Personal
Mortgages
Common Mortgage Questions

Mortgage assistance

Common questions about mortgages

To apply you must be 18+ and resident in the Channel Islands, Isle of Man or Gibraltar.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.

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Common questions Open in new window

See how much you could borrow online Open in new window

Help and guides Open in new window

Get in touch with our mortgage team Open in new window

Common questions about getting a mortgage with us

Am I eligible for a mortgage?

To apply for a mortgage with NatWest International:

you must be over 18 years old
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 service the loan by way of pension or alternative means.
the property you want to purchase must be in Jersey, Guernsey, Gibraltar or the Isle of Man
you must be resident in Jersey, Guernsey, Gibraltar or the Isle of Man.

It's unlikely that we'll be able to lend to you if you've ever been declared bankrupt, have had court judgements against you, had your property seized, defaulted on a mortgage, or had to organise a repayment plan with your creditors.

Security and buildings insurance are required when you take out a mortgage with us.

Do I need to be employed to apply for a mortgage?

You’ll need to be employed or self-employed to qualify for a mortgage. This will help to make sure you can manage your mortgage repayments in the future.

How much can I borrow and for how long?

We can help you to work out how much you can borrow by looking at your household expenditure and any additional financial commitments such as loans, overdrafts, credit and store cards, hire purchase agreements and maintenance payments.

Our mortgage calculator will give you an indication of how much you could borrow, or get in touch to arrange an appointment with a mortgage arranger.

What other costs may I have when taking out a mortgage?

It's important you add up all the costs involved in a mortgage, not just the interest rate. You may need to budget for a valuation fee, search fees, land registry fees and legal costs, as well as stamp duty on properties over a certain amount. Your mortgage arranger can give you more information on fees that you may need to pay.

We expect you to take out buildings insurance to cover damage or rebuilding costs if needed. You may also decide to take out contents insurance along with sickness cover, unemployment cover and life cover.

Can the product fee be added to my mortgage?

Yes the fee can be added to your mortgage but remember that, with the product fee added to the mortgage, you still cannot exceed the maximum loan to value and you'll pay interest on the fee. We also have a range of mortgages with no product fees.

Use our mortgage rate finder to view our range of mortgages.

Can I get a mortgage offer before I find my property?

Our Agreement in Principle letter tells you whether we could potentially lend you the amount you want to borrow.

Your Mortgage Arranger can usually provide an Agreement in Principle letter after your first appointment. We'll just need some personal information from you to help with our decision. Here's a handy list of the documents that we'll need to see.

Important information

Please note, an Agreement in Principle letter is not an offer of a loan
Requesting an Agreement in Principle does not mean that you are committing to apply for a mortgage with us
Information provided will not be used for any marketing purposes
Lending criteria, terms and conditions apply
It's unlikely that we'll be able to lend to you if you have ever been declared bankrupt, have had county court judgements against you, your property seized, defaulted on your mortgage, or had to organise a repayment plan with your creditors.

When will I know if my mortgage application has been successful?

When we’ve received all the required documentation and are happy with both the credit reference agency checks and the valuation report we'll make our decision on your application.

If your application is approved we'll then send you the mortgage offer documents to read through and sign. We'll also send a copy to your Advocate.

Read our guide to home buying for more information on the different stages of the process.

Calculate how much you could borrow online

Our simple mortgage calculator will give you an indication of what you could borrow.

Use our mortgage calculator Open in new window

Mortgage help and support

Take advantage of our mortgage resources which are here to help you better understand the process, the terms, and our available products.

First time buyer guide

A guide to help you understand the key steps to buying a home.

Guide to buying a home

Jargon buster

Key terms and phrases you might come across.

Jargon buster

Appointment checklist

Here's what you'll need to bring to your mortgage appointment.

Appointment checklist

Contact us about mortgages

There's a few ways of getting in touch with us. To start, we'll run through some quick questions to make sure that you get the help you need.

Continue

Do you have a mortgage with NatWest International?

Please choose an option below to continue

Yes, I’m already a NatWest International mortgage customer

No, I don’t have a NatWest International mortgage

How can we help you?

Please choose an option below to continue

I'm thinking about applying for a new mortgage

I’d like to borrow more on my current mortgage

I’m thinking about re-mortgaging

I'd like a mortgage statement, tax certificate or redemption quotation

I want to chat about my current mortgage

Where is the property located?

Please tell us the location where you are looking at properties.

Please choose an option below to continue

Jersey

Guernsey

Isle of Man

Gibraltar

England, Scotland or Wales

Speak to the mortgage team in Jersey

Give us a call

Please contact our mortgage team to discuss your needs.

