NatWest Mortgage

NatWest provides fixed and tracker rate mortgages from £25,000 to £2 million with terms up to 40 years. Their Family-Backed mortgage allows a second person to support the application without being on the property deeds.

Last checked on September 4, 2026. We may earn a commission when you click through.

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✓ Family-Backed mortgage for boosted borrowing power ✓ Agreement in Principle in under 10 minutes with no credit score impact ✓ Competitive rates across LTV bands
Mortgage NatWest Reviewed

NatWest Mortgage

Updated 1 month ago

APR Range

4.34–6.59%

Amount

£25k–£2M

Term

60–480 months

Type

mortgage

Check eligibility →

You'll be redirected to natwest.com

Our Verdict

A solid high street option with standout Family-Backed mortgages that genuinely help first-time buyers get on the ladder. Rates are competitive across LTV bands and the online Agreement in Principle takes under 10 minutes.

Best For

First-time buyers who need family support to get on the property ladder, or home movers wanting a reliable high street lender.

Pros

  • Family-Backed mortgage for boosted borrowing power
  • Agreement in Principle in under 10 minutes with no credit score impact
  • Competitive rates across LTV bands
  • Free mortgage rate alerts by email
  • Overpayments up to 10% annually

Cons

  • Maximum borrowing capped at £2 million vs some competitors offering more
  • Product fees of £995 on some deals
  • Holiday home mortgage criteria can be restrictive
  • Online-only application may not suit everyone

About This Loan

NatWest provides fixed and tracker rate mortgages from £25,000 to £2 million with terms up to 40 years. Their Family-Backed mortgage allows a second person to support the application without being on the property deeds.

Requirements

  • 18+
  • UK resident
  • Proof of income
  • Minimum deposit 5%
  • Credit check
  • Agreement in Principle required

Check if you qualify

Check eligibility →

You'll be redirected to natwest.com

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