Our Mortgage-Approval Guarantee - We're so confident in our service, we guarantee it - or £100 back* Read more Chevron
Arrow Arrow
Scroll to top

What To Do If Natwest Have Refused Your Mortgage

See how expert advice could help secure your mortgage approval despite already being declined by Natwest

No impact on credit score

4.8 out of 5 stars across Trustpilot, Feefo and Google! Our customers love Online Mortgage Advisor

Pete Mugleston

Author: Pete Mugleston - Mortgage Advisor, MD

Updated: June 17, 2022

Have you had a mortgage application declined by Natwest? Or maybe you feel certain they’re going to knock you back and put the kibosh on your homeownership plans? Either way, we’re here to help!

We’d like to start by reminding you that an unsuccessful mortgage application with Natwest is far from the end of the road for you and your dreams. Read through our guide to find out what to do if Natwest have rejected you for a mortgage and how we can help you out.

How strict are Natwest as a mortgage lender?

Natwest are stricter than some mortgage lenders where bad credit history is concerned and don’t usually offer mortgages to customers with issues like debt management plans and mortgage arrears, as well as unsettled payday loan debt.

Their mortgage approval rate is in line with most high street lenders in the UK, in the sense that they carry out thorough eligibility checks and due diligence around affordability and usually reject applications that fall outside of a set criteria.

Get Expert Advice Ask Us A Question

Ask Us A Question

We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in all different mortgage subjects.

Ask us a question and we'll get the best expert to help.

Feefo 5 Stars
1 of 3
2 of 3
3 of 3 Send!

What to do if Natwest have declined you for a mortgage

If Natwest has turned down your mortgage application or you fear they’re about it, here are three steps you can take to help keep your homeownership plans on track…

  1. Don’t re-apply straightaway
    Hold your horses! Although there will be a burning temptation to lodge another application straightaway, bear in mind that too many requests for finance in a short space of time can negatively impact your credit report. But speaking to a mortgage broker who knows exactly the right lender to approach and how long to wait before you approach them could make a world of difference.
  2. Find out exactly why Natwest said no
    Gathering all of the facts surrounding your rejection will help you prepare a solution for whatever issue Natwest found the next time you apply. Ask for a copy of the surveys if a problem with the property was the culprit. You should also download your credit reports to make sure they’re fully up to date, regardless of whether bad credit was behind the rejection, as this could boost your prospects the next time you apply and give you an idea of what Natwest saw when they looked into your credit history.
  3. Make an enquiry so we can match you with the right mortgage broker
    If you do only one thing in the aftermath of a mortgage rejection from Natwest, speak to a mortgage broker. Professional advice is the best medicine in a situation like this, and it also happens to be the best way to turn that rejection into an approval, whether that’s with Natwest after some renegotiation or another mortgage lender who’s better positioned to offer you the most favourable deal available. After reviewing your needs and the circumstances surrounding your Natwest application, we’ll swiftly match you with a fully-vetted mortgage broker.

Get expert advice immediately if...

  • You have 5% deposit
  • You have some form of bad credit
  • You are changing jobs, or recently changed jobs
  • You have used payday loans in the past
  • You are purchasing a non-standard property
  • You have been declined and aren’t sure where to apply next

Get Expert Advice

Common reasons why Natwest decline mortgage applications

  • Not enough deposit

At the time of writing, the maximum loan to value (LTV) ratio for a Natwest mortgage is 90%, which means you’ll need at least 10% deposit or they will likely decline you. This has left many first-time buyers and people with low deposits out in the cold, but if you’re one of them, don’t throw in the towel just yet. With the help of the right broker, it may be possible to get a mortgage with less than 10% deposit elsewhere.

  • ‘Severe’ bad credit

Natwest can be strict about bad credit under certain circumstances. For instance, it can be notoriously tricky getting a Natwest mortgage with a county court judgement (CCJ), and customers in debt management plans are usually rejected outright. It’s a similar story for would-be borrowers with defaults, as Natwest typically classes this type of credit problem as “severe” and may even decline a mortgage after the agreement in principle (AIP) stage if evidence of it crops up during underwriting.

  • Recently started a new job

If you’ve landed a new job and want to take out a mortgage based on the salary you’ll be earning, there’s a chance that this will fall afoul of Natwest’s underwriting criteria as they’d usually need at least one actual payslip as proof of what you’re earning. The same rules apply if you’ve just gotten a pay rise or a promotion and want to borrow based on your increased wages.

  • Payday loan use

The vast majority of mortgage lenders dislike payday loans, and this is certainly true of Natwest, who will decline a mortgage application from anyone who’s currently paying one off. Natwest will only consider you for approval once the debt is firmly in your rearview mirror, and even then you’ll be subject to intense underwriter scrutiny since questions will likely be raised about your money management.

  • Issues with the property

Natwest might decline a mortgage application after the valuation stage if an issue with the property comes to light. This could be due to the way it was constructed. For instance, Natwest won’t lend for properties with non-repaired prefabricated reinforced concrete and Buildoffsite Property Assurance Scheme (BOPAS) accreditation is needed for anything classed as ‘non-standard’ construction. It might also be that the property type was the culprit – they don’t lend on modular homes, for example.

Some people end up with a Natwest mortgage approved subject to valuation, only for the deal to collapse late in the day when the final survey checks have come back.

  • Other reasons

There are literally hundreds of reasons why Natwest might turn down a mortgage applicant. Maybe you fall outside of their upper age limits, made a simple error on your application or your deposit is from a source that Natwest don’t accept. Whatever the reason, speaking to a specialist broker will give you the best chance of finding a solution and reviving your mortgage plans.

