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First Time Buyer

Your first home and step on the property market

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

On this page
Features
See how much you could borrow
Find out what your monthly payments could be
Mortgage help and guides
Get in touch with our mortgage team

Why choose a mortgage with us?

Getting your first mortgage can be an exciting, yet stressful time. NatWest International can help take some of the stress out of the process with our range of mortgage tools and resources made available to you, whether you’re in the Channel Islands, Isle of Man, or Gibraltar.

Help every step of the way

Our mortgage team are here to guide you through the mortgage process and to answer your questions

Zero product fee options

We offer mortgages with and without product fees to provide you with a range of options to suit your needs

Online tools to set your budget

Our online tools are here to give an idea of how much you could borrow and what your monthly mortgage payments could be

How much could I borrow?

As a first time buyer you are probably looking to find out how much mortgage you can get from different lenders. Please use our online tools, including our mortgage calculator to:

  • Find out how much deposit you'll need
  • See what we could lend you
  • Compare our mortgages
  • See how much your monthly repayments could be

Our mortgage calculator can tell you how much you could borrow, the cost per month and lets you compare our mortgage rates.

Use our mortgage calculator

See how much your mortgage could be each month

Our rate finder will show you how much your monthly mortgage payment could be with our range of mortgages and interest rates.

Use our mortgage rate finder

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.

Our home buying 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

Common questions

Our most frequently asked questions about mortgages.
Common questions

Appointment checklist

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

Get in touch with our mortgage team

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, in the location you need it.

Continue
What can we help you with today?
Please tell us the nature of your mortgage query.
Previous
Next
Where is the property located?
Previous
Next

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Get in touch with our International Mortgage team

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

Dedicated broker line:

+44 (0) 1624 632444

Existing mortgage borrowers:

+44 (0) 1624 632323

New borrowers (Buy to Let only):

+44 (0) 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous
Where is the property located?
Previous
Next

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Get in touch with our International Mortgage team

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

Dedicated broker line:

+44 (0) 1624 632444

Existing mortgage borrowers:

+44 (0) 1624 632323

New borrowers (Buy to Let only):

+44 (0) 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous
Where is the property located?
Previous
Next

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Get in touch with our International Mortgage team

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

Dedicated broker line:

+44 (0) 1624 632444

Existing mortgage borrowers:

+44 (0) 1624 632323

New borrowers (Buy to Let only):

+44 (0) 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous
In what location are you looking at properties?
Previous
Next

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Get in touch with our International Mortgage team

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

Dedicated broker line:

+44 (0) 1624 632444

Existing mortgage borrowers:

+44 (0) 1624 632323

New borrowers (Buy to Let only):

+44 (0) 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous
Where is the property located?
Previous
Next

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01534 282262

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01481 703809

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

01624 637676

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Choose how to get in touch today:

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

00350 200 14477

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous

Get in touch with our International Mortgage team

Request a Call Back

Enter your contact details into our Call Back form and our mortgage team will give you a call back at a time that suits you.
 

Phone the mortgage team

Call us to speak to a member of our local mortgage team.

Dedicated broker line:

+44 (0) 1624 632444

Existing mortgage borrowers:

+44 (0) 1624 632323

New borrowers (Buy to Let only):

+44 (0) 1624 632345

Lines are open Monday to Friday 9am - 5pm GMT (except bank holidays).

Calls may be recorded.

Previous