Forum & Social Team

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As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept. If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application.

FREEPOST NatWest Intermediary Solutions Mortgage Centre Cartsdyke Avenue Greenock PA15 1ED For a complete listing of all our mortgage products, please visit the on our web site. Please note if any personal information is given, it will only be used with regards to this specific enquiry and will not be used for any other purpose. All existing NatWest mortgage customers on an SVR will have their rate increased with effect from 1 September 2018.

Forum & Social Team

The changes relate to our Buy to Let calculator, which came into affect on 23 rd October and are as follows: · We have reduced the minimum rental coverage ratio from 125% to 100% for customers whose total personal income is £75000 p. · Basic Rate Tax relief will be applied for BTL property finance costs when assessing affordability. We have improved our approach to how we treat residential monthly rent payments for non-home owners when assessing affordability. Please remember to ensure all Buy to Let applications are checked using the calculator on our website before submitting to confirm that they meet our lending requirements. We are delighted At NatWest Intermediary Solutions to be launching a new range of Help to Buy Shared Equity Remortgage products, which may allow customers with another lender to save money by remortgaging to NatWest. We have also taken this opportunity to introduce rate reductions to our core and semi-exclusive range. The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Tuesday 2nd October 2018. If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Wednesday 19 th September 2018. Requests received after this time will not be considered. As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept. We have updated our Packaging Requirements guide, which can now be found on our Forms and guides page. The update relates to a change in the evidence required for fluctuating income. For employed customers who receive discretionary bonuses monthly , regular commission, shift allowance and overtime payments, the evidence we need has changed from 6 months payslips to 3 months consecutive payslips and the most recent P60. If the customer is unable to provide a P60, they can still send in the 6 months payslips. For quarterly bonuses, the evidence we require remains the same: We evidence this by 4 payslips detailing the most recent bonus payments — one from each quarter. We are introducing changes to our core, semi-exclusive and buy to let ranges. The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Wednesday 12th September 2018. If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Thursday 30 th August 2018. Requests received after this time will not be considered. As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept. At NatWest we appreciate that the process involved in buying a New Build property can be a complex one. The guide offers a really useful overview of important points that you need to know when placing New Build business with NatWest, such as: · The companies that are on our approved list for structural warranties. · What we accept in regards to builders incentives. · Details of our offer extension process. You can find it in the forms and guides section of our website. We now use the amount the customer has declared and will no longer use ONS data in our affordability calculations. Customers with dependants will be asked about the type of childcare they use, how often and how much they spend. · Customers will now be asked to include their specific childcare costs as a Financial Commitment and will cease to use the average ONS data for this outgoing. The highest figure should be used over the 5 year period. · In some circumstances childcare costs may be unknown, for example if the customer is currently pregnant, on maternity leave or if childcare arrangements are yet to be made. When should childcare costs not be calculated? There are a number of situations where childcare cost should not be captured in the affordability calculations. These include: · Where customers are using free childcare e. · Where the childcare costs are stopping within the next 6 months. The Standard Variable Rates SVRs for our residential and buy-to-let mortgages will increase by 0. All existing NatWest mortgage customers on an SVR will have their rate increased with effect from 1 September 2018. Customers currently on a fixed rate deal or awaiting completion will move onto the new SVR at the end of their current product term. All product codes will remain unchanged. For a complete listing of all our mortgage products, please visit the on our web site. We are introducing changes to our core and semi-exclusive ranges. The supporting documentation for applications on these products must be received in our Mortgage Processing Centre by close of business on Wednesday 18th July 2018. Please submit all packaging documentation together to ensure the application can be dealt with efficiently. If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Thursday 5 th July 2018. Requests received after this time will not be considered. You must hold a valid illustration produced prior to rate withdrawal. FREEPOST NatWest Intermediary Solutions Mortgage Centre Cartsdyke Avenue Greenock PA15 1ED For a complete listing of all our mortgage products, please visit the on our web site. As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept. If you have any questions please do not hesitate to call me or use our dedicated instant messaging service We are