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Interest rates not always the most competitiveNatWest mortgages review, rates and comparison
NatWest offers a range of fixed and variable rate mortgages that could be suitable for you.
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Customers cite great customer service and easy-to-use online featuresInterest rates not always the most competitiveWhat 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.
Compare NatWest mortgages
Overall representative example
If you borrow £170,000 over a 25-year term at 1.75% p.a. (fixed) for 62 months reverting to 4.74% p.a. (variable) for the remaining term, you would make 62 monthly payments of £700.04 and 238 monthly payments of £912.95. The total payable would be £261,424.58, which includes interest of £90,685 and a product fee of £495. The overall cost for comparison is 3.6% APRC representative.
If you borrow £170,000 over a 25-year term at 1.75% p.a. (fixed) for 62 months reverting to 4.74% p.a. (variable) for the remaining term, you would make 62 monthly payments of £700.04 and 238 monthly payments of £912.95. The total payable would be £261,424.58, which includes interest of £90,685 and a product fee of £495. The overall cost for comparison is 3.6% 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.
How to apply
You can apply for a mortgage or make general mortgage queries online, by calling 0800 027 1396 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.
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.
Compare NatWest using a mortgage broker
There are huge benefits to choosing to use a mortgage broker to help you get the right deal. They will do all of the hard work and research for you. They are experts in comparing the hundreds of loans and lenders out in the market based on your individual needs and eligibility, so you won’t have to worry about being forced into a deal. Your broker will also negotiate with your chosen lender on your behalf to make sure you are getting the right deal for you.
L&C work with over 80 different mortgage lenders, including NatWest, giving you a great opportunity to compare different mortgage deals in the market. To apply for a mortgage through L&C click the link below.
London and Country Mortgage Experts
L&C is a specialist broker offering mortgage comparison & free advice.
- Compare over 80 mortgage lenders
- Fee FREE mortgage advice
- Personal customer service from start to finish
- Open 7 days a week
The finder.com mortgage service is provided by London & Country Mortgages (L&C). Beazer House, Lower Bristol Road, Bath BA2 3BA.
L&C are authorised and regulated by the Financial Conduct Authority (reg no. 143002). Please note the FCA does not regulate most Buy to Let mortgages.
L&C are authorised and regulated by the Financial Conduct Authority (reg no. 143002). Please note the FCA does not regulate most Buy to Let mortgages.
Find a mortgage using a broker to compare the market
Mojo Mortgages
The Mojo mortgage calculator compares rates in less than 1 minute. A free online mortgage broker.
L&C
The UK's largest fee-free mortgage broker & adviser. No hidden costs. L&C compares rates from over 80 lenders.
Simply Adverse
Simply Adverse are a national mortgage broker specialising in sourcing mortgages for people with bad credit.Frequently asked questions
Mortgage ratings
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Our customer satisfaction scores (“Customers say”) are based on a survey of 750 customers carried out in December 2019.
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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