Helping you find a mortgage

1. Residential Use Only
   If your property is close to a business or commercial unit, we may not be able to offer a mortgage.
2. Minimum Property Size
   Your property must be at least 30 square metres in size to qualify for a mortgage with us.
3. Property Concentration
   We may not be able to offer a mortgage for properties in certain developments if we’ve already lent to several customers there.
   If you’re unsure, get in touch with us before you apply so we can check for you.
4. Valuation Process
   We’ll arrange for a professional valuer to confirm your property’s value and suitability.
   • A non-refundable valuation fee will apply.
   • The fee is agreed directly with the valuer, who will explain how and when payment is made.
   • We’ll give you an estimate for guidance before the process starts.
   • We cannot accept a valuation from a valuer you have instructed yourself.

You'll need to apply to borrow more on your mortgage, here are some things to consider:

• Applications for additional borrowing must be for an acceptable purpose. The most common purposes are home improvements, a new car, a dream holiday or a wedding. We'll cover this during your mortgage appointment.
• The minimum borrowing amount on a mortgage is £25,000. A personal loan could be an option if you need less.
• The minimum borrowing term is 3 years and the maximum is 35 years. Any new mortgage borrowing will run concurrently with your existing mortgage.
• The maximum age for repayment is 65 years old. Where a mortgage extends beyond this age, you should be able to demonstrate continued ability to repay the loan by way of a pension or alternative means.

Borrowing more on your mortgage

This will depend upon a number of factors, including the type of mortgage you hold, your age and your financial circumstances.

Contact us to arrange an appointment with one of our mortgage arrangers who will offer specific information based on your needs and circumstances.

We understand that worrying about paying your mortgage can cause a great deal of stress however it’s important to talk to us. Our friendly team is on hand to help you. We’ll listen to you and walk you through the options available.

Mortgage payment breaks and additional support on NatWest International mortgages may be available if you anticipate not being able to make your payments.

More on payment breaks and support