You have a mortgage with someone else and want to find out about remortgaging with us. A first time buyer. You want to buy your first ever home to live in.
You already own your home, but want to buy a new one. Planning to remortgage. Do you want to Get a personalised quote. If, however, you want to borrow more, please get in touch. Call us on Relay UK: Log in. Quick quote.
Get quote. Get a quick quote. Get an idea of what mortgages we could offer you, by answering a few questions. Get started. Look for a new buy to let mortgage. Get an Agreement in Principle. Alternatively, get an idea of what mortgages we could offer you, by answering a few questions.
Get an idea of what mortgages we could offer you by answering a few questions. Get in touch. You can get in touch over the phone or visit us in branch. Get a new mortgage. You are looking at getting a brand new mortgage with us for your new home.
Take your mortgage deal with you. Find out more. What next Personalised quote. Finally, what would you like to do Get a personalised quote on the options that you have selected. Find out how much you could borrow and see the monthly costs. See the mortgage rates we may be able to offer you. Change my deal. Change my deal and borrow more. Please get in touch over the phone or visit us in branch.
Call us on: Relay UK: Mortgage calculator. Find out how much you could borrow and what it could cost. What you've told us so far Property price. Value of current property This is the amount that you expect your property to be worth. Based on your last valuation.
Amount you still owe You'll be able to find this out from your last mortgage statement. Repayment type There are two different ways you can repay your mortgage: capital and interest or interest only.
Please select Interest Capital and Interest. Mortgage term yy No. Mortgage term mm No. Planning to borrow more? Capital and interest. Interest only. Please tell us a bit about yourself and anyone else who is applying. How many people are applying? Your details. Your annual income If you're self employed, please enter the average of your annual gross earnings over the past two years.
This is income before tax and National Insurance deductions. Don't include overtime or any bonuses that aren't guaranteed. Do you personally have any other sources of income? Annual amount before tax. Do you have any loans? These are any unsecured loans, like a loan to buy a car or holiday. Monthly loan repayments. Do you have any credit cards? Credit card balance after your last repayment. Do you have any other monthly committed expenditure?
Borrowing power calculator. Calculate how much you can borrow to buy a new home. Ready to get started?
Book an appointment with your NAB banker to discuss your options. Book an appointment. Request a callback. Looking for another tool or calculator? What will my repayments be? You are more likely to get a better interest rate by comparing terms offered by multiple lenders, and it might be illuminating to see the loan amounts different lenders will qualify you for.
Consider all homeownership expenses. Lenders consider several factors in determining the amount you qualify for, including:. Your debt-to-income ratio. Your loan-to-value ratio. This ratio is a function of the amount of money you put down.
Your credit score. Small improvements in one or more can make a substantial difference:. A bigger down payment always helps. Be a tactical buyer. Reduce debt; even a little. Paying off — or down — a credit card or two can help in several ways. Your debt-to-income ratio will go down and you may even get a nice bump in your credit score.
How to calculate your mortgage qualification. Enter your ZIP code to get started on a personalized lender match. ZIP code Get my lender match. Get a rough idea of how much you could borrow for a residential mortgage based on your personal circumstances.
Change the deposit you can provide or the amount you want to borrow to see how that affects your result. Get Defaqto 5 Star-rated buildings and contents cover by answering just a few simple questions. You could consider taking out life, or life and critical illness insurance alongside your mortgage.
These covers are designed to offer some financial protection against the unexpected. Your loved ones would receive a lump-sum payment if you died and, depending on your cover, could receive a lump sum if you were diagnosed with a critical illness, which could help repay your mortgage.
Call us 1 any time — lines may be closed at off-peak times on bank holidays and during Christmas. You can also check our full mortgage range [PDF, KB] to see if our other mortgages are suitable for you, download our tariff of mortgage charges [PDF, KB] and read our legal information.
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