NatWest mortgages
Our broker partner, Mojo Mortgages, can help you to compare NatWest mortgages, provide the advice you need to make an informed decision, and ensure you don't miss out on more competitive deals...
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About NatWest
NatWest, or National Westminster bank, was founded in 1970. However, the NatWest banking group is made up of over 200 smaller banks that operated throughout the UK, dating back as far as the 1640s.
The NatWest Group plc also owns the Royal Bank of Scotland (RBS). NatWest is one of the ‘big six’ mortgage lenders in the UK, with a 13.4% share of the market at the time of writing. They offer a wide range of mortgage products as well as other financial products such as bank accounts, loans and more.
What type of mortgages do NatWest offer?
First-time buyer mortgages at up to 95% LTV
Home mover mortgages at up to 95% LTV
Remortgages at up to 90% LTV
Buy-to-let mortgages at up to 75% LTV
Interest rate types
Fixed-rate mortgages
Variable-rate mortgages (NatWest offers tracker mortgages and standard variable rate mortgages)
Specific products
Although all products won’t be available in all circumstances, NatWest is also able to offer:
Interest-only mortgages (maximum 75% LTV)
Green mortgages
Right to Buy Scheme mortgages
Let-to-buy
Good to know criteria
Minimum loan size for purchase and remortgage customers is £25,000
Minimum mortgage term length of three years, maximum term length of 40 years (35 years for interest only mortgages)
There’s no minimum income requirement
For joint mortgage applications they accept a maximum of two applicants
NatWest mortgages are portable, subject to criteria
Overpayment of up to 20% of outstanding mortgage balance per year as standard
Minimum age on application is 18
Maximum age at end of mortgage term 75 years and 70 for interest-only mortgages
NatWest mortgage rates
To get the best NatWest mortgage interest rates you'll need a good sized deposit and strong credit history, but this is the same with any lender.
The table below shows the best NatWest mortgage deals available currently, based on the the lowest initial rate available at that particular LTV (regardless of the deal length or type). An expert broker may be able to help you find out which deals could work for you.
Remember, you could lose your home if you don't keep up with your mortgage repayments.
- 2 years
- Fixed rate
- Monthly repayment£ 875.67
- Loan to value60 %
- Initial interest rate3.88 %
- Variable rate7.24 %
- APRC6.9%
- Product fees£ 1,525
Representative example:Repayment mortgage of £168,000.00 over 25 years, representative APRC 6.9%. Repayments: 27 months of £875.67 at 3.88% (fixed), then 273 months of £1,186.83 at 7.24% (variable). Total amount payable £347,647.68. Early repayment charges apply until 31-Aug-2027. Arrangement, mortgage discharge, valuation and CHAPS fees total £1525.
- 2 years
- Fixed rate
- Monthly repayment£ 1,032.40
- Loan to value70 %
- Initial interest rate3.98 %
- Variable rate7.24 %
- APRC6.9%
- Product fees£ 1,525
Representative example:Repayment mortgage of £196,000.00 over 25 years, representative APRC 6.9%. Repayments: 27 months of £1,032.40 at 3.98% (fixed), then 273 months of £1,385.71 at 7.24% (variable). Total amount payable £406,173.63. Early repayment charges apply until 31-Aug-2027. Arrangement, mortgage discharge, valuation and CHAPS fees total £1525.
- 2 years
- Fixed rate
- Monthly repayment£ 1,204.73
- Loan to value80 %
- Initial interest rate4.18 %
- Variable rate7.24 %
- APRC6.9%
- Product fees£ 1,025
Representative example:Repayment mortgage of £224,000.00 over 25 years, representative APRC 6.9%. Repayments: 27 months of £1,204.73 at 4.18% (fixed), then 273 months of £1,586.11 at 7.24% (variable). Total amount payable £465,535.74. Early repayment charges apply until 31-Aug-2027. Arrangement, mortgage discharge, valuation and CHAPS fees total £1025.
- 5 years
- Fixed rate
- £ 250 cashback
- Monthly repayment£ 1,394.98
- Loan to value90 %
- Initial interest rate4.46 %
- Variable rate7.24 %
- APRC6.3%
- Product fees£ 1,025
Representative example:Repayment mortgage of £252,000.00 over 25 years, representative APRC 6.3%. Repayments: 63 months of £1,394.98 at 4.46% (fixed), then 237 months of £1,743.58 at 7.24% (variable). Total amount payable £501,112.20. Early repayment charges apply until 31-Aug-2030. Arrangement, mortgage discharge, valuation and CHAPS fees total £1025.
The above fixed rates are provided by Mojo Mortgages and updated every 12 hours. THEY MAY NOT BE AVAILABLE WHEN YOU'RE READY TO SUBMIT AN APPLICATION.
How to compare NatWest mortgage deals
Whether you’re an existing customer thinking about a NatWest remortgage, or are considering taking out a new mortgage with them, it’s a good idea to compare the mortgage deals they have available alongside other lenders.
As there are so many mortgage lenders in the UK, each with their own criteria specific to each product. The most efficient way to compare your mortgage options is using an experienced broker - like our partners at Mojo Mortgages. They can also offer tailored advice based on your individual needs and circumstances.
