Get Expert Support for NatWest Mortgages
Specialist Support for NatWest Mortgages
NatWest is a leading UK bank offering a wide range of residential and buy-to-let mortgages. They provide competitive rates, flexible lending, and tailored options for self-employed, contractors, and those with complex income. At Mortgage‑Tek, we connect you to NatWest’s best deals and guide you through the mortgage process, making it simple and stress-free.
We work with more than 120 mortgage lenders, including
Why
Why NatWest Mortgage Is a Great Option
Why NatWest Mortgage Could Be the Right Fit for You
 NatWest mortgages are suitable for borrowers who may not meet standard lending criteria. Self-employed individuals, contractors, and freelancers benefit from NatWest’s flexible underwriting process, where real underwriters assess your application.
They offer competitive rates on a wide range of mortgage types, including residential, buy-to-let, and remortgages. As NatWest works closely with brokers, Mortgage‑Tek ensures you access the right deal with expert support throughout.
Criteria of NatWest Mortgage
Who Can Apply for a NatWest Mortgage?
Age Criteria
 Applicants must be at least 18, with maximum age at mortgage term end typically between 70–75 years.
Residency Status
UK residency with verifiable address history is required to meet NatWest’s underwriting and compliance standards.
Residential Income
No strict minimum income; affordability checks confirm applicants can reliably meet monthly mortgage repayment obligations.
Buy-to-Let Income
Minimum income usually around £25,000; rental income must satisfy NatWest’s ICR, typically 125–145% of mortgage interest.
Self-Employment History
Self-employed applicants need at least 12 months trading history with supporting SA302s, tax returns, or financial accounts.
Contractor Requirements
Contractors must provide a current contract and evidence of day-rate income or track record; zero-hour contracts may be considered.
Credit Profile
Clean credit history preferred; minor issues may be accepted case by case; serious adverse credit affects eligibility.
Property Standards
Properties must meet NatWest’s valuation requirements and acceptable construction standards for mortgage approval.
Affordability Checks
Applicants must pass NatWest stress and affordability tests to ensure repayments remain manageable if interest rates rise.
Â
Benefits of Securing NatWest Mortgage
Why Choose a Mortgage from NatWest?
NatWest offers flexible mortgage solutions with personalised service for a wide range of borrowers.
Flexible Lending Criteria
Accepts non-traditional income types, including self-employed, contractors, and freelancers.
Manual Underwriting
Real underwriters assess applications, increasing approval chances for unique circumstances.
Competitive Interest Rates
 Fixed, tracker, and exclusive broker deals often outperform high street offers.
Buy-to-Let Friendly
Suitable for individual and limited company landlords, including portfolio investors and first-time landlords.
Support for Product Transfers
Existing customers can switch products without a full remortgage.
Backed by NatWest Bank
As a leading UK bank, NatWest provides reliability, security, and long-term support.
Partnering with NatWest Mortgage
Our Role in Securing Your NatWest Mortgage
Mortgage‑Tek works closely with NatWest to access the right mortgage without stress. As authorised brokers, we understand NatWest’s lending criteria, products, and underwriting. From initial consultation to final approval, we manage the process, compare options, prepare applications, and liaise directly with NatWest. Our support saves time, reduces errors, and improves your chances of securing the right deal.
Compare & Find the Right Mortgage For You
Compare NatWest Mortgage with Other UK Mortgage Options
Mortgage Comparison
Compare NatWest mortgages with leading UK lenders to see how flexible criteria and competitive rates stack up.
Mortgage Quote
Get a personalised NatWest mortgage quote through Mortgage‑Tek. Clear guidance and fast response help you find the right product.
BORROW
Curious About How Much You Can Borrow?
Use our calculator to estimate borrowing potential based on income and expenses. Perfect for first-time buyers or property investors. No credit checks, instant results.
Your Estimated Borrowing Amount
Let’s Connect
Looking to speak with an expert about NatWest Mortgages?
We guide you through NatWest mortgage products and help secure a deal tailored to your circumstances.
Fast, clear, and personalised advice brings you closer to your new home.
FAQ’s
Can I apply directly with NatWest Mortgages?
Some deals require authorised brokers like Mortgage‑Tek. Direct applications are limited for certain products.
Does NatWest accept self-employed or contractor applicants?
Yes. Applicants need at least 12 months of income history with supporting documents.
What is the minimum deposit required for a NatWest mortgage?
Residential mortgages usually require 5% deposit (95% LTV). Buy-to-let generally requires 20–25%, depending on circumstances.
Can limited company landlords apply for buy-to-let mortgages with NatWest?
Yes, additional documentation such as company accounts may be required.
How long does it take to get a mortgage offer from NatWest?
NatWest typically issues offers within 10–15 working days once all documents are submitted.
What credit score do I need to qualify with NatWest?
No published score exists. Clean credit history helps; minor credit issues may be considered case by case.