NatWest Mortgage www.natwest.com

Worst bank I have ever seen, I would never recommend to anyone, never

Messed me around for 6 or 7 weeks now. After trying to act like accountants and tax assessors, scrutinising my invoices and books, they've finally demanded i use an accountant. All just to prove to them what's already confirmed by HMRC in my SA302s.

It's all too late in the day for me now so I'm cancelling the application and looking elsewhere.

They've caused me weeks of uncertainty and it's inconvenienced the vendor, estate agents, mortgage advisor etc.

This company do not fully understand sole traders and I would advise any self employed person to steer well clear of them.

Dreadful. Leave clients high and dry with their lawyers by not allowing them onto the lending panel. Shocked.

Absolutely ridiculous service. The valuer that came to my residence, Plymouth incorrectly noted we had Cladding on the house. So for weeks on end they kept telling us to obtain an EWS1 form for the cladding which we could not do because IT WASN'T CLADDING TO BEGIN WITH. Do you understand that NatWest? It was not cladding. It was decorative weatherboarding made to the highest safety standards from cement to give the appearance of wood. Like you you can go to B and Q and buy tiles that actually give the appearance of wood, but it's not wood. No it's witchcraft. Its a real thing. It's called Supertech Weatherboard. So because of your incompetence and lack of understanding I had to change banks and have to go through this all again. You really need to keep up to date with housing development if you're going to value them correctly. 

I was assured by my own bank that it was best to apply to them as they have access to your accounts and can see your history and it would be easier to get a mortage with them as I'm self-employed.The onlinerdigidocs system would say it would ask for more information if they required it regarding documents.I was refused a mortage straight away with no one asking me for clarity of documents or if they needed more information..Its a shocking system so wouldn't advise people to use as they don't so what they say they will do.

Starting with the good, I already have one buy to let mortgage with Natwest. The application took about 4-5 weeks. Offer was granted and no issues. The transaction completed all fine.

However, 3 months later I decided to submit another buy to let application for a different property. This time things were bad on all levels. It took them 10 days to key in the application and only did it after I called twice. After 6 agonising weeks, they rejected the application based on affordability because they changed their stress test inbetween applying and decision. They also undervalued the potential rent by £50 a month. They told me to re-apply and add £10,000 to the deposit! Now, I have a lot of experience with other lenders. Most others would just amend the application. Anyway, I re-applied and added £10,000 to the deposit. 3 weeks later they tell me that it has again failed on affordability but this time no explanation given. I was told to seek independent advice. A total of nine weeks wasted. I have been their customer for nearly 20 years. I feel like running away.

Natwest in Bath repeatedly promised to provide a mortgage "everything is fine" then when I rang to actually sort a date after selling my flat, sorting out a solicitor etc they said they didnt do Tenants in Common mortgages. I dont believe they even understood the term.

They had all my information, all digidocs completed, then just no...

The mortgage advisor wont meet with me, the branch manager more or less laughed in my face. I've had an account with Natwest for 50 yrs and I was just dismissed without even an apology for weeks of wasted time.

If I hadn't phoned them I would still bewaiting...

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Been with natwest mortgage since 2017, no issues at all and can't understand the poor reviews here, it's just a mortgage, pay on time you will be fine)

I had to wait 36 minutes for customer services to answer the phone. They clearly don't care about their existing mortgage customers.