NatWest Mortgages
High-streetStrong all-round lender. Competitive on remortgages with free legals, and notable for accepting some specialist income types.
Where NatWest is strong
- Accepts gross day-rate annualisation for contractors via specialist channel
- Free legals on most remortgages
- Good range of 5-year fixed rates
- Buy-to-let alongside residential
Niche
Contractor cases, fee-free remortgages, BTL.
Quirks worth knowing
Slightly cautious on first-time landlord BTL — minimum income requirement.
Documents
Standard pack plus contract for contractors.
Who NatWest suits
Remortgagors, contractors, experienced BTL landlords.
How to access NatWest's rates
For current NatWest mortgage rates and an indication of whether they\'d lend to you, a mortgage adviser can pull live quotes during a 15-minute call. The headline rate you see advertised is rarely the one offered — your LTV, term, credit profile and property type all change pricing.
Most whole-of-market brokers have access to NatWest via the broker channel. Request a callback for a real adviser quote.
Compare with other UK lenders
Frequently asked questions
Can I apply to NatWest via a mortgage broker? +
Yes — most UK whole-of-market brokers have access to NatWest's broker-channel products. Some lender-direct deals may differ.
Is NatWest good for first-time buyers? +
NatWest accepts first-time buyer applications, though they're more notable for: contractor cases, fee-free remortgages, btl..
What documents does NatWest need? +
Standard pack plus contract for contractors.
Will NatWest accept my income type? +
NatWest's strengths include: Accepts gross day-rate annualisation for contractors via specialist channel. A mortgage adviser can confirm if your specific income pattern matches their criteria — request a callback below.
How long does a NatWest mortgage take? +
Most UK mortgages take 2–6 weeks from full application to offer. Product transfers with your existing lender are usually much faster — often same-day to 5 working days.