NatWest international mortgage: Rates, requirements and more [2026 Guide]
You can apply for a NatWest international mortgage if you’re a resident of a supported country looking to buy a property in the UK. You’ll also need to meet a couple of additional eligibility criteria to submit your application.
Getting an international mortgage can be trickier than applying for a mortgage in the country you live in. This guide walks through the ins and out of getting a NatWest international mortgage so you can decide if it’s the correct route for you.
Plus we’ve got some details on how Wise can help you manage currency conversion and overseas transfers for your mortgage deposit and repayments, with mid-market rates and low, transparent fees.
💡 Understanding international mortgages
An international mortgage is a mortgage for a property which is not located in the country you live in. Some banks and mortgage providers offer products for people buying properties in any country - while others restrict the countries you can buy a home in.
You might be thinking of buying a property abroad for various different reasons:
As a buy-to-let or long term investment
To use as a holiday home
To live in yourself if you plan to relocate
As a base for a family member who is relocating for study
You may also be interested in getting an international mortgage if you already have an overseas property and need to remortgage it, to change the term or conditions of an existing loan, or to take out a new loan with the property as collateral.
Does NatWest offer international mortgages?
Yes. You can get an international mortgage with NatWest International if you’re buying a property in the UK to live in or rent out, or if you have a property in the UK already and want to remortgage it.
💡 To be eligible you must live in select countries and meet some other key criteria which can be found on the NatWest International international mortgage eligibility checker for non-residents.
NatWest can not give mortgage advice, and as such you can’t apply directly for your mortgage. Instead, to get an international mortgage with NatWest you must be working with a licensed mortgage broker who appears on the UK’s Financial Conduct Authority (FCA) register.
The broker can offer independent advice to check which product suits your needs best before you apply.
⭐ Key features
Eligibility: NatWest restricts access to international mortgages based on income, residence and other factors
Countries served: NatWest offers mortgages for non-UK residents buying residential and buy-to-let properties in the UK
Mortgage types: Residential and buy to let, fixed term and tracker, green mortgages for environmentally friendly properties, remortgage options also available
Costs: NatWest international mortgages might have costs including a product fee, early repayment charge, and a product maturity fee, as well as fixed and variable interest
Loan to Value (LTV): Residential properties can be up to 80% LTV while buy-to-let are usually capped at 75% LTV
Eligibility requirements for NatWest international mortgage
NatWest only offers international mortgages for people who want to buy a property in the UK.
To check if you’re able to apply for an international mortgage with NatWest you’ll need to enter your details into the NatWest International international mortgage eligibility checker. You’ll just need to select the country where you reside to get a quick indication of whether or not a NatWest product is right for you.
The details of where NatWest is able to support mortgage applications may change but at the time of writing you could apply if you’re a resident of the US for example, but not if you live in Australia.
📌 If you live in an eligible country, you’ll also be shown other criteria which apply. In the case of a US resident as an example, you’ll also need:
To be 18 or over
To have a UK bank account to pay for your mortgage and fees
⚠️ There are a few additional criteria to think about if you’re buying a property in the UK as an investment. In this case, to get a NatWest mortgage:
You must currently own no more than nine buy-to-let properties
Your maximum borrowing amount cannot exceed £3.5 million
The minimum value of a buy-to-let property to apply for a NatWest mortgage is £150,000
Property types covered
NatWest doesn't specify the property types that it may support, but there are a few key criteria in the mortgages which can help you decide if it’s right for you.
The minimum loan amount for non-resident applicants is £100,000.
For a buy-to-let property the value of the property must be £150,000 or more. This may mean a NatWest international mortgage isn’t suitable for you if you’re looking for a cheaper property or need a smaller mortgage.
Another interesting feature is that NatWest has specific Green mortgage options for properties with Energy Efficiency Ratings of A or B.
When properties are marketed for sale in the UK it is mandatory to have an Energy Efficiency report, with A rated properties being among the most eco-friendly.
If you qualify for this loan you’ll unlock lower interest rates compared to a standard NatWest international mortgage.
🌍 Countries for NatWest international mortgage
NatWest is a UK business and only offers mortgages for properties purchased in the 🇬🇧 United Kingdom.
How to apply for an international mortgage with NatWest
Here’s a step by step introduction to how to apply for an international mortgage with NatWest:
➡️ Step 1: Check NatWest eligibility
Use the NatWest international mortgage eligibility checker for non-residents to confirm you’re able to apply for an international mortgage based on your residency.
