To apply, you must be aged 18 or over and reside 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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What is a first-time buyer mortgage?
If you’ve never owned a home before and plan to live in the property you’re buying, you’re considered a first-time buyer.
To get a mortgage, you’ll need to pay a deposit. With NatWest International, this is at least 10% of the property’s price. For example, if the home costs £200,000, a 10% deposit would be £20,000.
The bigger your deposit, the more mortgage choices you’ll have and the better the interest rates you’re likely to get.
Helping you to buy your first home
We are here to help you take your first steps on the property ladder.
How much could I borrow?
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.
It only takes about 5 minutes to complete and get a rough idea of how much you could borrow.
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For properties in the Channel Islands, Isle of Man or Gibraltar
Get a little help from a family member or friend
A Family-Backed Mortgage lets you apply for a mortgage with another person to help boost your borrowing power meaning you could get onto the property ladder sooner. Whilst you both will be legally responsible for the mortgage repayments, you remain the sole owner of the property.
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Exclusions and criteria apply. Non-owner must take independent legal advice, and the owner must earn a minimum of £20,000 income per annum before tax.
