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Mortgage Brokers

Customer application

Completing the application

To apply for a mortgage please complete and return a mortgage application form to us.

Mortgage Application form (Buy to Let)

Mortgage Application form (Buy to Live)

To avoid delay please return each application with a Broker application checklist which covers our packaging requirements.

Broker application checklist

Documents required to confirm your customer's identity

We need to verify all parties to the application and all documents must be certified in accordance with the guidance notes. (See Confirmation of Identity Form below). We require one document that confirms their identity and one document that confirms their address.

Confirming your customer's identity

  • We require a certified copy of a full valid passport, which should be signed, have a clear photograph and be in date.
  • If the passport signature is on a different page to the photograph we will need a copy of both. Both pages must be certified.

 

Confirming your customer's address

We can accept any of the following original or certified documents which must include your customer's full name or initials and surname and also be less than six months old.

  • Utility bill (electricity, water, gas, landline telephone)
  • Bank, Building Society, Credit Card or Mortgage statement or bank correspondance. A bank correspondance must be personal/direct to the customer – we would not accept a generic mail shot.
  • Confirmation of address must relate to the customers residential address. If the confirmation shows a PO Box address, please ensure it also evidences the residential service address being provided.

To help us process your customer's mortgage application as quickly as possible, they should also complete and return a Confirmation of Identity Form.

If your customer cannot supply the detailed documents requested or you are unsure of our requirements then please call us.

Handy hints on verifying your customer's identity

We recognise given the international nature of our customers that various types of documents can be supplied. We have chosen the documents that in our experience are the most readily available and verified.

The key differences that you need to know are:

  • The Certifier must have met your customer in person with their original documents 
  • We can accept employers letters when the customer lives in a country without a defined postal system i.e. the UAE
  • We need a Tax Identification Number. For customers that don’t pay tax we require their residency number or equivalent – please contact us for more details
  • We will contact the certifier of any documents that are certified and the author of an employment letter if used so please ensure they are readily contactable

The following documents are NOT acceptable:

  • Mobile and Broadband bills
  • Tenancy Agreements

If you are unsure of our requirements then please review the guidance in our Confirmation of Identity Form or call us.

To include income for your customer it must be evidenced

Please contact us if you wish us to include benefits/allowances when considering affordability or if you are uncertain of our requirements. In order to assess affordability we must be able to establish income net of any taxes and any other deductions at source payable by the customer.

Acceptable income guidance

Types of regular income

Allowances & bonuses

Talk to us

We've outlined the customer eligibility and residential requirements for the service below, along with our terms and conditions to make sure it's the right service for your customer.

Customer eligibility requirements

Our Mortgage Broker service is subject to customer application, status and acceptance by NatWest International. 

To apply your customer must;

  • be aged 18+,
  • be resident in one of our listed countries and
  • the property or home must meet our minimum property value and loan values, as outlined below

New customers

  • The minimum loan value that we offer is £100,000 subject to a minimum property value of £150,000 at purchase

Existing customer

  • The minimum loan value that we offer is £50,000 subject to a minimum property value of £150,000 at purchase

Buy To Let

  • Please note that our loan size ranges from £100,000 to £3.5 million
  • The maximum number of buy to let properties we can lend on is up to 10, including the property the customer currently wishes to buy

Residential requirements

Customers must be resident in one of the following countries:

Bahrain

Bermuda

Canada

China*

Denmark

France

Germany

Hong Kong

India**

Kuwait

New Zealand

Norway

Oman

Qatar

Singapore***

Sweden

Switzerland

United Arab Emirates

United Kingdom

United States of America

Things to note:

  • Please note that some of our mortgage products are available on a limited basis only due to local regulatory and legal requirements.
  • This country list is subject to change. Contact us to find out more.

* China - Expats living in China only

** India - Expats living in India only

*** Singapore - detailed information can be found here.

How your customer's information might be used

It's important for you and your customer to understand how we use and share their information. Please read this short summary before you continue with the application.

Need to ask a question?

Phone our Broker Team

Telephone: 01624 632444

Our lines are open Monday to Friday 9am – 5pm, excluding bank holidays.

Calls may be recorded.

Email us

If you have not spoken with us before then please email our dedicated broker team.

Mortgage Brokers who have been accepted onto our Broker Panel should contact their Mortgage Specialist on their direct email address.