NatWest Contractor and Self-Employed Mortgages

Competitive mortgage solutions for high-earning contractors paid in all currencies

Whether you're paid in pound sterling, dollars or euros, you can access a mortgage from NatWest, one of the UK’s leading mortgage providers for contractors and self-employed professionals.

NatWest contractor mortgages

NatWest is a contractor-friendly mortgage lender that recognises the growing demand from the UK’s flexible workforce. As part of the RBS Group, NatWest sets high standards for contractors in order to guarantee reliable and responsible lending. However, our special partnership with this lender allows us to explore a wider range of contract-based mortgage options than you might find in a typical branch.

NatWest contractor mortgage criteria

Tailored for top-earning contractors, NatWest has established itself as a go-to lender for those in the contracting community who earn a minimum day rate of £326, or an annualised gross income of £75,000. The lender also accepts applications from UK-based contractors paid in alternative currencies.

NatWest’s stringent approach serves to mitigate risk, positioning the bank as a secure yet exclusive mortgage option for contractors who meet these specific financial criteria.

As part of the mortgage application, the following documentation will be required:

  • ID and proof of address
  • Evidence of income
  • Evidence of current contract
  • Proof of deposit
  • Latest bank statements

For more information on NatWest’s lending criteria for contractors, get in touch with our specialist mortgage consultants today on 02394 212912.


NatWest self-employed mortgages

In line with NatWest’s lending criteria for self-employed professionals, borrowers would normally be expected to provide:

  • Previous two years’ SA302 forms and corresponding tax year overviews
  • ID and proof of address
  • Copy of current contract
  • Signed business accounts from previous two years

Cleerly has a strong and long-standing relationship with NatWest and will liaise with the lender to secure the best possible mortgage deal for our self-employed clients.

NatWest contractor mortgage FAQs

NatWest defines contractors as professionals who work on a temporary basis for different clients or companies, often with specific contracts for a set period of time.

NatWest considers you to be self-employed if you currently own a 20% share or more in a business that contributes the majority of your income.

Getting a mortgage as a contractor working through an umbrella company is possible but comes with challenges. To boost your chances, contact the Cleery team today who discuss umbrella mortgage options available to you, based on your circumstances.

Despite their strict lending criteria, NatWest has become significantly more ‘contractor-friendly’ in recent years, offering some of the most competitive mortgage rates in the market. Find out how much you could borrow with our Contractor Mortgage Calculator.

Getting a mortgage as a contractor or self-employed professional can be challenging. That’s why the best way to get a mortgage offer from NatWest is to work with a specialist contractor mortgage broker. Cleerly’s mortgage consultants are experts in contractor and self-employed mortgages, guiding you through the process to boost your chances of approval.

To discover how Cleerly can help you get your dream property, call us today on 02394 212912.

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Looking for a stress-free remortgage process that helps you enjoy life while getting you the best available deal?

Whether you’re looking to get the ball rolling on a mortgage application or you’re just after some friendly advice, don’t hesitate to give us a call on 02394 212912 or request a call-back.