How many times my salary can I borrow NatWest?

5 times
How much you can borrow from NatWest. Natwest could lend you up to 5 times your salary.

Can I use NatWest app for my mortgage?

You can also use online banking or our mobile app. Please note that in order to be eliglible to use our online banking service you must have a valid bank account with us. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

How strict are Natwest Mortgages?

Are Natwest strict with mortgages? They are stricter than some mortgage lenders where bad credit history is concerned and don’t usually offer mortgages to customers with issues like debt management plans and mortgage arrears, as well as unsettled payday loan debt.

How long does it take Natwest to approve a mortgage?

As mentioned previously, a Natwest mortgage application can take about 3 weeks on average to process and be approved.

Can I borrow 5 times my salary UK?

Yes. While it’s true that most mortgage lenders cap the amount you can borrow based on 4.5 times your income, there are a smaller number of mortgage providers out there who are willing to stretch to five times your salary. These lenders aren’t always easy to find, so it’s recommended that you use a mortgage broker.

Can I get a NatWest mortgage statement online?

To order a statement for your mortgage account please contact our Mortgage Team via online chat on our Manage Your Mortgage (opens in a new window) page, who will be happy to help you.

How much can I pay off my NatWest mortgage?

If you are on a fixed or tracker rate product, you can pay up to 10% of your outstanding balance each year without incurring an Early Repayment Charge. If you wish to repay more than this, a charge will be incurred.

Is a mortgage based on gross or net income?

Mortgage lenders will analyze your income and debts — along with other factors — when deciding whether to approve your application for a mortgage loan. And when lenders study your income, they’re studying your gross income, not your net.