- Interest rate fixed for life at 4.59% with Natwest
- No advice or brokerage fees to pay
- Optional monthly payments available
- No charges for early repayment
- The plan is designed to last your lifetime
- Includes a free valuation of your home
To find out whether NatWest equity release could be the right option for you, please complete the form below:
NatWest Bank – Organisational & Regulatory Overview
🏢 Corporate Structure & Associated Entities with high open market product standards
| Entity Name | Jurisdiction | Company No. / Reg. | Relationship to NatWest Group |
|---|---|---|---|
| NatWest Group plc | UK (Edinburgh) | plc on LSE & NYSE | Ultimate parent company |
| NatWest Holdings Limited | England | (est. 2016) | Holds retail banks – NatWest, RBS, Ulster Bank, Coutts |
| National Westminster Bank Plc | UK | — | Main retail bank under NatWest, ring-fenced |
| The Royal Bank of Scotland plc | UK | — | Subsidiary under NatWest Holdings |
| Ulster Bank Ltd (NI) & Ulster Bank Ireland DAC | UK / Ireland | — | Retail banking in Northern Ireland & ROI |
| Coutts & Co. | UK | — | Private banking subsidiary |
| Lombard North Central | UK | — | Asset finance arm |
| RBS Invoice Finance | UK | — | Corporate finance subsidiary |
| NatWest Markets plc | UK | Reg. Scotland No 90312 / FCA 121882 | Investment banking arm |
| NatWest Markets N.V. | Netherlands | Company No 33002587 | Dutch branch of NatWest Markets N.V. |
| NatWest Markets Securities Inc. | USA (Connecticut) | FINRA + SIPC registered | US broker-dealer arm |
| NatWest Markets Securities Japan Ltd. | Hong Kong / Tokyo branch | FSA-regulated (Kin-Sho No 202) | Japanese securities arm |
| NatWest Markets Singapore Branch | Singapore | UEN S85FC3595J | MAS-regulated branch |
| NatWest Markets India (Services India Pvt Ltd.) | India | RBI licence MUM:146 (2019) | Indian services unit |
| RBS International Holdings Ltd. | Jersey / Guernsey / Isle of Man / Gibraltar / Luxembourg | — | Offshore retail-institutional banking arm |
🛡️ Regulatory Registrations that apply to releasing equity provisions
| Entity | UK – FCA | UK – PRA | International |
|---|---|---|---|
| National Westminster Bank Plc | Yes (FCA & PRA) | Yes | — |
| NatWest Markets plc | FCA 121882 | PRA authorised | — |
| NatWest Markets N.V. | — | — | Regulated by De Nederlandsche Bank, ECB, AFM |
| NatWest Markets Securities Inc. | — | — | FINRA (broker-dealer), SIPC member |
| NatWest Markets SG Branch | — | — | MAS-regulated |
| NatWest Markets Securities Japan Ltd. | — | — | Kanto Financial Bureau (Kin-Sho No 202) |
| NatWest Markets India | — | — | RBI-regulated |
| RBS International | — | — | Regulated in Jersey, Guernsey, IoM, Gibraltar; EU passporting via Luxembourg office |
🌍 Business Activities (Global)
- Retail banking: current & savings accounts, mortgages, loans, credit cards, debit cards (UK, NI, ROI)
- Private banking: wealth advisory via Coutts and RBS Premier
- Business banking: SME, corporate, commercial
- Asset & invoice finance: Lombard North Central, RBS Invoice Finance
- Investment banking: risk management, debt financing, currencies, structured products (NatWest Markets)
- Stockbroking & securities dealing: United States (broker-dealer), Japan, Netherlands
- Offshore banking: Channel Islands, Isle of Man, Gibraltar (retail & institutional)
- Digital lending: Esme Loans platform (SME focus)
- Mobile branches in rural UK regions
- Merchant acquiring & fintech (Tyl, Mettle, Bó – mostly historic or discontinued)
📬 Contact & Postal Addresses for equity release advice
NatWest Group plc (Parent & Registered Office)
- Registered Office: 36 St Andrew Square, Edinburgh, EH2 2YB, UK – used to assess the value of your home
- NatWest Group website: https://natwestgroup.com who show the types of equity release
- Shareholder & investor queries: via investor centre on site before long term care
National Westminster Bank Plc (Retail UK) who offers the equity release adviser services
- Head Office: 36 St Andrew Square, Edinburgh, EH2 2YB
- Customer support: via https://www.natwest.com, phone (depends on product)
NatWest Markets plc (Investment Banking)
- Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB
- Principal business: 250 Bishopsgate, London EC2M 4AA
NatWest Markets N.V.
