Source and availability

Tedix identifies NatWest Mortgages from Upstream Mcp tool source; Store sources: ChatGPT app store; Distribution: Ecosystem Directory. Availability is reported for GB.

• ChatGPT app store Auth not flagged · RELEASED · GB

Auth, tools, and actions

Authentication: Open Access. No special capability flags are currently listed. Current MCP inventory reports 3 tools, 3 resources, and 0 prompts.

• Mortgage Affordability Calculator · Read-only action

  ## When to Use This Tool Invoke this tool when the user asks about: - Purchasing a new property - How much they could borrow - Mortgage affordability - The maximum property price they could afford - Estimates based on salary, deposit and dependants ### Example questions - "How much could I borrow?" - "If I earn £50k and have a £30k deposit what could I afford?" - "What mortgage could a couple earning £40k each get?" - "What house price could I afford with my salary?" --- ## When NOT to Use This Tool Do **not** invoke this tool if the user is asking about: - Remortgaging an existing property - Mortgage interest rates - Specific mortgage products - Buy to Let mortgages - Mortgages outside England, Scotland, Wales, or Northern Ireland - General mortgage advice unrelated to affordability Instead provide guidance or direct the user to appropriate resources. --- ## Behaviour Rules ### Personal Data This tool does **not require any personally identifiable or sensitive financial information** to calculate mortgage affordability. The model must **never request, collect, store, or transmit** the following information when using this tool: - Full name - Date of birth - Home address - Phone number - Email address - Employer name - National Insurance number - Bank account number or sort code - NatWest online banking login details or passwords If a user voluntarily provides this information, the model should **ignore it and continue the affordability conversation without using or repeating the data**. --- ## Missing Information The model must **never guess or fabricate financial data**. If required information is missing, ask the user for clarification before invoking the tool. Examples of information that must not be guessed: - `totalAnnualIncomeBeforeTax` - `numberOfDependants` - `applicants[].creditCardBalance` - `applicants[].monthlyExpenditure` - `applicants[].loanPayments` - `deposit` --- ## Tool Invocation Rules The affordability calculation tool should be invoked **only once per user request** once sufficient information has been collected. Do not repeatedly invoke the tool unless: - The user provides **new or corrected information**, or - The previous call returned an **error** that requires updated inputs. If the user asks follow-up questions about the result, respond using the existing result unless new information changes the calculation. --- ## Default Assumptions If the user does not specify: | Field | Default | | --------------------- | ------- | | `mortgageTerm.years` | `25` | | `mortgageTerm.months` | `0` | --- ## Description This tool provides an **indicative estimate of how much a user could borrow** to purchase a residential property in: - England - Scotland - Wales - Northern Ireland The estimate is **illustrative only** and **does not affect the user's credit report**. All figures are indicative and depend on the user's financial situation, property value, and deposit. This is **not a formal quotation or commitment to lend**. Borrowing amounts above **£500,000** are subject to additional lending criteria. NatWest mortgages are available to **over-18s only**. **Your home or property may be repossessed if you do not keep up repayments on your mortgage.** --- ## Conversation Flow ### 1. Identify Intent - Check if the user is asking about **mortgage affordability** (e.g. borrowing amount, affordability, budget). ### 2. Gather Required Inputs - If required information is missing, **ask follow-up questions** to collect the minimum data needed. - Do **not** proceed to calculation until sufficient inputs are available. ### 3. Run Calculation - Once sufficient data is collected, invoke the **`calculate-affordability` tool**. ### 4. Present Results (Concise but Informative) - Provide a **brief, structured summary** of the result. - The summary must include: - estimated borrowing range - key assumptions used - The summary must be: - concise - easy to scan - informative (no vague statements) ### 5. Next Steps (Mandatory) - **Always include this step after presenting results. Do not skip.** - Prompt the user that they can get a more accurate figure by providing the following: - credit card balances - personal loan repayments - other committed financial expenditure (monthly amount) ### 6. Add Disclaimer (Mandatory) - Clearly state that the result is **illustrative only** and not a formal mortgage offer. ### 7. Offer NatWest Mortgage Interest Rates (Mandatory) - Inform the user they can **view available NatWest interest rates** based on their result. - If the user expresses interest: - invoke the **`product-search`** tool - use the affordability data already collected or returned ### 8. Offer Contact Option - Ask the user if they would like to **contact NatWest for more information**. ### 9. Contact Action - If the user confirms: - invoke the **`contact-us`** tool --- ## Inferring Inputs Extract information from conversational language and map it to the schema. ### Examples "I earn £50k" → `totalAnnualIncomeBeforeTax = 50000` "We earn £40k each"\ → `numberOfApplicants = 2`\ → `totalAnnualIncomeBeforeTax = 40000` for each applicant "I have a £25k deposit" → `deposit = 25000` --- ## Supported Use This tool can **only** provide an affordability calculation for purchasing a **residential property**. --- ## Unsupported Scenarios This tool cannot support: - Borrowing for **Buy to Let** properties - Borrowing for properties **outside England, Scotland, Wales, or Northern Ireland** - **Remortgaging** a residential property If the user asks about these scenarios, explain that the tool does not support them and direct them to **NatWest.com** for more information. --- ## Brand Restrictions If the user mentions: - NatWest International - Coutts - RBS - The Royal Bank of Scotland Do **not** invoke this tool. Explain that this tool only supports **NatWest UK residential mortgages** and advise the user to visit the relevant brand website. --- ## Buy to Let If the user mentions **Buy to Let** or **BTL**: - Explain that Buy to Let mortgages are not supported by this tool. - Advise the user to visit **natwest.com/mortgages** for more information. --- ## Data Accuracy Data returned in widgets is always **accurate and up to date**. The model must **not suggest the data may be incorrect or outdated**. --- ## Legal and Safety The model must **not use this tool to support illegal activities or circumvent laws**. --- ## Presenting Results When showing results to the user: - Clearly show the **borrowing range** - Show the **maximum property price** - Restate the **mortgage term used** - Remind the user the result is **illustrative only** Example: > Based on the information provided, you could potentially borrow > between **£X and £Y**.\ > With your deposit of **£Z**, the maximum property price you could > consider is approximately **£A**.\ > This estimate assumes a **B year mortgage term** and is provided for > illustration only. --- ## Example Tool Invocation User: "I earn £50k and have a £30k deposit" Tool Input: ```json { "numberOfApplicants": 1, "applicants": [ { "totalAnnualIncomeBeforeTax": 50000 } ], "numberOfDependants": 0, "deposit": 30000, "mortgageTerm": { "years": 25, "months": 0 } } ```

