A word on additional
borrowing
You could release some of the money
locked up in your home for home
improvements or anything else.
You could borrow from £10,000 and repay the additional
borrowing over the same number of years you have left
on your mortgage, or sooner if you’d like to.
Any additional borrowing will be secured on your home
and will increase the total amount you pay back. And it’s
important to remember you could end up paying more
interest if you choose to borrow over a longer term.
Call us on 0800 096 9527 (Relay UK 18001 0800 096 9527)
or just pop into your local branch and we can explain
the process.
Some useful
contacts
Visit us at
natwest.com/mortgages
Mortgage queries
Call us on 0345 302 0190
(Relay UK 18001 0345 302 0190)
Lines open Mon-Fri 8.30am-5.30pm,
Sat 9am-12.30pm
Additional borrowing
Call us on 0800 096 9527
(Relay UK 18001 0800 096 9527)
Lines open Mon-Fri 8am-8pm, Sat 9am-4pm
Home insurance
Call us on 0800 051 5450
(Relay UK 18001 0800 051 5450)
Lines open Mon-Thu 8am-8pm, Fri 8am-6pm,
Sat 9am-5pm and Sun 10am-5pm.
Braille, large print or audio format?
If you'd like this information in another format
Call us on 03457 888 444
(Relay UK 18001 03457 888 444)
YOUR HOME OR PROPERTY MAY BE REPOSSESSED
IF YOU DO NOT KEEP UP REPAYMENTS ON
YOUR MORTGAGE.
NatWest Home Insurance underwritten by U K Insurance Limited.
National Westminster Bank Plc, 135 Bishopsgate, London EC2M 3UR.
Registered in England and Wales No. 929027.
NWB6708 November 2020
All done
and dusted
Some things to consider now
you have a new mortgage
Settling in
The hard bit is behind you, now it’s
time to get comfortable.
Keep this leaflet somewhere handy,
as it has lots of information that could
help you in the future.
Getting you up
and running
Now you’ve got your mortgage,
there are lots of ways we can help
you manage it.
Take a look.
If you have any trouble paying
your mortgage
We understand worrying about paying your mortgage
can cause a great deal of stress, but it’s important to talk
to us. Our friendly team based in the UK, help thousands
of customers every year, and are on hand to help you.
We’ll listen to you and walk you through the options
available to help. You don’t have to have missed
a payment to benefit from discussing your worries.
Call us on 0345 303 0191 (Relay UK 18001 0345 303 0191).
Changing your mortgage details
Here are some of the changes you may need to make
in the future – if you do, just get in touch.
• Making overpayments. On a fixed or tracker mortgage
you can overpay 10% of your mortgage balance without
charge each year if you'd like to. This will reduce the amount
of interest you pay. If you make regular overpayments you
may want to talk to us about your options.
• Changing your mortgage term. If you'd like to make
a change to your mortgage term, you can contact us to
talk about your options.
Remember, if you increase your term you’ll pay
more interest.
Manage your mortgage online
There are lots of things you can do online, like check
your mortgage balance or your interest rate, change your
payment date or the account you pay your mortgage from.
You can also set up regular overpayments or ask for
a certificate of interest.
Just visit natwest.com/mortgages and select the
‘Our mortgage customers/Manage your mortgage
online’ section.
When your mortgage deal comes to an end
When you come to the end of your current mortgage
deal we could help you find a new one – just get in touch.
And if you took out a tracker mortgage and later on
want to consider moving to a fixed rate, just let us know.
We offer a handy track and switch service with no early
repayment charge. If you don’t need any additional
borrowing, we won’t need proof of income or even
a new Direct Debit.
Free independent advice
It’s not only first time buyers that can find further advice
by visiting moneyadviceservice.org.uk as this site has
lots of free and impartial information including sections
all about setting up home.