- Address: Claude Debussylaan 94, Amsterdam, The Netherlands
NatWest Markets Securities Inc.
- Stamford, Connecticut, USA (FINRA/SIPC regulated)
NatWest Markets Singapore Branch
- Regulated by MAS (UEN S85FC3595J)
NatWest Markets Securities Japan Ltd.
- Tokyo branch; Kin-Sho No 202
NatWest Markets Services India Pvt. Ltd.
- Offices in Gurugram, Chennai, Delhi, Bengaluru, Mumbai
RBS International (Crown Dependencies & Gibraltar)
- Offices in Jersey, Guernsey, Isle of Man, Gibraltar & Luxembourg (passporting)
📞 NatWest Retail Banking (UK Customers)
| Department / Service | Phone Number | Hours (UK time) |
|---|---|---|
| General Customer Enquiries | 03457 888 444 | 24/7 (automated); staff 8am–8pm Mon–Sat |
| Lost or Stolen Cards | 0370 600 0459 | 24/7 |
| International (from abroad) | +44 3457 888 444 | 24/7 |
| Mortgage Support | 0800 092 9585 | Mon–Fri 8am–6pm, Sat 9am–4pm |
| Loans & Overdrafts | 0800 200 400 | Mon–Fri 8am–8pm, Sat 9am–3pm |
| Credit Card Services | 0370 333 9091 | Mon–Fri 8am–8pm, Sat 9am–1pm |
| Bereavement Services | 0800 161 5903 | Mon–Fri 9am–5pm |
💼 NatWest Business Banking industry body
| Business Banking Type | Phone Number | Hours (UK time) |
|---|---|---|
| Small Business Banking | 0345 711 4477 | Mon–Fri 8am–6pm |
| Business Account Opening | 0345 303 0286 | Mon–Fri 9am–5pm |
| Lending and Finance Queries | 0345 711 4477 | Same as above |
| Business Credit Cards | 0370 909 3701 | Mon–Fri 9am–5pm |
🏦 NatWest Private Banking (via Coutts market rate)
| Service Type | Phone Number | Hours |
|---|---|---|
| Coutts Client Services | +44 (0)20 7957 2424 | Mon–Fri 8am–8pm |
| NatWest Premier Banking | 0333 202 3330 | Mon–Fri 9am–5pm |
| Premier 24 Telephone Banking | 03457 888 444 | 24/7 |
📊 NatWest Markets (Investment Banking benefit entitlement)
| Department | Phone Number / Contact | Notes |
|---|---|---|
| Main London Office home reversion plan | +44 (0)20 7678 8000 | 250 Bishopsgate, London EC2M 4AA |
| Amsterdam Office (N.V.) | +31 (0)20 464 3707 | Claude Debussylaan 94, 1082 MD Amsterdam |
| US Institutional Enquiries | Listed via FINRA broker directory | Registered with FINRA / SIPC |
| Japan Office (Tokyo) | Kin-Sho 202 | Regulated by JFSA |
| Singapore Office | UEN S85FC3595J | Regulated by MAS |
| India Office (Services) | Contact via HR/Corporate | Locations in Mumbai, Chennai, Bengaluru |
🌍 International / Offshore Banking (RBS International) including for NatWest Equity Release
| Region | Phone Number / Contact |
|---|---|
| Jersey Natwest equity release | +44 (0)1534 282300 |
| Guernsey equity release adviser | +44 (0)1481 703800 |
| Isle of Man equity release calculator | +44 (0)1624 637000 |
| Gibraltar lifetime mortgage | +350 200 77737 |
| Luxembourg (Institutional) cash lump sum | Contact via NatWest International site |
Other things to consider:
- The types of equity release that use the value of your home that avoid negative equity
- Your loved ones provisions for long term care after the tax free cash is spent
- Get the right legal advice and understanding of the terms and conditions before you take out equity release
- Look for a product with no advice fee, controlled by the Equity Release Council and the Financial Conduct Authority
- Always consider the amount you owe will grow over time buy your property value should go up
Can I use equity release to pay for care? You can use equity release to pay for in-home care, adaptations to your home like a walk-in shower, care home fees or any other care
To apply for our lifetime mortgage you need to: Be aged 55 or over (for joint applications, you both need to be over 55) and own a UK home.