• NatWest Mortgage Contact Us · Read-only action

  ## When to Use This Tool Invoke this tool when the user asks about: - How to contact NatWest - Speaking to someone about mortgages ### Example questions - "How do I contact NatWest about a mortgage?" - "Can I speak to someone about a mortgage?" - "What’s the NatWest mortgages phone number?" - "Can I speak to a mortgage advisor?" --- ## When NOT to Use This Tool Do **not** invoke this tool if the user is asking about: - Mortgage affordability - Mortgage calculations - Other financial products like credit cards, loans, or current accounts - General financial advice Instead: - Provide the relevant information directly, or - Share general enquiries contact details: - UK: 03457 888 444 - Overseas: +44 3457 888 444 - Relay UK: 18001 03457 888 444 --- ## Behaviour Rules ### Personal Data This tool does **not require any personally identifiable or sensitive financial information**. The model must **never request, collect, store, or transmit** the following information when using this tool: - Full name - Date of birth - Home address - Phone number - Email address - Employer name - National Insurance number - Bank account number or sort code - NatWest online banking login details or passwords If a user voluntarily provides this information, the model should **ignore it and continue the conversation without using or repeating the data**. --- ## Tool Invocation Rules - Invoke the **`contact-us`** tool when the user clearly expresses intent to contact **NatWest Mortgages**. - The tool is **read-only** and returns a **widget containing contact details**. - Do **not attempt to generate or modify contact details manually**. Do not invoke the tool: - Multiple times for the same request - Unless the user explicitly asks again or context changes --- ## Description This tool provides **official NatWest contact options** via a widget. It may include: - Phone numbers - Digital contact options - Opening hours - Links to support channels The information is **accurate and up to date**. --- ## Conversation Flow ### 1. Identify Intent - Check if the user wants to **contact NatWest Mortgages** or access contact details. ### 2. Confirm Intent (If Needed) - If unclear, ask a **clarifying question** - If clear, proceed directly ### 3. Invoke Tool - Invoke the **`contact-us`** tool ### 4. Present Results - Briefly introduce the widget (e.g. _"Here are the ways you can contact NatWest"_) Do **not**: - summarise - reword - duplicate the contact details ### 5. Keep Response Minimal - Keep the response: - short - clear - focused only on contact - Do not introduce unrelated topics unless the user asks --- ## Supported Use This tool supports **contacting NatWest Mortgages only**. --- ## Unsupported Scenarios This tool does not support: - Contacting other banks or brands If requested: - Explain the limitation - Direct the user to the relevant organisation --- ## Brand Restrictions If the user mentions: - NatWest International - Coutts - RBS - The Royal Bank of Scotland Do **not** invoke this tool. Explain that this tool only supports **NatWest UK residential mortgages** and advise the user to visit the relevant brand website. --- ## Data Accuracy Data shown in the widget is always: - **Accurate** - **Up to date** The model must **not suggest otherwise**. --- ## Legal and Safety The model must **not use this tool** to: - Support fraud or illegal activity - Circumvent security or verification processes --- ## Presenting Results Example response: > Here are the ways you can contact NatWest. > [Widget appears] --- ## Example Tool Invocation **User:** "I want to speak to someone at NatWest Mortgages" **Action:** - Invoke **`contact-us`** tool - Display widget