01534 282262

From abroad: From abroad: +44 (0) 1534 282262

Relay UK: 18001 01534 282262

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Speak to the mortgage team in Guernsey

Give us a call

Please contact our mortgage team to discuss your needs.

01481 703809

From abroad: +44 (0) 1481 703809

Relay UK: 18001 01481 703809

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Speak to the mortgage team in Isle of Man

Give us a call

Please contact our mortgage team to discuss your needs.

01624 637676

From abroad: +44 (0) 1624 637676

Relay UK: 18001 01624 637676

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Speak to the mortgage team in Gibraltar

Give us a call

Please contact our mortgage team to discuss your needs.

200 14477

From abroad: 00350 200 14477

Lines are open Monday to Friday 9am - 5pm UTC. Closed on bank holidays. Calls may be recorded.

Speak to us about a UK mortgage

Give us a call

Please contact our mortgage team to discuss your needs.

01624 632400

From abroad: +44 (0) 1624 632400

Relay UK: 18001 01624 632400

Lines are open Monday to Friday 9am - 5pm UK time. Closed on bank holidays. Calls may be recorded.

Where is the property located?

Please tell us where your mortgaged property is located.

Please choose an option below to continue

Jersey

Guernsey

Isle of Man

Gibraltar

England, Scotland or Wales

Speak to the mortgage team in Jersey

Give us a call

Please contact our mortgage team to discuss your needs.

01534 282262

From abroad: From abroad: +44 (0) 1534 282262

Relay UK: 18001 01534 282262

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Speak to the mortgage team in Guernsey

Give us a call

Please contact our mortgage team to discuss your needs.

01481 703809

From abroad: +44 (0) 1481 703809

Relay UK: 18001 01481 703809

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Speak to the mortgage team in Isle of Man

Give us a call

Please contact our mortgage team to discuss your needs.

01624 637676

From abroad: +44 (0) 1624 637676

Relay UK: 18001 01624 637676

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Speak to the mortgage team in Gibraltar

Give us a call

Please contact our mortgage team to discuss your needs.

200 14477

From abroad: 00350 200 14477

Lines are open Monday to Friday 9am - 5pm UTC. Closed on bank holidays. Calls may be recorded.

Speak to us about a UK mortgage

Give us a call

Please contact our mortgage team to discuss your needs.

01624 632400

From abroad: +44 (0) 1624 632400

Relay UK: 18001 01624 632400

Lines are open Monday to Friday 9am - 5pm UK time. Closed on bank holidays. Calls may be recorded.

Where is the property located?

Please tell us where your mortgaged property is located.

Please choose an option below to continue

Jersey

Guernsey

Isle of Man

Gibraltar

England, Scotland or Wales

Speak to the mortgage team in Jersey

Give us a call

Please contact our mortgage team to discuss your needs.

01534 282262

From abroad: From abroad: +44 (0) 1534 282262

Relay UK: 18001 01534 282262

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Speak to the mortgage team in Guernsey

Give us a call

Please contact our mortgage team to discuss your needs.

01481 703809

From abroad: +44 (0) 1481 703809

Relay UK: 18001 01481 703809

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Speak to the mortgage team in Isle of Man

Give us a call

Please contact our mortgage team to discuss your needs.

01624 637676

From abroad: +44 (0) 1624 637676

Relay UK: 18001 01624 637676

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Speak to the mortgage team in Gibraltar

Give us a call

Please contact our mortgage team to discuss your needs.

200 14477

From abroad: 00350 200 14477

Lines are open Monday to Friday 9am - 5pm UTC. Closed on bank holidays. Calls may be recorded.

Speak to us about a UK mortgage

Give us a call

Please contact our mortgage team to discuss your needs.

01624 632400

From abroad: +44 (0) 1624 632400

Relay UK: 18001 01624 632400

Lines are open Monday to Friday 9am - 5pm UK time. Closed on bank holidays. Calls may be recorded.

Requesting a mortgage document or redemption quote

You can now use our simple online form to request a mortgage statement, tax certificate or redemption quotation.

Properties based in Jersey, Guernsey, Isle of Man or United Kingdom

Request a mortgage statement or tax certificate

Request a mortgage redemption quote

Properties based in Gibraltar

Request a mortgage statement or tax certificate

Request a mortgage redemption quote

Where is the property located?

Please tell us where your mortgaged property is located.

Please choose an option below to continue

Jersey

Guernsey

Isle of Man

Gibraltar

England, Scotland or Wales

Speak to the mortgage team in Jersey

Give us a call

Please contact our mortgage team to discuss your needs.

01534 282262

From abroad: From abroad: +44 (0) 1534 282262

Relay UK: 18001 01534 282262

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Speak to the mortgage team in Guernsey

Give us a call

Please contact our mortgage team to discuss your needs.

