NatWest is one of the UK’s largest and most consistent mortgage lenders, known for offering excellent value, strong affordability, and a digital-first process that makes things quick and simple. Whether you’re employed, self-employed, a first-time buyer, or looking to remortgage, NatWest delivers reliable, accessible lending — especially for clients with clean credit and provable income.
At Mortgage Knight, we regularly recommend NatWest to clients who want efficient service, great rates, and a lender that understands real income.
If you’re self-employed, employed, or just want a lender that offers fast decisions, strong affordability, and broker-backed support, NatWest is a solid choice.
Speak to Mortgage Knight today, and we’ll guide you through the process of applying with NatWest — from agreement in principle to full offer.
A: NatWest typically offers up to 4.5x income, or more for high earners with low debts. Their affordability calculator is strong, especially for dual-income households.
A: Yes. NatWest requires 2 years of self-employed accounts or SA302s, and they average your net income to determine affordability. Ideal for limited company directors and sole traders.
A: Yes. They will use 50–100% of additional income, depending on its consistency and how long it has been received.
A: Absolutely. NatWest supports 95% LTV mortgages, especially for first-time buyers and clients with a strong credit history.
A: Yes. NatWest accepts gifted deposits from close family, subject to the usual checks and confirmation letters.
A: Yes. You can raise funds for home improvements, debt consolidation, or deposits for other properties, subject to affordability and purpose.
A: You can apply through Mortgage Knight to get the same great NatWest deals — with the benefit of expert advice, professional packaging, and a smoother experience.
