NatWest mortgage rates, calculator and review

NatWest offers competitive fixed rate and tracker mortgages and accepts deposits as low as 5%.

4.1 ★★★★★ (471 reviews) Write a review
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Matthew Boyle

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What types of mortgages can I get with NatWest?

  • Fixed rate. Your interest rate remains locked for a set amount of time.
  • Remortgages. You can switch your existing mortgage to NatWest via one of its remortgage products.
  • Variable rate. Your interest rate may fluctuate up and down based on various economic conditions.
  • Tracker. Your interest rate could shift up and down with the Bank of England base rate.
  • Shared ownership. This mortgage allows you to buy a percentage of a property and pay rent on the remainder. You can then apply to buy additional percentages as and when you can afford to do so.
  • 95% LTV. This mortgage type allows you to buy a property, while only putting down a deposit worth 5% of its property’s value.
  • Cashback. With this mortgage, the lender will pay cashback into your current account.
  • Interest-only. With this mortgage type, your monthly repayments will only cover the mortgage interest. You’ll pay off the capital at the end of the mortgage term.
  • “Green” fixed rate. This mortgage type offers a lower interest rate with other NatWest fixed rate mortgage products if the home you’re purchasing or remortgaging has a valid energy performancecertificate (EPC) rating of “A” or “B”. If you don’t know your home’s EPC you can search the gov.uk site for a certificate. These mortgages are available on a maximum loan-to-value of 85%.
  • Offset mortgage. An offset mortgage reduces the amount of interest you’re charged on your mortgage as it only charges interest on the net balance. This means you’ll pay less interest over the life of the loan and it can be used as an effective savings tool.

How to apply

You can apply for a mortgage or make general mortgage queries online, by calling 0345 302 0190 or by filling out the callback form on natwest.com.

What information is needed to apply?

You’ll need to supply proof of identity, proof of address, details about the property you wish to buy, plus evidence of your regular income and outgoings. This will include 3 months’ worth of payslips and bank statements, plus details of any existing debt or loan agreements.

Eligibility criteria

You must be at least 18 years old, and no older than 70 when the mortgage term is due to end.

All applicants are subject to an affordability assessment and credit check. If you’ve suffered a bankruptcy or an IVA in the past 6 years, you’ll be declined.

We've teamed up with L&C Mortgages to help you compare live rates from over 80 lenders.

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Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

NatWest mortgages customer reviews

In our 2024 customer satisfaction survey, NatWest scored 4.3 out of 5 stars with 90% of its customers saying they’d recommend the brand to a friend.

Customers in our survey commented on Natwest’s “great communication and customer service”. Several also commented positively on NatWest’s high street branches.

Here is some of the feedback we got from NatWest mortgage customers:

“Very good professional service.”
“Easy to use and reliable.”
“They’ve been really easy to deal with, very helpful on the phone and the app makes everything very simple to use.”
“Good communication, easy to understand letters and emails.”

Our verdict: Is a mortgage from NatWest worth it?

NatWest offers a pretty broad range of mortgage products, so it’s certainly worth investigating. Depending on your requirements, NatWest’s more specialised home loan products may be a good fit for you.

The cashback incentives on offer with selected mortgage products could be a welcome bonus. But bear in mind that a mortgage is a serious, long-term financial commitment, so it’s best not to base your decision solely on promos or cashback offers.

A positive thing about a NatWest mortgage is that you can often take your existing mortgage deal with you to a new property. Almost all of its mortgages are portable, so if you do need to move home, you can usually move your existing mortgage balance at the same rate and avoid paying an early repayment charge.

NatWest isn’t necessarily known for offering the most competitive fixed or variable interest rates, so be sure to shop around yourself, or use a mortgage broker to find the best product for your needs and individual circumstances. However, customers report excellent and friendly customer service which makes the process of getting a mortgage that bit smoother.

Frequently asked questions

Mortgage ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

Representative example
A mortgage of £225,134 payable over 24 years, initially on a fixed rate until 30/09/26 at 4.88% and then on a variable rate of 6.99% for the remaining 22 years would require 26 payments of £1328.29 followed by 262 payments of £1,593.54. The total amount payable would be £453,042 made up of the loan amount plus interest (£226,909) and fees (£999). The overall cost for comparison is 6.8% APRC representative.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife. See full bio

Matthew's expertise
Matthew has written 279 Finder guides across topics including:
  • Helping first-time buyers apply for a mortgage
  • Comparing bank accounts and highlighting useful features
  • Publishing easy-to-understand guides
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