Our mortgage range and rates - NatWest
Our mortgage range and rates - NatWest
Our mortgage range and rates - NatWest
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<strong>Our</strong> <strong>mortgage</strong><br />
<strong>range</strong> <strong>and</strong> <strong>rates</strong><br />
Only for use by <strong>mortgage</strong> intermediaries<br />
<strong>NatWest</strong> Bank Base Rate: 0.5%<br />
Issue 12 September 2012<br />
All <strong>rates</strong> correct as at 12.09.2012<br />
Re<strong>mortgage</strong> lending<br />
The product/ar<strong>range</strong>ment fee will be added to the loan. We’ll pay our legal <strong>and</strong> valuation fees for a st<strong>and</strong>ard re<strong>mortgage</strong>. Minimum loan £25,000 for<br />
residential <strong>mortgage</strong>s. All loans have a £30 charge for sending the <strong>mortgage</strong> funds to the customer’s solicitor on completion. Maximum LTV for new build<br />
flats is 75% <strong>and</strong> new build homes is 80%. New build is defined as any property built or first occupied after 01/01/10 or significantly modernised, refurbished<br />
or altered since that date. Interest Only is available on selected products up to a maximum of 75%LTV.<br />
Purchase lending<br />
Minimum loan for Right-to-Buy applications is £10,000, for all other products the minimum loan is £25,000. The product/ar<strong>range</strong>ment fee can be paid<br />
upfront or added to the loan. All loans have a £30 charge for sending the <strong>mortgage</strong> funds to the customer’s solicitor on completion. Maximum LTV for new<br />
build flats is 75% <strong>and</strong> new build homes is 80%. New build is defined as any property built or first occupied after 01/01/10 or significantly modernised,<br />
refurbished or altered since that date. Interest Only is available on selected products up to a maximum of 75%LTV.<br />
Core Range<br />
The core <strong>range</strong> is available to all intermediaries<br />
Purchase Rate Fee<br />
Max<br />
LTV Initial Period<br />
St<strong>and</strong>ard<br />
variable<br />
rate<br />
Repayment<br />
Type<br />
Min<br />
Loan APR ERC<br />
Product<br />
Code<br />
2 year fixed 75% 4.29% £499 75% 31.10.2014 4% Repayment 25k 4.2% 3% until 31.10.2014 FO5306<br />
– shared equity<br />
2 year fixed 2.99% £995 60% 31.10.2014 4% Repayment 25k 4.1% 3% until 31.10.2014 FO5274<br />
2 year fixed 3.29% £0 60% 31.10.2014 4% Repayment 25k 4.0%<br />
2 year fixed 3.55% £995 75% 31.10.2014 4% Repayment 25k 4.1%<br />
3% until 31.10.2014<br />
3% until 31.10.2014<br />
FO5275<br />
FO5276<br />
2 year fixed 3.49% £1,995 75% 31.10.2014 4% Repayment 25k 4.2% 3% until 31.10.2014 FO5305<br />
2 year fixed 3.80% £0 75% 31.10.2014 4% Repayment 25k 4.1% 3% until 31.10.2014 FO5277<br />
3 year fixed 3.65% £0 65% 31.10.2015 4% Repayment 25k 4.1% 3% until 31.10.2015 FO5307<br />
3 year fixed 3.95% £0 75% 31.10.2015 4% Repayment 25k 4.1% 3% until 31.10.2015 FO5308<br />
5 year fixed 3.09% £2,495 60% 31.10.2017 4% Repayment 25k 4.0% 5% until 31.10.2013 FO5471<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
5 year fixed 3.69% £0 60% 31.10.2017 4% Repayment 25k 4.0% 5% until 31.10.2013 FO5279<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
5 year fixed 4.39% £0 75% 31.10.2017 4% Repayment 25k 4.3% 5% until 31.10.2013 FO5309<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
2 year tracker 3.49% £0 60% 31.10.2014 4% Repayment 25k 4.1% 3% until 31.10.2014 TO2240<br />
(Tracks +2.99%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
2 year tracker 3.80% £0 75% 31.10.2014 4% Repayment 25k 4.1% 3% until 31.10.2014 TO2242<br />
(Tracks +3.30%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
