Important information
If you're not on our Standard Variable Rate (which has no restrictions on the amount you can overpay), there may be a maximum value amount you can overpay each year without incurring an Early Repayment Charge. For more information please refer to your most recent mortgage offer.
To illustrate savings, we have made the following assumptions:
- The amount you currently pay is based on either your previous monthly payment or the information you have entered.
- Monthly overpayments are made and remain constant throughout the mortgage term.
- The interest rate will remain the same for the term of the mortgage.
- Months are of 12 equal lengths, so the monthly interest will not differ.
- Repayment amounts are rounded up or down accordingly to the nearest £1 for display purposes.
- The potential reduction in time to repay your mortgage is presented as years/months. The figure is rounded up or down accordingly for display purposes.
The calculator is for illustrative purposes only. It does not provide a precise calculation of the time or interest you could save, but is intended to give you information and guidance about the potential savings. Please note the calculator does not factor in any charges for early repayments of the total mortgage balance and is based on a capital repayment mortgage. This overpayment calculator does not include all of the information that you need to select or compare mortgages. Please request a Mortgage Illustration before you choose a mortgage.
Calculations based on interest accruing daily and applied monthly.
Common questions
If you’re on a fixed or tracker rate product, you can pay up to 10% of your outstanding mortgage balance before an Early Repayment Charge (ERC) will apply.If you exceed your allowance, you’ll have to pay anEarly Repayment Charge on the amount over 10%.
If you're on a Standard Variable Rate of interest, there is no limit to the amount you can overpay and you will not incur a charge for making any overpayment.
If you make a lump-sum overpayment, we will recalculate your monthly mortgage repayment to reflect the reduced balance. Your monthly payments will reduce, the term of your mortgage will stay the same and you'll pay off your mortgage in the same amount of time.
If you would prefer to pay your mortgage off earlier by reducing the mortgage term, please let us know.
Please contact our Mortgage Team before making any overpayments on your mortgage.
Contact our Mortgage Team
If you have made an overpayment using a bank transfer or standing order, please allow up to 5 working days for your overpayment to be applied to your mortgage balance.
Please contact our Mortgage Team before making any overpayments on your mortgage.
Contact our Mortgage Team
Contact us about mortgages
You can contact our mortgage teams by calling us, completing a callback form or using our online forms to request:
- mortgage statements
- mortgage tax certificates
- mortgage redemption quotes.
For properties in Jersey
Choose how to get in touch with us.
Phone the mortgage team
Speak to a member of our local mortgage team.
01534 282262
Lines are open Monday to Friday 9am - 5pm (except bank holidays). Calls may be recorded.
Other ways to contact us
Request a mortgage redemption quote
Request a mortgage statement
Request a mortgage tax certificate
Enter your contact details into the callback form and our mortgage team will call at a time that suits you.
For properties in Guernsey
Choose how to get in touch with us.
Phone the mortgage team
Speak to a member of our local mortgage team.
01481 703809
Lines are open Monday to Friday 9am - 5pm (except bank holidays). Calls may be recorded.
Other ways to contact us
Request a mortgage redemption quote
Request a mortgage statement
Request a mortgage tax certificate
Enter your contact details into the callback form and our mortgage team will call at a time that suits you.
For Isle of Man properties
Choose how to get in touch with us.
Phone the mortgage team
Speak to a member of our local mortgage team.
01624 637676
Lines are open Monday to Friday 9am - 5pm (except bank holidays). Calls may be recorded.
Other ways to contact us
Request a mortgage redemption quote
Request a mortgage statement
Request a mortgage tax certificate
Enter your contact details into the callback form and our mortgage team will call at a time that suits you.
For properties in Gibraltar
Choose how to get in touch with us.
Phone the mortgage team
Speak to a member of our local mortgage team.
00350 200 14477
Lines are open Monday to Friday 9am - 5pm UTC (except bank holidays). Calls may be recorded.
Other ways to contact us
Request a mortgage redemption quote
Request a mortgage statement
Request a mortgage tax certificate
Enter your contact details into the callback form and our mortgage team will call at a time that suits you.
For properties in the United Kingdom
Choose how to get in touch with us.
Phone the mortgage team
If you bank with NatWest in the UK, please visitwww.natwest.comor call 0345 302 0190.
To contact the NatWest International teams:
For existing borrowers
01624 632323
Buy to Let mortgages
01624 632345
Dedicated line for brokers
01624 632444
NatWest International only accepts new applications for Buy to Live mortgages via regulated Mortgage Brokers/Independent Financial Advisers.
Lines are open Monday to Friday 9am - 5pm (except bank holidays). Calls may be recorded.
Other ways to contact us
Request a mortgage redemption quote
Request a mortgage statement
Request a mortgage tax certificate
Enter your contact details into the callback form and our International mortgage team will call at a time to suit you.
