Log in to start your customer's application process.
Overlay
At a glance
We can help customers in Northern Ireland with a mortgage. We accept Euro income as well as GBP income.
Customers must be a UK resident at time of application, have a UK bank account and be able to provide address verification. Standard lending limits and loan to values (LTV’s) apply where the customer has Irish Citizenship.
Property
Properties must have a minimum purchase price or anticipated minimum value of £40,000, whichever is lower.
We lend on properties on Rathlin Island subject to valuation.
Flats in Northern Ireland
We’ll lend on flats.
For one bedroom flats we’ll consider:
Purpose build apartment blocks in the postcode range BT1 to BT18.
A Management Company must be in existence.
Please see Northern Ireland Housing executive/Ex-local authority below for additional information on flats.
Self-Build
We know that Self-Build properties are popular in Northern Ireland.
NatWest don’t typically lend on Self-Build properties built and occupied within the last 2 years.
However, we can lend where the Self- Build property was financed though Ulster Bank. There is no requirement for the property to have been built and occupied for 2 years subject the Building Control Completion Certificate being in place. New Build Lending Limits & Max LTV’s will apply.
A self-build property must be fully complete with full Building Control Completion Certificate and warranty in place before we can consider lending on it. NatWest do not accept retrospective warranties or consider lending on partially built properties.
Customer Income
We can use a wide range of incomes to support affordability. The following will help you understand how we asses income from Northern Ireland and Republic of Ireland.
If you'd like further guidance on our other policies, please visit our lending criteria page.