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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.

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  • Remortgage your House
  • Natwest Bridging Loans
  • Fast and Easy Enquiries
  • Compare Natwest Mortgages
  • Best Rates for Remortgages
  • Compare Natwest Loans
  • Secured Loans Bad Credit

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 which 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 to make investment decisions. If you are a UK resident between 18-70 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.

Application Procedure

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 to get on the property ladder, with a small deposit of only 5%.

How Does the Scheme Work?

There are two ways you could benefit from this scheme:

  • Equity loans – 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 being paid back

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