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
Representative APR Amount Term Type
4.34–6.59% £25k–£2M 60–480 mo mortgage
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 & Cons

Pros
  1. ✓ Family-Backed mortgage for boosted borrowing power
  2. ✓ Agreement in Principle in under 10 minutes with no credit score impact
  3. ✓ Competitive rates across LTV bands
  4. ✓ Free mortgage rate alerts by email
  5. ✓ Overpayments up to 10% annually
Cons
  1. ✗ Maximum borrowing capped at £2 million vs some competitors offering more
  2. ✗ Product fees of £995 on some deals
  3. ✗ Holiday home mortgage criteria can be restrictive
  4. ✗ Online-only application may not suit everyone

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