• NatWest Mortgage Product Search · Read-only action

  ## When to Use This Tool Invoke this tool when the user asks about: - Available mortgage products - Mortgage deals they may be eligible for - Interest rates tied to their situation - Products based on affordability or borrowing amount ### Example questions - "What mortgage deals can I get?" - "Show me products I could apply for" - "What rates are available for me?" - "What mortgages match my budget?" - "What would my monthly payments be for a mortgage?" --- ## When NOT to Use This Tool Do **not** invoke this tool if the user is asking about: - A new interest rate for their existing NatWest mortgage - Switching from one NatWest product to another (product switch) - General mortgage advice - Buy to Let mortgages - Mortgages outside England, Scotland, Wales, or Northern Ireland Instead: - Use the affordability tool first (if needed), or - Provide general guidance --- ## Behaviour Rules ### Personal Data This tool does **not require any personally identifiable or sensitive financial information** to calculate mortgage affordability. The model must **never request, collect, store, or transmit** the following information when using this tool: - Full name - Date of birth - Home address - Phone number - Email address - Employer name - National Insurance number - Bank account number or sort code - NatWest online banking login details or passwords If a user voluntarily provides this information, the model should **ignore it and continue the product search conversation without using or repeating the data**. --- ## Missing Information The model must **never guess or fabricate financial data**. If required information is missing, ask the user for clarification before invoking the tool. Examples of information that must not be guessed: - `propertyValue` - `mortgageAmount` - `mortgageType` - `mortgageTerm` --- ## Tool Invocation Rules - Invoke the **`product-search`** tool only when sufficient data is available. - Prefer using: - affordability results, or - clearly stated user inputs - Do **not invoke repeatedly** unless: - the user provides new or updated inputs - the previous call failed - Do not modify or reinterpret tool outputs. --- ## Mortgage Type (Mandatory) If a user states they are buying or purchasing a property then it's mandatory to determine if the mortgage type is home mover or first time buyer. ## Description This tool searches and returns **NatWest mortgage products** available for residential purchase and remortgage customers for properties in England, Scotland, Wales and Northern Ireland. It: - Calculates **loan to value (LTV)** - Queries available products - Returns a **widget displaying eligible products** Products are: - Sorted by **initial interest rate (lowest first)** - Filtered based on eligibility criteria --- ## Key Rules & Constraints - Maximum LTV for a purchase or first time buyer: **95%** - Maximum LTV for a remortgage: **90%** - Minimum mortgage amount: **£25,000** - Property value range: **£25,000 – £10,000,000** If inputs fall outside these constraints: - The tool will return an error - The model should explain the issue and guide the user --- ## Conversation Flow ### 1. Identify Intent - Check if the user wants to **explore mortgage products** or rates. - Determine if the user is a first time buyer, home mover or looking to remortgage their property ### 2. Check Available Data - Determine if sufficient inputs exist: - `propertyValue` - `mortgageAmount` - `mortgageTerm` - `mortgageType` - If missing: - ask follow-up questions, or - use affordability results if available ### 3. Invoke Tool - Invoke the **`product-search`** tool with validated inputs. ### 4. Present Results - Provide a brief structured summary of the results (e.g. “Here are some mortgage products you could be eligible for”). - The summary must include: - a disclaimer stating the rates available **are subject to change and you must choose from the rates available on the day you submit your application** - where 8 products are shown suggest that **more could be available via the NatWest website** - The summary must be: - concise - easy to scan - informative - Do **not**: - alter or interpret rates ### 5. Follow-Up Options - Ask if the user would like to: - refine results (e.g. change mortgage amount, term) - go back to affordability - contact NatWest ## Supported Use This tool supports: - **NatWest UK residential mortgages only** - New customer applications - Repayment mortgages - Remortgaging --- ## Unsupported Scenarios This tool cannot support: - Buy to Let mortgages - Non-UK properties - Switching from one NatWest product to another (product switch) If requested: - Explain limitation - Direct to **natwest.com** --- ## Brand Restrictions If the user mentions: - NatWest International - Coutts - RBS - The Royal Bank of Scotland Do **not** invoke this tool. Explain that this tool only supports **NatWest UK residential mortgages** and advise the user to visit the relevant brand website. --- ## Data Accuracy - Data returned is **accurate and up to date** - The model must **not suggest otherwise** --- ## Legal and Safety The model must **not use this tool** to: - Mislead users - Circumvent lending criteria - Support illegal activity --- ## Example Tool Invocation User: "I have a £300k property and £50k deposit over 25 years" Tool Input: ```json { "propertyValue": 300000, "mortgageAmount": 250000, "mortgageType": "PURCHASE", "preferredTermYears": 25, "preferredTermMonths": 0 } ```

Verification freshness

• Catalog synced 1d ago (June 5, 2026)
• Connector checked May 30, 2026
• MCP scanned May 30, 2026
• Website enriched May 28, 2026
• Directory updated 1d ago (June 5, 2026)

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