01481 703809

From abroad: +44 (0) 1481 703809

Relay UK: 18001 01481 703809

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Speak to the mortgage team in Isle of Man

Give us a call

Please contact our mortgage team to discuss your needs.

01624 637676

From abroad: +44 (0) 1624 637676

Relay UK: 18001 01624 637676

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Speak to the mortgage team in Gibraltar

Give us a call

Please contact our mortgage team to discuss your needs.

200 14477

From abroad: 00350 200 14477

Lines are open Monday to Friday 9am - 5pm UTC. Closed on bank holidays. Calls may be recorded.

Speak to us about a UK mortgage

Give us a call

Please contact our mortgage team to discuss your needs.

01624 632400

From abroad: +44 (0) 1624 632400

Relay UK: 18001 01624 632400

Lines are open Monday to Friday 9am - 5pm UK time. Closed on bank holidays. Calls may be recorded.

What can we help you with today?

Please tell us the nature of your mortgage query.

Please choose an option below to continue

I'm interested in applying for a new mortgage

I want to find out how much I could borrow

Where is the property located?

Please tell us the location where you are looking at properties.

Please choose an option below to continue

Jersey

Guernsey

Isle of Man

Gibraltar

England, Scotland or Wales

Speak to the mortgage team in Jersey

Give us a call

Please contact our mortgage team to discuss your needs.

01534 282262

From abroad: From abroad: +44 (0) 1534 282262

Relay UK: 18001 01534 282262

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Speak to the mortgage team in Guernsey

Give us a call

Please contact our mortgage team to discuss your needs.

01481 703809

From abroad: +44 (0) 1481 703809

Relay UK: 18001 01481 703809

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Speak to the mortgage team in Isle of Man

Give us a call

Please contact our mortgage team to discuss your needs.

01624 637676

From abroad: +44 (0) 1624 637676

Relay UK: 18001 01624 637676

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Speak to the mortgage team in Gibraltar

Give us a call

Please contact our mortgage team to discuss your needs.

200 14477

From abroad: 00350 200 14477

Lines are open Monday to Friday 9am - 5pm UTC. Closed on bank holidays. Calls may be recorded.

Speak to us about a UK mortgage

Give us a call

Please contact our mortgage team to discuss your needs.

01624 632400

From abroad: +44 (0) 1624 632400

Relay UK: 18001 01624 632400

Lines are open Monday to Friday 9am - 5pm UK time. Closed on bank holidays. Calls may be recorded.

Where is the property located?

Please tell us the location where you are looking at properties.

Please choose an option below to continue

Jersey

Guernsey

Isle of Man

Gibraltar

England, Scotland or Wales

Use our mortgage calculator or speak to us

Our mortgage calculator

Use our mortgage calculator to see how much you could borrow, review our mortgage rates and get an idea of what your monthly payments could be.

Use our mortgage calculator

Give us a call

Please contact our mortgage team to discuss your needs.

01534 282262

From abroad: From abroad: +44 (0) 1534 282262

Relay UK: 18001 01534 282262

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Use our mortgage calculator or speak to us

Our mortgage calculator

Use our mortgage calculator to see how much you could borrow, review our mortgage rates and get an idea of what your monthly payments could be.

Use our mortgage calculator

Give us a call

Please contact our mortgage team to discuss your needs.

01481 703809

From abroad: +44 (0) 1481 703809

Relay UK: 18001 01481 703809

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Use our mortgage calculator or speak to us

Our mortgage calculator

Use our mortgage calculator to see how much you could borrow, review our mortgage rates and get an idea of what your monthly payments could be.

Use our mortgage calculator

Give us a call

Please contact our mortgage team to discuss your needs.

01624 637676

From abroad: +44 (0) 1624 637676

Relay UK: 18001 01624 637676

Lines are open Monday to Friday 9am - 5pm. Closed on bank holidays. Calls may be recorded.

Use our mortgage calculator or speak to us

Our mortgage calculator

Use our mortgage calculator to see how much you could borrow, review our mortgage rates and get an idea of what your monthly payments could be.

Use our mortgage calculator

Give us a call

Please contact our mortgage team to discuss your needs.

200 14477

From abroad: 00350 200 14477

Lines are open Monday to Friday 9am - 5pm UTC. Closed on bank holidays. Calls may be recorded.

Speak to us about a UK mortgage

Give us a call

Please contact our mortgage team to discuss your needs.

01624 632400

From abroad: +44 (0) 1624 632400

Relay UK: 18001 01624 632400

Lines are open Monday to Friday 9am - 5pm UK time. Closed on bank holidays. Calls may be recorded.