We say 'yes' to 9 out of 10
Based on an average of accepted mortgage
applications over a 12 month rolling period
Your home or property may be repossessed if you do not
keep up repayments on your mortgage
This will depend on your own personal circumstances. We'll look at your income and outgoings and give you an idea of how much we could lend to you.
Don't know where to start? Confused by all the terminology? Get the information you need here.
View our common questions to see how we can help you through the mortgage process.
Lines open: Mon to Fri 9.00am-5.00pm (excluding public holidays). Calls may be recorded
Imagine having your very own personal 24/7 concierge service helping you make the most of your valuable free time. Our lifestyle concierge service makes life better for our members, no matter where they are in the world. They organise anything when you lack the time, expertise or contacts to plan yourselves. It sounds too good to be true but that's just what you get with the comprehensive range of Gold lifestyle benefits.
NatWest has teamed up with Ten, one of Europe's leading lifestyle management companies to bring Gold customers 24 hour lifestyle management plus some fantastic local offers. Need tickets to that must-see show, sporting event or concert in the UK or abroad simply call Ten. With superb buying power Ten can secure 'hard to get' or 'sold out' tickets often at market value or better, reducing the risk of buying from unreliable sources or the internet.
Restaurant bookings, theatre tickets, flights, holidays, car hire - everything you want is just one simple phone call away.
| Membership services |
For an request
|02392 676060||+44 2392 676060|
All these benefits are available from your dedicated lifestyle benefits website, www.lifestyle-benefits.com.
The Gold Account comes with a range of insurance services which have been designed to work in line with our busy lifestyles and to help you save money. The extensive built in benefits provide peace of mind for all Gold customers.
The family travel insurance offers comprehensive cover for you and your family when travelling and includes winter sports cover, personal baggage, personal money, cancellation, delays, medical emergencies, accidents, hospital benefits and legal expenses. Please see the Insurance Guide for full details.
The loss and damage waiver cover on car rentals covers all countries and includes loss damage waiver, collision damage waiver, restitution of holiday, drop off charges, lock-out, supplemental liability insurance, baggage and personal effects and personal accident cover. Please see the Insurance Guide for full details.
Purchase protection insurance provides you with cover against loss, theft or damage on items up to a value of £2,000 within 90 days of purchase if you have used a card linked to your Gold account. Conditions apply.
|Medical emergency||020 8763 3040||+44 208 763 3040|
| Membership services |
To notify us of a claim in the first instance or for pre-travel enquires. Please ask for the relevant service.
|02392 676060||+44 2392 676060|
You will be asked for your membership number which is your Gold account sort code and account number.Insurance Policy Guide (PDF)
We do not wish you to discover after an incident has occured that you are not insured so please read the Insurance Guide booklet carefully before you travel to ensure you understand the Terms and Conditions, keep it in a safe place and carry it with you when you go on your trips.
Throughout this page, you'll see various terms being used. Here's what they mean:
Annual Equivalent Rate (AER) - This is a notional rate used for interest bearing accounts, which illustrates what the gross credit interest rate (excluding any bonus interest payable) would be if paid and compounded on an annual basis. It helps you to compare the effective rates of credit interest on different accounts.
Effective Annual Rate of Interest (EAR) - This is the real annual cost of an overdraft, stated as an annual rate, which takes into account how often interest is charged to the account. All other charges, such as arrangement fees, must be shown separately from the EAR.
Gross Rate - This means the interest rate you are paid before the deduction of income tax.
Nominal Rate - The rate charged excluding compounding of interest and other charges associated with a borrowing, e.g. arrangement and security fees.
p.a. - per annum (per year).
Once you've registered for ibanking, we'll send you an activation code by post - it usually arrives within seven days. When you have the activation code, you're ready to start using the service.
Once your ibanking service has been activated, logging in is easy:
Call our ibanking helpdesk on +44 (0)1534 282880 to unlock your Smart Card Reader. Calls may be recorded. You will be asked to select a 4-digit personal identification number (PIN) for your smart card. Please don't use the same PIN as you use for your ibanking login.
The Current Account Switch Guarantee ensures your current account will switch on a day of your choice, your payments will be automatically transferred and redirected to your new account, and in the unlikely event anything goes wrong with your switch we will refund any interest and charges (incurred on your old or new current accounts) as a result of this failure as soon as it is brought to our attention.
We have designed the Current Account Switch Service to let you switch your current account from one bank or building society to another in a simple, reliable and hassle-free way. It will only take seven working days. As your new current-account provider we offer the following guarantee.
For more information go to www.simplerworld.co.uk
The aim of the Scheme is to enable Jersey resident students who enter higher education in the UK to be able to make a contribution towards their University top up fees, in the form of a Student Loan. The Scheme was established through the Jersey Bankers Association (JBA) and loans to students who meet their qualifying criteria are 100% guaranteed by the States of Jersey.
* 2010 & 2011 rates were Base +2% and from 2012 onwards Base +3%. A small number of loans opened before June 2010 are charged at Base rate + 1%. Further information is available from the States of Jersey website http://www.gov.je/