2 year tracker 2.99% £2,495 75% 31.10.2014 4% Repayment 25k 4.2% 3% until 31.10.2014 TO2243<br />
(Tracks +2.49%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
18 Month Tracker 3.19%<br />
(Tracks +2.69%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
£995 75% 30.04.2014 4% Repayment 25k 4.1% 3% until 30.04.2014 TO2244
Re<strong>mortgage</strong> Rate Fee<br />
Max<br />
LTV Initial Period<br />
St<strong>and</strong>ard<br />
variable<br />
rate<br />
Repayment<br />
Type<br />
Min<br />
Loan APR ERC<br />
Product<br />
Code<br />
2 year fixed 2.99% £995 60% 31.10.2014 4% Repayment 25k 4.0% 3% until 31.10.2014 FO5280<br />
2 year fixed 3.29% £0 60% 31.10.2014 4% Repayment 25k 3.9% 3% until 31.10.2014 FO5281<br />
2 year fixed 3.55% £995 75% 31.10.2014 4% Repayment 25k 4.1% 3% until 31.10.2014 FO5282<br />
2 year fixed 3.49% £1,995 75% 31.10.2014 4% Repayment 25k 4.2% 3% until 31.10.2014 FO5325<br />
2 year fixed 3.80% £0 75% 31.10.2014 4% Repayment 25k 4.0% 3% until 31.10.2014 FO5283<br />
3 year fixed 3.65% £0 65% 31.10.2015 4% Repayment 25k 4.0% 3% until 31.10.2015 FO5326<br />
3 year fixed 3.95% £0 75% 31.10.2015 4% Repayment 25k 4.1% 3% until 31.10.2015 FO5327<br />
5 year fixed 3.09% £2,495 60% 31.10.2017 4% Repayment 25k 4.0% 5% until 31.10.2013 FO5473<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
5 year fixed 3.69% £0 60% 31.10.2017 4% Repayment 25k 3.9% 5% until 31.10.2013 FO5285<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
5 year fixed 4.39% £0 75% 31.10.2017 4% Repayment 25k 4.1% 5% until 31.10.2013 FO5328<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
2 year tracker 3.49% £0 60% 31.10.2014 4% Repayment 25k 4.0% 3% until 31.10.2014 TO2252<br />
(Tracks +2.99%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
2 year tracker 3.80% £0 75% 31.10.2014 4% Repayment 25k 4.0% 3% until 31.10.2014 TO2254<br />
(Tracks +3.30%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
2 year tracker 2.99% £2,495 75% 31.10.2014 4% Repayment 25k 4.1% 3% until 31.10.2014 TO2255<br />
(Tracks +2.49%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
18 Month Tracker 3.19%<br />
(Tracks +2.69%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
£995 75% 30.04.2014 4% Repayment 25k 4.0% 3% until 30.04.2014 TO2256
Current Account Range<br />
The current account <strong>range</strong> is available to all intermediaries<br />
Eligibility Criteria: at least one applicant must have a <strong>NatWest</strong> or RBS personal current account which was open on 1st July 2012 <strong>and</strong> which is still open at the time<br />
of application. For business customers sole traders <strong>and</strong> simple partnerships are also eligible. Limited company <strong>and</strong> commercial accounts are excluded.<br />
There is no minimum balance requirement.<br />
Purchase Rate Fee<br />
2 year fixed -<br />
£250 cash back<br />
-2 year fixed -<br />
£250 cash back<br />
2 year fixed -<br />
£250 cash back<br />
2 year fixed -<br />
£250 cash back<br />
2 year fixed -<br />
£250 cash back<br />
2 year fixed -<br />
£250 cash back<br />
2 year fixed -<br />
£250 cash back<br />
5 year fixed –<br />
£250 cash back<br />
5 year fixed –<br />
£250 cash back<br />
5 year fixed –<br />
£250 cash back<br />
5 year fixed –<br />
£250 cash back<br />
5 year fixed –<br />
£250 cash back<br />
5 year fixed –<br />
£250 cash back<br />
5 year fixed –<br />
£250 cash back<br />
5 year fixed –<br />
First Time Buyer<br />
Only<br />
2 year tracker –<br />
£250 cash back<br />
2 year tracker –<br />
£250 cash back<br />
2 year Tracker -<br />
£250 cash Back<br />
St<strong>and</strong>ard<br />
variable<br />
