landlords, including remortgage and purchase options. Criteria and stress testing requirements will apply, particularly for portfolio landlords and higher loan-to-value borrowing.

NatWest mortgage FAQs

How long does a NatWest mortgage application take?

Timescales vary depending on the complexity of the application, valuation requirements and underwriting checks. Many applications progress within a few weeks, although more complex cases can take longer.

Can you port a NatWest mortgage?

Many NatWest mortgage products are portable, allowing borrowers to transfer their mortgage to a new property, subject to affordability and lending criteria.

Does NatWest accept self-employed applicants?

Yes. NatWest considers self-employed applicants, typically requiring at least two years of accounts or SA302s, although criteria can vary depending on trading structure and income consistency.