Does NatWest Offer Equity Release?
NatWest does not offer equity release or lifetime mortgages.
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What happens next
- Fill in the form (2 minutes).
- We'll match you with the right specialist for your situation.
- A specialist independent broker will contact you to discuss your options.
Important: Equity release is a long-term commitment and will reduce the value of your estate. It may affect entitlement to means-tested benefits. Independent financial and legal advice is required. The specialist brokers we work with source plans from Equity Release Council approved lenders. Your home may be repossessed if you do not maintain required payments on a secured loan.
About Does NatWest Offer Equity Release
If you are a NatWest customer looking for equity release, you need a specialist independent broker. We introduce you to equity release specialists who are qualified to advise you and who work with Equity Release Council approved lenders.
The options available
NatWest Does Not Offer Equity Release
NatWest is a mainstream bank focused on standard mortgages, savings, and current accounts. They do not have the specialist equity release products or qualified advisers required by the FCA and ERC for lifetime mortgage advice.
NatWest Mortgage Alternatives
NatWest does offer standard mortgages to older borrowers in some cases - including terms extending into retirement. But for equity release (no monthly payments, capital from property sale), specialist lenders are required.
Aviva Equity Release
Aviva - 25+ years in equity release, award-winning customer service, £11.9bn released. A trusted alternative to the NatWest brand for customers seeking financial institution credibility.
Legal & General Home Finance
L&G won Best Provider at the 2026 Equity Release Awards. Both lifetime mortgage and RIO products.
Just, Canada Life, More2Life
Three further ERC-approved lenders a specialist adviser can consider for your circumstances.
Independent Specialist Introductions
We introduce you to equity release specialists who can compare ERC-approved plans and recommend the right one for your age, property, health, and what you need the money for.
How It Works
Free consultation
We cover what NatWest cannot - introductions to equity release specialists who are qualified to advise you.
Specialist comparison
The specialist compares major ERC-approved providers.
KFI and legal advice
Standardised Key Facts Illustration. Independent solicitor required.
Completion
Typically 4-8 weeks.
Speak to our later life lending specialists
Call 0204 6211776 · Introductions to later life lending specialists
Frequently asked questions
Does NatWest do equity release?
No - NatWest does not offer equity release or lifetime mortgages. NatWest customers seeking equity release need an independent introduction service. We introduce you to equity release specialists who are qualified to advise you.
Does Coutts (NatWest Private) offer equity release?
Coutts, as part of NatWest Group, does not offer equity release in the conventional ERC-approved sense. Coutts offers bespoke private banking finance for high-net-worth clients - but this is not the same as a lifetime mortgage or equity release plan. For equity release, specialist providers are the appropriate route regardless of whether you bank with Coutts.
I have a NatWest mortgage - can I still get equity release?
Yes - equity release can be used to repay an existing NatWest mortgage. The equity release lender pays off NatWest at completion. If there is remaining equity release, the surplus is available to you.
Can NatWest extend my existing mortgage into retirement?
NatWest does assess some mortgage extensions for older borrowers. However, their maximum end-of-term age is typically 70, which limits options for 60s borrowers. Specialist later life lenders including LiveMore Capital, Hodge, and Family Building Society extend significantly further.
Why doesn't NatWest offer equity release?
Lifetime mortgage and equity release advice requires specific FCA permissions, qualified advisers with specialist equity release qualifications, and a specialist product infrastructure. Many mainstream banks choose not to build this capability and instead refer customers to specialist brokers.