What are you looking to do?
Online mortgages are provided by NatWest which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Royal Bank of Scotland may receive a fee based on a percentage of any mortgage entered into for this referral. NatWest and Royal Bank of Scotland mortgages are available to over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
The four steps to apply for a mortgage
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1
Check you have your supporting information ready
As part of the application process, we need to assess your current financial situation and will need proof of your income and personal details. Make sure you have proof of:
Income
Employment
Outgoings
Address
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2
Get an Agreement in Principle
An Agreement in Principle will give you an indication of how much you may be able to borrow based on your income, property value, deposit amount and mortgage term.
It takes around 5 to 15 minutes online
It gives you a personalised lending indication
It has no affect on your credit score
It can be useful for viewing and making an offer on a property.
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3
Pick a mortgage and get a mortgage illustration
After working out how much we could lend you, we'll give you a breakdown of your options and you can pick the mortgage that's right for you.
Your personalised mortgage illustration will outline your selected mortgage type, term, interest rates and any associated fees.
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4
Choose how you'd like to apply
If you want free mortgage advice, you can apply for a mortgage with Royal Bank either by phone or video call.
If you’d rather choose a mortgage yourself, you can apply for your mortgage online. However, you won’t benefit from the protection provided by our advised service.
Choose how you want to apply
Apply Online with NatWest
If you're confident in choosing the right mortgage without any advice, you can apply online. You need to be aware that you will be responsible for the mortgage that you choose.
Please note: If you have already started to apply online with Royal Bank, you will need to restart your mortgage journey with NatWest.
Already started your NatWest mortgage application? Pick up where you left off
Apply over the phone
Already have a Royal Bank of Scotland mortgage?
If you're already a Royal Bank of Scotland mortgage customer, you won't need to resubmit paperwork, such as evidence of income, unless your circumstances have changed.
Log in to Manage Your Mortgage, see what offers are available and apply online.
All you need are your mortgage account number, name, date of birth and your postcode.