Natwest Group Mortgage Rates

66 mortgage products listed in our database and is currently offering moving home fixed rates from 4.44% with a £1,495 set up fee for a 5 year product. They are also offering first time buyer rates from 4.82% with a £1,495 set up fee for a 2 year product

Natwest Group Mortgage Rates

66 mortgage products listed in our database and is currently offering moving home fixed rates from 4.44% with a £1,495 set up fee for a 5 year product. They are also offering first time buyer rates from 4.82% with a £1,495 set up fee for a 2 year product.         

Check back weekly or favourite this page to keep an eye on the ever-changing rates. The table below is updated as of July 16, 2024 and rates are subject to change.

Natwest Mortgage Rates: First Time Buyer

COMPANY TYPE TERM INITIAL RATE THE OVERALL COST FOR COMPARISON IS PRODUCT FEE LOAN TO VALUE (LTV)
NATWEST BANK PLC First Time Buyer Tracker 2 years 5.94% 8.24% £995.00 75%
NATWEST BANK PLC First Time Buyer Tracker 2 years 5.94% 8.24% £995.00 80%
NATWEST BANK PLC First Time Buyer Tracker 2 years 6.18% 8.24% £0.00 75%
NATWEST BANK PLC First Time Buyer Tracker 2 years 6.29% 8.24% £0.00 80%
NATWEST BANK PLC First Time Buyer Fixed Rate Online Only 2 years 4.82% 8.24% £1495.00 75%
NATWEST BANK PLC First Time Buyer Green Mortgage Fixed Rate 2 years 4.82% 8.24% £995.00 75%
NATWEST BANK PLC First Time Buyer Fixed Rate 2 years 4.87% 8.24% £995.00 75%
NATWEST BANK PLC First Time Buyer Fixed Rate 2 years 4.98% 8.24% £995.00 80%
NATWEST BANK PLC First Time Buyer Shared Equity Exclusive Cashback Fixed Rate 2 years 5.02% 8.24% £995.00 75%
NATWEST BANK PLC First Time Buyer Fixed Rate Online Only 2 years 4.83% 8.24% £1495.00 80%
NATWEST BANK PLC First Time Buyer Fixed Rate 2 years 5.08% 8.24% £0.00 75%
NATWEST BANK PLC First Time Buyer Shared Equity Exclusive Fixed Rate 2 years 5.23% 8.24% £0.00 75%
NATWEST BANK PLC First Time Buyer Fixed Rate 2 years 5.25% 8.24% £0.00 80%
NATWEST BANK PLC First Time Buyer Fixed Rate Green Mortgage 5 years 4.44% 8.24% £995.00 75%
NATWEST BANK PLC First Time Buyer Fixed Rate 5 years 4.54% 8.24% £995.00 75%
NATWEST BANK PLC First Time Buyer Fixed Rate Online Only 5 years 4.44% 8.24% £1495.00 75%
NATWEST BANK PLC First Time Buyer Fixed Rate Online Only 5 years 4.62% 8.24% £1495.00 80%
NATWEST BANK PLC First Time Buyer Fixed Rate 5 years 4.67% 8.24% £995.00 80%
NATWEST BANK PLC First Time Buyer Shared Equity Exclusive Cashback Fixed Rate 5 years 4.64% 8.24% £995.00 75%
NATWEST BANK PLC First Time Buyer Fixed Rate 5 years 4.63% 8.24% £0.00 75%
NATWEST BANK PLC First Time Buyer Shared Equity Exclusive Fixed Rate 5 years 4.78% 8.24% £0.00 75%
NATWEST BANK PLC First Time Buyer Fixed Rate 5 years 4.76% 8.24% £0.00 80%

 