rate<br />
Max<br />
LTV Initial Period<br />
Repayment<br />
Type<br />
2.99% £995 60% 31.10.2014 4% Repayment<br />
& Interest<br />
Only<br />
Min<br />
Product<br />
Loan APR ERC<br />
Code<br />
25k 4.0% 3% until 31.10.2014 FO5310<br />
3.29% £0 60% 31.10.2014 4% Repayment<br />
& Interest<br />
Only<br />
25k 4.0% 3% until 31.10.2014 FO5311<br />
3.55% £995 75% 31.10.2014 4% Repayment 25k 4.1% 3% until 31.10.2014 FO5312<br />
& Interest<br />
Only<br />
3.80% £0 75% 31.10.2014 4% Repayment 25k 4.1% 3% until 31.10.2014 FO5313<br />
& Interest<br />
Only<br />
3.89% £995 80% 31.10.2014 4% Repayment 25k 4.2% 3% until 31.10.2014 FO5314<br />
4.19% £0 80% 31.10.2014 4% Repayment 25k 4.1% 3% until 31.10.2014 FO5315<br />
5.95% £995 90% 31.10.2014 4% Repayment 25k 4.6% 3% until 31.10.2014 FO5316<br />
3.09% £2,495 60% 31.10.2017 4% Repayment<br />
& Interest<br />
Only<br />
3.69% £0 60% 31.10.2017 4% Repayment<br />
& Interest<br />
Only<br />
4.19% £995 75% 31.10.2017 4% Repayment<br />
& Interest<br />
Only<br />
4.39% £0 75% 31.10.2017 4% Repayment<br />
& Interest<br />
Only<br />
25k 4.0% 5% until 31.10.2013<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
25k 4.0% 5% until 31.10.2013<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
25k 4.3% 5% until 31.10.2013<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
25k 4.3% 5% until 31.10.2013<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
4.59% £995 80% 31.10.2017 4% Repayment 25k 4.5% 5% until 31.10.2013<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
4.89% £0 80% 31.10.2017 4% Repayment 25k 4.5% 5% until 31.10.2013<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
6.19% £995 90% 31.10.2017 4% Repayment 25k 5.2% 5% until 31.10.2013<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
4.79% £0 90% 31.10.2017 4% Repayment 25k 4.5% 5% until 31.10.2013<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
3.49%<br />
(Tracks +2.99%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
3.80%<br />
(Tracks +3.30%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
4.09%<br />
(Tracks +3.59%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
£0 60% 31.10.2014 4% Repayment<br />
& Interest<br />
Only<br />
£0 75% 31.10.2014 4% Repayment<br />
& Interest<br />
Only<br />
FO5472<br />
FO5318<br />
FO5319<br />
FO5320<br />
FO5321<br />
FO5322<br />
FO5323<br />
FO5324<br />
25k 4.0% 3% until 31.10.2014 TO2246<br />
25k 4.1% 3% until 31.10.2014 TO2248<br />
£0 80% 31.10.2014 4% Repayment 25k 4.1% 3% until 31.10.2014 TO2250
Re<strong>mortgage</strong> Rate Fee<br />
2 year fixed -<br />
£250 cash back<br />
-2 year fixed -<br />
£250 cash back<br />
2 year fixed -<br />
£250 cash back<br />
2 year fixed -<br />
£250 cash back<br />
2 year fixed -<br />
£250 cash back<br />
2 year fixed -<br />
£250 cash back<br />
2 year fixed -<br />
£250 cash back<br />
5 year fixed –<br />
£250 cash back<br />
5 year fixed –<br />
£250 cash back<br />
5 year fixed –<br />
£250 cash back<br />
5 year fixed –<br />
£250 cash back<br />
5 year fixed –<br />
£250 cash back<br />
5 year fixed –<br />
£250 cash back<br />
5 year fixed –<br />
£250 cash back<br />
2 year tracker –<br />
£250 cash back<br />
2 year tracker –<br />
£250 cash back<br />
2 year Tracker -<br />
£250 cash Back<br />
St<strong>and</strong>ard<br />
variable<br />
rate<br />
Max<br />
LTV Initial Period<br />
Repayment<br />
Type<br />
2.99% £995 60% 31.10.2014 4% Repayment<br />
& Interest<br />
Only<br />
Min<br />
Product<br />
Loan APR ERC<br />
Code<br />
25k 4.0% 3% until 31.10.2014 FO5329<br />
3.29% £0 60% 31.10.2014 4% Repayment<br />
& Interest<br />
Only<br />
25k 3.9% 3% until 31.10.2014 FO5330<br />