This means you can make an application - but bear in mind it isn’t a guarantee your application will be approved as you’ll also need to consider whether your income is sufficient to service the loan and whether or not you can meet the bank’s deposit requirements.
➡️ Step 2: Find an appropriate mortgage broker or intermediary
You can’t apply for a NatWest mortgage directly. Instead you must find an appropriate mortgage broker or intermediary who is registered in the Financial Conduct Authority (FCA) register.
Your broker can talk you through your options and eligibility for a NatWest mortgage, and may also make recommendations for different providers based on what they believe to be in your best interests.
➡️ Step 3: Work with your broker to prepare your supporting documents
Once you’ve decided to make your application to NatWest, your broker can help you prepare the supporting documents that will be needed.
These can vary depending your situation, but typically include:
Proof of identity and address (your passport and a utility bill for example)
Recent bank statements showing your income and outgoings
Evidence of your ability to pay the required deposit
Proof of employment or self employment, such as recent wage slips
➡️ Step 4: Your broker can initiate the application to NatWest
The application will be submitted to NatWest on your behalf and your broker can talk you through the likely timescales and any additional requirements.
⭐ Advantages of NatWest international mortgage
Using a broker means you get independent advice: NatWest do not offer international mortgages directly which means you have to talk to a broker. This is helpful as you’ll get advice based on your personal situation
Available for non-residents buying a property in the UK: many UK banks do not allow non-resident applications, making this a flexible option for many expats and foreign applicants
Variable LTV amounts available: apply with just a 20% deposit for residential purchases - higher deposits are needed for buy-to-let
Fixed and variable rate mortgage options: choose a tracker or fixed rate with the option to remortgage when your term ends
➡️ Fees and costs involved 💰
Before you make any arrangements for your international mortgage you’ll need to come up with a thorough budget plan to pay your deposit, fees and repayments.
Here are some costs to consider:
💰 Fees and other costs to know: | |
|---|---|
Valuation fee | Fee of about £100 on properties up to a value of £3 million |
Product fees | Your NatWest mortgage has a one off product fee of around £2,000 when you sign up |
Interest | NatWest has variable interest rates depending on the mortgage value, term and other factors |
Overpayment fees | Many NatWest mortgages limit the amount you can overpay on your mortgage, and may charge overpayment fees if you exceed that repayment amount |
Early repayment charges | Paying off your mortgage before the term has ended may mean additional charges which depend on how long the mortgage has left to run |
Legal fees | When arranging your NatWest international mortgage there will be legal fees which depend on the solicitor or conveyancer you choose |
Other costs | You’ll also pay fees in some less common situations such as changing your repayment method or asking to let a property you had previously lived in yourself |
Currency conversion costs | Finally, when paying your mortgage and deposit from abroad, currency conversion costs can mount up, adding 3% - 5% to each repayment if you send a bank transfer. Wise can help - read on to learn how. |
💰 Sending large amounts of money overseas? Check out Wise. 🌎
If you’re paying your UK mortgage in pounds from abroad, you’ll need low cost currency exchange and transfer services. Banks may add a significant markup on the exchange rate you get to send a payment to the UK.
This can add up to 5% to your costs, pushing up the end price of your property. Instead, consider using Wise for low cost international payments which use the mid-market rate with no hidden costs:
Send payments in 40+ currencies to 140+ countries, often quickly or even instantly
Wise currency conversion uses the mid-market rate, with low transparent fees from 0.33%
Progressive automatic fee discounts when sending high value payments
Large transfers have a dedicated customer support team to make sure your payment is hassle free
Wise is a digital first provider with high level security including 24 hour automatic and manual anti-fraud protections
If there’s ever any issue you can get 24/7 customer support in English to put your mind at rest
Wise is a regulated provider which offers services in many countries and territories globally - services and fees can vary depending on your residence, so do check the Wise website for your local area to get all the most important details.
Conclusion: Can you get an international mortgage with NatWest?
If you plan to buy a property in the UK you might be eligible to apply for an international mortgage with NatWest. You’ll need to check your home country is served by NatWest using the NatWest international mortgage eligibility checker for non-residents. If your country of residence is supported by NatWest you can then find a UK licensed mortgage broker to help you apply for a NatWest international mortgage.
This guide gives you an overview of all you need to know - and while you’re thinking about how to manage your home purchase most effectively, remember to also check out Wise for low cost international payments you can arrange from home, with no hidden fees and fast delivery times.
Useful resources
Information last checked 22nd January 2026.
NatWest International - international mortgage landing page
NatWest International - international mortgage eligibility checker for non-residents
Financial Conduct Authority (FCA) register - find a mortgage broker to work with NatWest