We're so proud of our customers

We hate to see mortgage applications get denied, so we're extra proud when our customers find a mortgage through one of the brokers we work with.

Chippenham UK
I applied for a mortgage with Natwest but was told I don’t qualify because I’m still paying off a CCJ. I was gutted. After to speaking to Online Mortgage Advisor things started to go smoothly and we got approved! I can’t thank you enough!
York, UK
Being a single mum I really struggled to find a mortgage on my income alone. I didn't match most lenders affordability criteria even though I could afford my rent fine at the time! I was so frustrated, but luckily Ellen my broker found me a deal with a building society I'd never heard of, but were willing to accept me.

How a mortgage broker can help you overcome these issues

If you think Natwest are likely to decline you for a mortgage because of any of the above issues, keep in mind that it could still be possible to get approved for the finance you need with the help of the right mortgage broker.

There are brokers in our network who occasionally have access to exclusive deals with Natwest, but if you don’t meet their criteria, they could help you find an alternative mortgage provider with a more flexible lending criteria.

We're so confident in our service, we

We know It's important for you have complete confidence in our service, and trust that you're getting the best chance of mortgage approval. We guarantee to get your mortgage approved where others can't - or we'll give you £100*

Get matched with a broker who specialises in salvaging declined mortgages

If you’ve had a mortgage application declined by Natwest or fear that they’re going to reject you, it’s easy to get discouraged, but keep in mind that help is available. The right mortgage broker will have the expertise to bring your application back from the brink, or even find you an alternate lender who’s more likely to approve you for the mortgage you need than Natwest.

We offer a free broker-matching service that will take your needs and circumstances into account and match you with the ideal broker. This will be a vetted advisor with the knowledge and experience to get you the best mortgage available, whether that’s a renegotiated deal with Natwest or a fresh agreement with another lender, one who’s better positioned to help you.

Call 0808 189 2301 or make an enquiry online and we’ll pair you up with a mortgage expert who helps people who’ve been declined by Natwest every day. Remember, speaking to them as soon as possible is the best way to turn that rejection into a mortgage approval.

Ask a quick question

We know everyone's circumstances are different, that's why we work with mortgage brokers who are experts in all different mortgage subjects.

Ask us a question and we'll get the best expert to help.

Feefo Stars
1 of 3
2 of 3
3 of 3 Send!


What is the timescale for a Natwest mortgage application?

With a high street lender like Natwest, it will typically be around two weeks after you’ve submitted your mortgage application before you can expect a full mortgage offer. This timeframe will likely increase if the application is complex due to factors like bad credit or a non-standard property type.

Are Natwest strict with mortgages?

Natwest’s mortgage approval rate is in line with most high street lenders in the UK, in the sense that they carry out thorough eligibility checks and due diligence around affordability and usually reject applications that fall outside of a set criteria.

They are stricter than some mortgage lenders where bad credit history is concerned and don’t usually offer mortgages to customers with issues like debt management plans and mortgage arrears, as well as unsettled payday loan debt.

Can I get a refund on my valuation fee if Natwest rejected my application?

Natwest will refund the valuation fee in full if your mortgage application was declined for any reason besides an issue directly related to the valuation report.

If, however, a problem flagged up during the valuation was the culprit, then the customer will not usually qualify for a refund.

Do Natwest accept gifted deposits?

Yes, Natwest are willing to consider mortgage applications from customers with a gifted deposit from either a member of their family or a close friend.

With deposits gifted from friends, they will only approve the mortgage if repaying the gifted funds is not necessary and will expect the friend to put this in writing. They will also need to state that they will have no interest in the property.

Do Natwest reject mortgage applications because of gambling?

They might reject a mortgage application if a history of excessive gambling comes to light during the underwriting checks, but there’s no ‘one-size-fits-all’ definition of ‘excessive’ gambling that applies across the board.

Most likely, Natwest will decide whether this is a deal-breaking issue based on the overall strength of your application.There might also be other mortgage providers with a higher appetite for risk who will consider lending to you despite your gambling activity.

What happens after Natwest issues my mortgage offer?

At this late stage, it’s not too late to seek professional advice from a broker and double-check that you’re happy with the terms of the agreement. If you are 100% happy with what Natwest is offering, you can sign the contract and your solicitor/conveyancer will move the deal onto the next phase, which is the exchange of contracts, followed by completion.

If your circumstances have changed since you originally applied with Natwest, it’s important to let them know, otherwise the contract you’re signing could be null and void before the ink is dry. You’ll also need to make sure your deposit funds are available, along with the funds that you agreed for any additional costs and fees, including stamp duty.

About the author

Pete, an expert in all things mortgages, cut his teeth right in the middle of the credit crunch. With plenty of people needing help and few mortgage providers lending, Pete found great success in going the extra mile to find mortgages for people whom many others considered lost causes. The experience he gained, coupled with his love of helping people reach their goals, led him to establish Online Mortgage Advisor, with one clear vision – to help as many customers as possible get the right advice, regardless of need or background.

Pete’s presence in the industry as the ‘go-to’ for specialist finance continues to grow, and he is regularly cited in and writes for both local and national press, as well as trade publications, with a regular column in Mortgage Introducer and being the exclusive mortgage expert for LOVEMoney. Pete also writes for OMA of course!

Read more about Pete

Pete Mugleston

Mortgage Advisor, MD

Continue Reading

FCA disclaimer

*Based on our research, the content contained in this article is accurate as of the most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs.

Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

Maximise your chances of approval, whatever your situation - Find your perfect mortgage broker

Don't miss out...

Sign up for the latest market news, new lender product information and helpful tips and advice from our experts!

Close icon