NatWest mortgages customer reviews
A lender's reputation is a good indication of how they treat their customers. Be sure to look at feedback from their mortgage customers on sites like Trustpilot and Which?, to get a better idea of their service standards.
They currently have a Which? review score of 71%.
How do I apply for a mortgage with NatWest?
You can apply for most of NatWest's mortgage products online or over the phone. You'll need to have a range of documentation ready, such as your proof of ID, proof of address, evidence of where your deposit is coming from and proof of income and outgoings.
You also have the option to apply for a NatWest mortgage through our broker partner Mojo Mortgages. Their expert brokers will help you to prepare and submit your mortgage application, maximising your chance of success.
NatWest mortgages FAQs
How long does NatWest mortgage approval take?
Lenders don’t often quote approval times, as they can vary significantly. The average length of time is around two to six weeks between application and offer.
How much can I overpay on a NatWest mortgage?
NatWest customers have the option to overpay their mortgage by 20% of the remaining outstanding balance per year, without fees.
Does NatWest offer self-employed mortgages?
There are not currently any mortgages specific to self-employed applicants on the market. However, NatWest do offer their range of mortgages to self-employed applicants, subject to meeting relevant criteria. This includes having been trading as self-employed for at least 24 months, with accounts and tax calculations to back this up.
How long is a NatWest mortgage offer valid?
NatWest mortgage offers are valid for 6 months. It’s also potentially possible to extend mortgage offers through NatWest in certain circumstances.
For standard applications, NatWest usually offers a one month extension, but you can request an offer extension for new build applications on two occasions for a maximum period of three months each time (so a 6 month extension in total).
What are common reasons NatWest rejects a mortgage application?
Most lenders reject any applications that don’t fully meet their lending criteria.
This could be for a wide variety of reasons, from not meeting the affordability criteria, through to selecting a property type that they’re not happy to lend on.
If you’re unable to meet NatWest mortgage criteria, a mortgage broker can help you look at more flexible specialist lenders.
Can I do a product transfer onto another lender from the NatWest Group?
No, NatWest brands are all considered as separate lenders, so product transfers can only be onto another NatWest deal.
Can I get a NatWest mortgage with bad credit?
NatWest will consider some bad credit applications, potentially accepting defaults, CCJs, and satisfied DMPs (debt management plan) - although they’ll still want to know the details and circumstances surrounding any credit issues.
If you have more serious credit issues, such as a current DMP or IVA or have been bankrupt in the past six years, then NatWest are unlikely to be able to help.
Our broker partner, Mojo Mortgages, will be able to help you find more specialist lenders with more flexibility towards bad credit applications.
Will I have to pay an ERC to switch to a new deal?
If you're planning to remortgage with NatWest, you won't be charged an early repayment charge (ERC) if your deal is already coming to an end. If you still have some time left on your deal, you may be charged ERCs, so it's worth consulting a mortgage advisor. If you switch mortgages to another lender at any time before the deal ends, you will have to pay ERCs.
How much can I borrow with NatWest?
NatWest offers applicants the option to borrow a maximum of 5.5 times their income for residential and interest-only mortgages.
A NatWest mortgage in principle could give you a better idea of how much you could borrow.
For mortgages up to £570,000, the maximum LTV is:
95% for first-time buyers and home movers
90% for remortgage customers
75% for interest only mortgages
For mortgages up to £750,000, the maximum LTV drops to 90% for first-time buyers and home movers.
For mortgages up to £2.55 million, the maximum LTV is:
85% for first-time buyers and home movers
85% for remortgage customers
75% for interest only mortgages
For mortgages up to £7.5 million the maximum LTV is 75% for all customers and for mortgages over £7.5 million the maximum LTV is 65%.
All buy-to-let mortgages have a maximum LTV of 75% up to £3.5 million.
How does porting a mortgage work with NatWest?
NatWest do offer the option to port your mortgage on some of their products - which essentially means you may be able to keep the same mortgage when you move home. You may be able to reduce or increase the amount you want to borrow, but you may incur an early repayment charge if you wish to borrow less.
What happens when my fixed-rate mortgage ends with NatWest?
When your NatWest fixed-rate mortgage ends, you'll be moved to their standard variable rate. You also have the option to choose a new mortgage deal, either by selecting a new NatWest mortgage product or switching lenders.
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YOUR HOME/PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH YOUR MORTGAGE REPAYMENTS.
The FCA does not regulate mortgages on commercial or investment buy-to-let properties.
Uswitch makes introductions to Mojo Mortgages to provide mortgage solutions. Uswitch and Mojo Mortgages are part of the same group of companies. Uswitch Limited is authorised and regulated by the Financial Conduct Authority (FCA) under firm reference number 312850. You can check this on the Financial Services Register by visiting the FCA website. Uswitch Limited is registered in England and Wales (Company No 03612689) The Cooperage, 5 Copper Row, London SE1 2LH. Mojo Mortgages is a trading style of Life's Great Limited which is registered in England and Wales (06246376). Mojo are authorised and regulated by the Financial Conduct Authority and are on the Financial Services Register (478215) Mojo’s registered office is The Cooperage, 5 Copper Row, London, SE1 2LH. To contact Mojo by phone, please call 0333 123 0012.
*Average savings are based on Mojo Mortgages residential remortgage sales data, compared to the average SVR in February 2025. Actual savings will depend on individual circumstances.