introducing changes to our core and semi-exclusive ranges. The supporting documentation for applications on these products must be received in our Mortgage Processing Centre by close of business on Wednesday 20th June 2018. Please submit all packaging documentation together to ensure the application can be dealt with efficiently. If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Thursday 7 th June 2018. Requests received after this time will not be considered. You must hold a valid illustration produced prior to rate withdrawal. FREEPOST NatWest Intermediary Solutions Mortgage Centre Cartsdyke Avenue Greenock PA15 1ED For a complete listing of all our mortgage products, please visit the on our web site. As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept. If you have any questions please do not hesitate to call me or use our dedicated instant messaging service. We are introducing changes to our core and semi-exclusive ranges. The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Monday 28th May 2018. If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Tuesday 15 th May 2018. Requests received after this time will not be considered. As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept. If you have any questions please do not hesitate to call me or use our dedicated instant messaging service. On Monday, NatWest are delighted to launch new high value remortgage rates for new and existing customers who have a mortgage of £500k and over. Until now we have based all products on LTV; however we are introducing 12 new products that are being priced according to loan balance and LTV. As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept. If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Monday 23rd April 2018. Requests received after this time will not be considered. We are introducing changes to our core and semi-exclusive ranges. Help to Buy: Shared Equity scheme · Selected 2 year fixed rate purchase — Increases of 15bps · 5 year fixed rate purchase - Increases of 1bps on 70% and 75% LTV deals. Residential · Selected 2 year fixed rate purchase — Increases of between 1-15bps · 5 year fixed rate purchase — increases of 1bps on 60% and 95% LTV deals. Semi-exclusive range Rate changes Residential · Selected 5 year fixed rate purchase — Increases of between 1-5bps · Selected 5 year fixed rate remortgage — Increases of between 1-6bps Buy to Let · Selected 2 year fixed rate purchase — Increases of between 1-3bps · Selected 5 year fixed rate purchase — Increases of between 6-11bps · Selected 2 year fixed rate remortgage — Increases of between 1-8bps · Selected 5 year fixed rate remortgage — Increases of between 2-3bps As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept. The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Tuesday 24 th April 2018. If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Wednesday 11 th April 2018. Requests received after this time will not be considered. We are introducing changes to our core and semi-exclusive ranges. The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Tuesday 27 th March 2018. If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application.. In this instance, you must e-mail your BDM by midday on Wednesday 14 th March 2018. Requests received after this time will not be considered. On the 14 th March NatWest Intermediary Solutions will introduce policy changes to our Buy to Let BTL proposition. We are increasing the total number of buy-to-let properties we will allow a landlord customer to own from 4 to 10. The total will include unencumbered properties and properties mortgaged with ourselves and another lender. The maximum aggregate customer borrowing allowed will be increased to £3. The current £50,000 minimum income for aggregated borrowing over £1m will be removed. All customers will be required to meet our standard buy-to-let minimum income of £25,000. On Thursday 8 March, will be launching an offer extension to our Intermediary New Build proposition. For customers arranging their mortgage through an Intermediary we will allow brokers to request an extension to an existing mortgage offer, at any point within the initial 6 month offer period. This means that customers could have a total offer period of up to 12 months. This will be subject to a successful refresh of a credit search and property valuation. The offer extension will be valid for 6 months from the point the extension is agreed. Today, NatWest launches an automated HPI house price index check that forms part of their product transfer service. This will mean that brokers no longer have to call NatWest to obtain the HPI value as the current value will be displayed on-screen. As before, if customers are not happy with the stated HPI value, they can proceed on the original house valuation or request a standard valuation to be completed at a cost to them.

Can chat agents assist me with Online Banking. Please read the,and. Tried it again going directly from the page the linked opened but I get the same el. Live online chat natwest the last 18 months, 1,104 customers have searched for NatWest Visa UK live chat-based customer service and we have had to tell them the disappointing news: they don't offer customer support though chat. If you have any questions please do not hesitate to call me or use our civil instant messaging service. Its stance of putting consumers first is protected and enshrined in the legally-binding. We are introducing changes to our core and semi-exclusive ranges. In this instance, you must e-mail your BDM by midday on Thursday 5 th July 2018. There are a number of jesus where childcare cost should not be captured in the affordability calculations.