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NatWest

NatWest mortgage calculator and review

NatWest offers competitive fixed rate mortgages starting as low as 2.44%.

Estimate costs Buy-to-let rates
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Matthew Boyle
Updated . What changed?
Fact checked
Customer rating
★★★★★
Satisfaction survey
Customers cite great customer service and easy-to-use online features
Interest rates not always the most competitive
NatWest, also known as National Westminster Bank, is a large retail and commercial bank in the United Kingdom. It was established in 1968 by the merger of National Provincial Bank and Westminster Bank. It joined the wider Royal Bank of Scotland Group in 2000, which itself got re-branded as the NatWest Group in 2020.
Updated regularly
£
years
Updated regularly
Name Product Initial rate Revert rate (SVR) Maximum LTV Apply link Initial payment
NatWest 30/11/2024 Fixed
NatWest
3.05% fixed until 30/11/2024
4.49% variable
60%
View details
£891.37
4.3% APRC
NatWest 30/11/2024 Fixed
NatWest
3.05% fixed until 30/11/2024
4.49% variable
60%
View details
£891.37
4.3% APRC
NatWest 30/11/2024 Fixed
NatWest
3.11% fixed until 30/11/2024
4.49% variable
75%
View details
£896.19
4.3% APRC
NatWest 30/11/2027 Fixed
NatWest
3.15% fixed until 30/11/2027
4.49% variable
60%
View details
£899.42
4% APRC
NatWest 30/11/2024 Fixed
NatWest
3.15% fixed until 30/11/2024
4.49% variable
60%
View details
£899.42
4.3% APRC
NatWest 30/11/2024 Fixed
NatWest
3.15% fixed until 30/11/2024
4.49% variable
60%
View details
£899.42
4.3% APRC
NatWest 30/11/2027 Fixed
NatWest
3.15% fixed until 30/11/2027
4.49% variable
60%
View details
£899.42
4% APRC
NatWest 30/11/2027 Fixed
NatWest
3.16% fixed until 30/11/2027
4.49% variable
60%
View details
£900.23
4% APRC
NatWest 30/11/2024 Fixed
NatWest
3.16% fixed until 30/11/2024
4.49% variable
75%
View details
£900.23
4.3% APRC
NatWest 30/11/2024 Fixed
NatWest
3.19% fixed until 30/11/2024
4.49% variable
85%
View details
£902.65
4.3% APRC
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Overall representative example
If you borrow £178,000 over a 25-year term at 2.89% p.a. (fixed) for 86 months reverting to 4.49% p.a. (variable) for the remaining term, you would make 86 monthly payments of £833.95 and 214 monthly payments of £947.29. The total payable would be £275,898.76, which includes interest of £96,440, valuation fees of £0 and a product fee of £999. The overall cost for comparison is 3.8% APRC representative.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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.
  • Buy-to-let. This mortgage allows you to buy an additional property and let it out to tenants.
  • 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.

NatWest’s mortgage rates for buy-to-let

Updated daily
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Link
NatWest 30/11/2024 Fixed
NatWest
3.08% fixed until 30/11/2024
4.49% variable
65%
4.3% APRC
Compare now
NatWest 30/11/2024 Fixed
NatWest
3.14% fixed until 30/11/2024
4.49% variable
75%
4.3% APRC
Compare now
NatWest 30/11/2024 Fixed
NatWest
3.17% fixed until 30/11/2024
4.49% variable
65%
4.4% APRC
Compare now
NatWest 30/11/2024 Fixed
NatWest
3.18% fixed until 30/11/2024
4.49% variable
60%
4.4% APRC
Compare now
NatWest 30/11/2027 Fixed
NatWest
3.19% fixed until 30/11/2027
4.49% variable
65%
4.1% APRC
Compare now
NatWest 30/11/2027 Fixed
NatWest
3.2% fixed until 30/11/2027
4.49% variable
65%
4.1% APRC
Compare now
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How to apply

You can apply for a mortgage or make general mortgage queries online, by calling 0800 096 9527 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 three 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 (or 80, if it’s a buy-to-let mortgage).

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

NatWest mortgages customer reviews

NatWest came third in our latest mortgages customer satisfaction survey, with a score of 4.5 out of 5 stars and 88% of its customers saying they’d recommend the brand. Survey respondents praised NatWest’s easy-to-use app and the excellent customer service, as well as the range of products available.

Here is some of the feedback we got from NatWest mortgage customers:
“Easy to use website, good communication.”
“Great customer service, never had any problems.”
“Excellent customer service, very friendly and approachable attitude, and great range of products”
“Easy management via app and website, remortgaging is easy and fully electronic.”
“Efficient, good communication, reliable.”

Frequently asked questions

Mortgage ratings

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

Our customer satisfaction scores ("Customers say") are based on a survey of 1,305 customers carried out in December 2021.

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.

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