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This development allows both existing customers and prospective homebuyers to access tailored mortgage and home-buying guidance directly through the AI platform.

By integrating into the ChatGPT app store, joining platforms including Rightmove and MoneySuperMarket, NatWest enables users to tag the bank in queries to receive specific insights without navigating away from their conversation.

The tool leverages NatWest’s publicly available APIs to perform real-time calculations. By providing basic financial details such as income and expenditure, users can explore borrowing limits, test various deposit scenarios, and view personalised mortgage rates grounded in actual figures.

Crucially, the interface is clearly branded to ensure transparency, so users know exactly when they are receiving official bank guidance. While the AI facilitates early-stage planning and affordability testing, it serves as a bridge to human expertise; users are seamlessly signposted to NatWest’s own channels for specialist advice, colleague support, or to begin a formal digital mortgage application.

Solange Chamberlain, retail CEO, NatWest Group, said: “As technology and AI open up new ways for people to access information and think about their finances, NatWest is focused on meeting customer needs by showing up in the right places at the right time.

“Buying a home is a major financial decision, and we want to support those early mortgage planning conversations wherever they may take place. By bringing trusted NatWest mortgage guidance directly into ChatGPT, we’re giving consumers more choice in how they explore their options in a more personalised and accessible way.”

This integration builds on its recent partnership and integration with Rightmove, that sees Natwest provide home buyers with an instant fully digital NatWest mortgage decision in principle when applying through Rightmove, enabling customers to then complete their full application online.