NatWest Mortgage Comparison Calculator

Compare the best mortgage deals to NatWest using our comparison calculator below. Best rates for mortgage finance products.

National Westminster Bank, normally referred to as NatWest, is a member of the Royal Bank of Scotland Group. Credited with introducing innovations like telephone banking to the industry in the 1980s, NatWest currently employs around 33,000 people and operates hundreds of branches across the United Kingdom.

Mortgages from NatWest

Regardless of whether you are an experienced investor or a first-time buyer, a mortgage calculator will give you a clear indication of the cost of borrowing when purchasing a new home or buy-to-let property. Online mortgage calculators are

Natwest commercial mortgages

A commercial mortgage is used to purchase a business or to purchase business premises. Commercial mortgage lenders usually need a down payment of 25% to 40% of the total value, and mortgage terms can run for one year, up to forty years. Applying for a commercial mortgage is based on your company’s ability to make the repayments.

You will find that commercial mortgage lenders will usually examine your company before they quote you an interest rate. Typically, they look at past performance, the current position, and long-term future strategies. The rate of interest you are given might be based on these variables and might be greater if the underwriter recognises higher risk in the proposal.

You might need to offer a comprehensive business plan that demonstrates that you can make monthly repayments, and a professional appraisal will usually be required.

Buy-to-let mortgages from Natwest

Knowing if you are eligible for a buy-to-let mortgage from NatWest will help you make investment decisions. If you are a UK resident between 18 and 70 years old, have an income of more than £25,000, and have a large enough deposit, then you may be considered. You can’t own more than nine buy-to-let properties, and there are limits on how much money you can borrow. Finally, you must borrow a minimum of £25,000 over three years, and the property has to be worth more than £50,000 and be habitable.

NatWest makes it easy to apply for a buy-to-let mortgage either by making an appointment to come into the office or completing the application online. If you opt to apply online, then you will not be able to ask a staff member specific questions about your application; if you want additional help, then you need to come in. While mortgage lenders will not recommend a specific type of mortgage for you, they will be able to provide you with the information that you need to make a good decision based on your answers to questions. This leaves the final decision up to the borrower.

Help-to-buy loans from NatWest

Help to Buy is a scheme funded by the government that can help first-time buyers get on the property ladder with a small deposit of only 5%.

There are two ways you could benefit from this scheme:

  • Equity loans are where the government lends first-time buyers and existing homeowners money to purchase a new-build property.
  • Mortgage guarantee: where the government guarantees your mortgage provider that it will cover part of any losses they may sustain if the mortgage isn’t paid back.

To learn more about your options and for the best deal, contact Donkey Finance today.

Let our AI software compare rates for mortgage products against high-street banks and other institutions:

Main Stream Banks
Barclays Halifax
HSBC Lloyds Bank
Martin Lewis Nationwide
NatWest Post Office
RBS Santander
Shawbrook Bank Skipton Building Society
Tesco Together Money
UK Bridging Loans Yorkshire Bank