Find out how to remortgage your home with us

An estate agent can give you a valuation, or you can get a rough idea of value by looking up the selling price of similar properties in your area. You can use websites such as Zoopla or Rightmove to get an idea of the value of your home.

Look at the latest mortgage statement you received from your current mortgage provider, or perhaps you can view an up to date balance online to see how much is left to pay. 

Look out for early repayment charges (ERC), You may have an ERC with your current provider. ERCs are usually calculated as a percentage of the outstanding balance. This could mean thousands of pounds. 

Also, many lenders will charge an exit fee for closing your mortgage account with them, even if you are outside an introductory deal. These tend to be between £50 and £300.

To find out what charges apply to you, check your paperwork or find out from your current mortgage provider.

 Here’s some good news: move your mortgage to us and we'll pay your valuation and legal fees. (Exclusions apply.)

To be able to complete a mortgage application with NatWest, you must answer yes to the following:

You're planning to buy or remortgage a home based in the UK

You're a UK or EU national, resident in the UK and aged 18 or over

You're paid in pounds sterling

You haven't been declared bankrupt in the past six years

You haven't had a County Court judgment against you in the past six years

You haven't had a property seized or defaulted on a mortgage

You haven't ever organised a repayment plan with creditors

Enter a few details into our mortgage rate calculator and we’ll show you all the NatWest mortgages that could be right for you, based on what you've told us.

Thinking of borrowing more? No problem, it's easy to vary the amounts in the calculator.

You’ll need to get an Agreement in Principle to see if we may be able to lend you the amount you require. This uses a soft credit check that does not affect your credit score.

It isn’t a firm decision, but it’s the most accurate result we can give you without performing a full credit check.

It takes less than 10 minutes and it doesn't affect your credit score.

Before the next step, you may want to read more about what you need to apply for a mortgage

Log in and retrieve your Agreement in Principle if you saved it. Otherwise you'll need to get a new one before you can apply for your mortgage.

You'll then see the mortgage rates available to you. Select the mortgage that you want, to see a personalised mortgage illustration and start the application form.

Learn about our mortgage types

Once you've completed the mortgage application, we'll hold your rate for 14 days whilst you upload your supporting documents such as bank statements and proof of identity. We'll confirm the documents you need to provide once you've completed the application form.

Once you've uploaded your supporting documents and completed all the tasks on your mortgage dashboard, your mortgage application will be submitted.

Remember, you only have 14 days to upload your documents on the mortgage dashboard.

If you are applying for a joint mortgage, then the 2nd applicant will recieve an email with details on the documents that they will also need to upload onto their own mortgage dashboard.

We'll then complete the normal affordability and credit checks before finalising your mortgage offer.