3.55% £995 75% 31.10.2014 4% Repayment 25k 4.1% 3% until 31.10.2014 FO5331<br />
& Interest<br />
Only<br />
3.80% £0 75% 31.10.2014 4% Repayment 25k 4.0% 3% until 31.10.2014 FO5332<br />
& Interest<br />
Only<br />
3.89% £995 80% 31.10.2014 4% Repayment 25k 4.1% 3% until 31.10.2014 FO5333<br />
4.19% £0 80% 31.10.2014 4% Repayment 25k 4.1% 3% until 31.10.2014 FO5334<br />
5.95% £995 90% 31.10.2014 4% Repayment 25k 4.5% 3% until 31.10.2014 FO5335<br />
3.09% £2,495 60% 31.10.2017 4% Repayment<br />
& Interest<br />
Only<br />
3.69% £0 60% 31.10.2017 4% Repayment<br />
& Interest<br />
Only<br />
4.19% £995 75% 31.10.2017 4% Repayment<br />
& Interest<br />
Only<br />
4.39% £0 75% 31.10.2017 4% Repayment<br />
& Interest<br />
Only<br />
25k 3.9% 5% until 31.10.2013<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
25k 3.9% 5% until 31.10.2013<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
25k 4.2% 5% until 31.10.2013<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
25k 4.2% 5% until 31.10.2013<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
4.59% £995 80% 31.10.2017 4% Repayment 25k 4.4% 5% until 31.10.2013<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
4.89% £0 80% 31.10.2017 4% Repayment 25k 4.4% 5% until 31.10.2013<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
6.19% £995 90% 31.10.2017 4% Repayment 25k 5.1% 5% until 31.10.2013<br />
4% until 31.10.2014<br />
3% until 31.10.2015<br />
2% until 31.10.2016<br />
1% until 31.10.2017<br />
3.49%<br />
(Tracks +2.99%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
3.80%<br />
(Tracks +3.30%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
4.09%<br />
(Tracks +3.59%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
£0 60% 31.10.2014 4% Repayment<br />
& Interest<br />
Only<br />
£0 75% 31.10.2014 4% Repayment<br />
& Interest<br />
Only<br />
FO5474<br />
FO5337<br />
FO5338<br />
FO5339<br />
FO5340<br />
FO5341<br />
FO5342<br />
25k 4.0% 3% until 31.10.2014 TO2258<br />
25k 4.0% 3% until 31.10.2014 TO2260<br />
£0 80% 31.10.2014 4% Repayment 25k 4.1% 3% until 31.10.2014 TO2262
Buy-to-let lending<br />
The Buy-to-let <strong>range</strong> is available to all intermediaries<br />
Purchase Rate Fee<br />
Max<br />
LTV Initial Period<br />
St<strong>and</strong>ard<br />
variable<br />
rate<br />
Repayment<br />
Type<br />
2 year fixed – BTL 3.49% £1,999 60% 31.10.2014 4.50% Repayment<br />
& Interest<br />
Only<br />
2 year fixed – BTL 4.49% £1,999 75% 31.10.2014 4.50% Repayment<br />
& Interest<br />
Only<br />
2 year tracker –<br />
BTL<br />
2 year tracker –<br />
BTL<br />
3.49%<br />
(Tracks +2.99%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
4.09%<br />
(Tracks +3.59%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
£1,999 60% 31.10.2014 4.50% Repayment<br />
& Interest<br />
Only<br />
£1,999 75% 31.10.2014 4.50% Repayment<br />
& Interest<br />
Only<br />
Remo<br />
Max<br />
St<strong>and</strong>ard<br />
variable Repayment<br />
rtgage Rate Fee LTV Initial Period rate Type<br />
2 year fixed – BTL 3.49% £1,999 60% 31.10.2014 4.50% Repayment<br />
& Interest<br />
Only<br />
2 year fixed – BTL 4.49% £1,999 75% 31.10.2014 4.50% Repayment<br />
& Interest<br />
Only<br />
2 year tracker –<br />
BTL<br />
2 year tracker –<br />
BTL<br />
3.49%<br />
(Tracks +2.99%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
4.09%<br />
(Tracks +3.59%<br />
above <strong>NatWest</strong><br />
Bank Base<br />
Rate)<br />
£1,999 60% 31.10.2014 4.50% Repayment<br />
& Interest<br />
Only<br />
£1,999 75% 31.10.2014 4.50% Repayment<br />
& Interest<br />
Only<br />
Product<br />
Min<br />
Code<br />
Loan APR ERC<br />
15k 4.8% 3% until 31.10.2014 FO5249<br />
