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NatWest introduces 95% mortgages in support of first time buyers

From April 19th, the bank will be introducing 95% LTV products for its NatWest and Royal Bank brands, in line with the UK Government’s announcement on the new mortgage guarantee scheme.

NatWest will be one of the first lenders to offer this for both first time buyers and existing homeowners, signalling a commitment to low deposit lending. The Scheme is to launch initially through NatWest’s Direct Mortgage channel, with the intermediary channel to follow. The date of launch for the intermediary channel will be confirmed in due course.

NatWest Group has supported almost 400,000 customers in the last year looking to obtain a new mortgage deal. More customers than ever before are applying for a mortgage digitally with approximately 30% of customers choosing to apply online. 


Miguel Sard, MD of Home Buying and Ownership at NatWest said: “We welcome the Government’s new mortgage guarantee scheme to give further support to those with smaller deposits. For those customers, particular younger or first-time buyers, saving up for a big deposit can often be difficult, and we know people in these groups are some of the hardest hit by the effects of the pandemic. A government backed scheme will help segments of the market for whom home ownership has felt far out of reach in recent months.”


NatWest’s 95% product announcement also follows the introduction of the banks’ first ever ‘Green Mortgage’, which offers a discounted interest rate to customers purchasing a property with an Energy Performance Certificate rating of A or B. The Green Mortgage supports the bank’s pledge to help customers become more energy efficient with an ambition that 50% of the bank’s mortgage book is at or above EPC C or equivalent rating of C by 2030.



This article is for media use only and is not a financial promotion.
95% LTV Mortgages- Exclusions & eligibility criteria apply.
Green Mortgages- Selected mortgages only. Max LTV 85%.


NatWest mortgages are available to over 18s.

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