NatWest mortgage rates, calculator and review
NatWest offers competitive fixed rate and tracker mortgages and accepts deposits as low as 5%.
![NatWest NatWest](https://www.finder.com/niche-builder/5de653c442a65.png)
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.
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.
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.
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.
“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.”
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.
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.
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