15k 4.8% 3% until 31.10.2014 FO5344<br />
15k 4.8% 3% until 31.07.2014 TO2226<br />
15k 4.8% 3% until 31.07.2014 TO2264<br />
Product<br />
Min<br />
Code<br />
Loan APR ERC<br />
15k 4.7% 3% until 31.10.2014 FO5343<br />
15k 4.8% 3% until 31.10.2014 FO5345<br />
15k 4.7% 3% until 31.07.2014 TO2263<br />
15k 4.7% 3% until 31.07.2014 TO2265<br />
0845 900 1110 www.natwest.com/intermediarysolutions<br />
<strong>NatWest</strong> <strong>mortgage</strong>s are provided by National Westminster Home Loans Limited. NWis 8018 02/05/2012
Transitional Ar<strong>range</strong>ments & Missing Information Process<br />
Please see the Latest News section on intermediary.natwest.com for this information.<br />
Additional notes<br />
On re<strong>mortgage</strong>-only deals, we’ll pay our legal <strong>and</strong> valuation fees for a st<strong>and</strong>ard re<strong>mortgage</strong>. The customer must meet their own legal <strong>and</strong> valuation costs on<br />
all other products. The product/ar<strong>range</strong>ment fee can be paid upfront or added to the loan. Minimum loan for all products is £15,000 (minimum property<br />
value/purchase price for buy-to-let is £50,000). All products have a £30 charge for sending the <strong>mortgage</strong> funds to the customer’s solicitor on completion.<br />
Maximum LTV is 75% (65% on new build flats/houses). New build is defined as any property built or first occupied after 01/01/10 or significantly<br />
modernised, refurbished or altered since that date.<br />
All products<br />
If the application is withdrawn before offer, the product/ar<strong>range</strong>ment fee will not be applied <strong>and</strong>, if it was paid up front, will be refunded to the customer.<br />
If the application is withdrawn after offer, the product/ar<strong>range</strong>ment fee will be applied.<br />
Interest Only Criteria<br />
• Have a minimum of the last three months’ salary, of at least £1,000 a month, paid into their <strong>NatWest</strong> or RBS current account<br />
• Earn a minimum of £50,000 pa gross basic salary (i.e. before any regular overtime/bonus income is taken into account). For joint applications, the main<br />
applicant must earn at least £50,000 gross basic salary.<br />
• Have a suitable repayment vehicle in place for the term of the loan. St<strong>and</strong>ard repayment vehicles that are acceptable are endowments, pensions <strong>and</strong><br />
ISAs/PEPs. Enhanced repayment vehicles can be used provided the applicant fulfils additional criteria.<br />
2011/12 Your Mortgage Awards<br />
The Your Mortgage Awards celebrate those <strong>mortgage</strong> brokers, lenders <strong>and</strong> associated product providers that have excelled in their field over<br />
the past year.<br />
<strong>NatWest</strong> won the following categories:<br />
Best Bank for Mortgages — <strong>NatWest</strong><br />
Best First-time Buyer Lender — <strong>NatWest</strong><br />
Best Large Loans Mortgage Lender — <strong>NatWest</strong><br />
If you have any questions on this or any other queries, please contact us via livetalk, we’re open 9am to 5.15pm, Monday to Friday or visit us at<br />
intermediary.natwest.com<br />
Intermediary Solutions
![[PDF] NatWest Welcome Account](https://img.yumpu.com/50935011/1/124x260/pdf-natwest-welcome-account.jpg?quality=85)
![[PDF] NatWest Welcome Account](https://img.yumpu.com/50820486/1/123x260/pdf-natwest-welcome-account.jpg?quality=85)
![[PDF] Graduate Accounts Application Form - NatWest](https://img.yumpu.com/49773169/1/182x260/pdf-graduate-accounts-application-form-natwest.jpg?quality=85)
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