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Latest monthly roundup
Welcome to our monthly roundup, featuring key updates, expert advice and practical tools for navigating the mortgage market. This email covers Loan to Income policy changes for higher earners, tips for the Intermediary Insights hub and ways to stay connected with NatWest Intermediaries.
Stay ahead with the latest market insights and updates
Our Intermediary Insights hub brings together the latest updates, expert views and practical tools designed to support you in today’s mortgage market. From our monthly roundups and product enhancements to easy to digest Mortgage in a Minute videos, the page is built to keep you informed quickly and efficiently. You’ll also hear directly from our specialists across key areas of the business, sharing guidance to help make your customers’ application journeys as smooth as possible.
Whether you’re looking for the latest criteria changes, insights into market developments, or simple explainers to support customer conversations, you’ll find content designed with your day-to-day needs in mind.
Further strengthening our Loan to Income (LTI) for higher earning customers
We’re continuing to enhance the support you can offer your higher earning customers.
We’ve increased our maximum LTI for joint applicants earning £150,000+, with access to up to 6.5x income at 75% Loan to Value (LTV) or less.
This is our fourth LTI enhancement this year, giving you even greater flexibility to support your customers who are looking to maximise their borrowing potential.
Explore our latest criteria and LTI table on our affordability hub: View our affordability hub
Improved service levels page
To help you manage your customers’ applications efficiently, we’ve relaunched our service levels page with a clearer layout and up to date information. Here, you’ll find details on the progress of applications, underwriter reviews, and our average time to offer, allowing you to track service expectations with ease. Click here to view our current service levels.
Update on Credit Search Name Display for Recent Broker Mortgage Applicants
From 17th June, customers who submitted an application with us with a Broker in the last 12 months may notice an alert on their credit report showing our name differently. Previously, the search appeared as NatWest Intermediary Solutions, but this will now change to NatWest Intermediaries.
Customers may receive an email saying something like ‘Something has changed on your Credit Report’. This is standard and not a new credit check. It’s simply an update to the name shown on the credit search footprint.
If you are contacted by a customer regarding this, please reassure them that no new hard searches are being recorded-only the name on the existing footprint is updated.
Stay connected with NatWest Intermediaries
Following NatWest Intermediaries on LinkedIn is a great way to stay up to date with the latest news, updates and insights from across our business.
By following our page, you’ll be able to:
- Keep up to date with latest product, criteria and policy updates.
- See industry insights and market commentary.
- Access helpful case studies and broker support content.
- Stay informed about events, webinars and key announcements.
Follow us here.