Users' questions

Do NatWest hold deeds?

Do NatWest hold deeds?

Angela Brown‎NatWest Natwest have held the deeds as security and put a charge on the deeds to his various properties. In October 2016, he cleared his loans and over drafts and asked for his deeds to be returned.

How do I get my mortgage statement from NatWest?

To order a statement for your mortgage account please contact our Mortgage Team via online chat on our Manage Your Mortgage (opens in a new window) page, who will be happy to help you.

What is a standard mortgage deed?

The Mortgage Deed is the document that states that you and the lender have agreed to use the property as a security to protect the mortgage. The Deed contains information on the conditions of the mortgage, repayment schedule, length of the mortgage, mortgage rates, type of mortgage and security for the mortgage.

What is a NatWest one account?

Your NatWest One account is a personal current account with The Royal Bank of Scotland plc and is secured against your home. Your account will be administered by The One account Ltd, which is a member of The Royal Bank of Scotland Group plc.

What happens to deeds when mortgage paid off?

When you pay off your mortgage you might be required to pay the mortgagee (the lender) a final fee to cover administration and the return of your deeds). At this time your deeds will be sent to you for safekeeping. You can either keep them safe or ask your bank or solicitors to hold them for you.

Can I see my Natwest mortgage statement online?

Yes, once your mortgage has completed you can go online and sign in to view your mortgage information. To log in you’ll need your mortgage account number, surname, date of birth and mortgaged property postcode.

How can I get my mortgage statement?

If your bank or lending institution offers this feature, it should be easy to find your mortgage statement on their online menu. For a bank mortgage, when you log into your account, there should be a “view my statement” button or a designated section on the bank’s homepage.

Who has my mortgage deed?

The title deeds to a property with a mortgage are usually kept by the mortgage lender. They will only be given to you once the mortgage has been paid in full. But, you can request copies of the deeds at any time.

Can you be on a mortgage but not the deed UK?

Legally, at least one borrower must be on the title deed to qualify for a mortgage loan. However, mortgage borrowers that are not on the title deed become guarantors, not co-borrowers.

What is a mortgage account?

A Mortgage Reserve is a secured overdraft facility on a Mortgage Current Account, where you borrow against the equity in your home. The Mortgage Current Account operates like a normal current account. You can make payments to reduce the capital amount outstanding on your Mortgage Reserve at any time.

Do offset mortgages still exist?

However, offset mortgages appear to be making a comeback, with some brokers reporting increasing demand. They link your savings to your home loan, so a savings balance is used to reduce – or offset – the interest you pay on your mortgage.