Natwest Mortgage Rates: Moving Home

COMPANY TYPE TERM INITIAL RATE THE OVERALL COST FOR COMPARISON IS PRODUCT FEE LOAN TO VALUE (LTV)
NATWEST BANK PLC Moving Home Tracker 2 years 5.94% 8.24% £995.00 75%
NATWEST BANK PLC Moving Home Tracker 2 years 5.94% 8.24% £995.00 80%
NATWEST BANK PLC Moving Home Tracker 2 years 6.18% 8.24% £0.00 75%
NATWEST BANK PLC Moving Home Tracker 2 years 6.29% 8.24% £0.00 80%
NATWEST BANK PLC Moving Home Fixed Rate Online Only 2 years 4.82% 8.24% £1495.00 75%
NATWEST BANK PLC Moving Home Fixed Rate Green Mortgage 2 years 4.82% 8.24% £995.00 75%
NATWEST BANK PLC Moving Home Fixed Rate 2 years 4.87% 8.24% £995.00 75%
NATWEST BANK PLC Moving Home Fixed Rate 2 years 4.98% 8.24% £995.00 80%
NATWEST BANK PLC Moving Home Fixed Rate Shared Equity Exclusive Cashback 2 years 5.02% 8.24% £995.00 75%
NATWEST BANK PLC Moving Home Fixed Rate Online Only 2 years 4.83% 8.24% £1495.00 80%
NATWEST BANK PLC Moving Home Fixed Rate 2 years 5.08% 8.24% £0.00 75%
NATWEST BANK PLC Moving Home Fixed Rate Shared Equity Exclusive 2 years 5.23% 8.24% £0.00 75%
NATWEST BANK PLC Moving Home Fixed Rate 2 years 5.25% 8.24% £0.00 80%
NATWEST BANK PLC Moving Home Fixed Rate Online Only 5 years 4.44% 8.24% £1495.00 75%
NATWEST BANK PLC Moving Home Fixed Rate Green Mortgage 5 years 4.44% 8.24% £995.00 75%
NATWEST BANK PLC Moving Home Fixed Rate 5 years 4.49% 8.24% £995.00 75%
NATWEST BANK PLC Moving Home Fixed Rate Online Only 5 years 4.62% 8.24% £1495.00 80%
NATWEST BANK PLC Moving Home Fixed Rate 5 years 4.63% 8.24% £0.00 75%
NATWEST BANK PLC Moving Home Fixed Rate Shared Equity Exclusive Cashback 5 years 4.64% 8.24% £995.00 75%
NATWEST BANK PLC Moving Home Fixed Rate 5 years 4.67% 8.24% £995.00 80%
NATWEST BANK PLC Moving Home Fixed Rate Shared Equity Exclusive 5 years 4.78% 8.24% £0.00 75%
NATWEST BANK PLC Moving Home Fixed Rate 5 years 4.76% 8.24% £0.00 80%

 

Natwest Mortgage Rates: Remortgage

COMPANY TYPE TERM INITIAL RATE THE OVERALL COST FOR COMPARISON IS PRODUCT FEE LOAN TO VALUE (LTV)
NATWEST BANK PLC Remortgage Tracker 2 years 5.94% 8.24% £995.00 75%
NATWEST BANK PLC Remortgage Tracker 2 years 5.94% 8.24% £995.00 80%
NATWEST BANK PLC Remortgage Tracker 2 years 6.18% 8.24% £0.00 75%
NATWEST BANK PLC Remortgage Tracker 2 years 6.29% 8.24% £0.00 80%
NATWEST BANK PLC Remortgage Fixed Rate Green Mortgage 2 years 4.93% 8.24% £995.00 75%
NATWEST BANK PLC Remortgage Fixed Rate Online Only 2 years 4.93% 8.24% £1495.00 75%
NATWEST BANK PLC Remortgage Fixed Rate 2 years 5.23% 8.24% £0.00 75%
NATWEST BANK PLC Remortgage Fixed Rate 2 years 4.98% 8.24% £995.00 75%
NATWEST BANK PLC Remortgage Fixed Rate Help to Buy Shared Equity Cashback 2 years 5.13% 8.24% £995.00 75%
NATWEST BANK PLC Remortgage Fixed Rate Online Only 2 years 5.48% 8.24% £1495.00 80%
NATWEST BANK PLC Remortgage Fixed Rate 2 years 5.53% 8.24% £995.00 80%
NATWEST BANK PLC Remortgage Fixed Rate Help to Buy Shared Equity Cashback 2 years 5.38% 8.24% £0.00 75%
NATWEST BANK PLC Remortgage Fixed Rate 2 years 5.91% 8.24% £0.00 80%
NATWEST BANK PLC Remortgage Fixed Rate Green Mortgage 5 years 4.55% 8.24% £995.00 75%
NATWEST BANK PLC Remortgage Fixed Rate Online Only 5 years 4.45% 8.24% £1495.00 75%
NATWEST BANK PLC Remortgage Fixed Rate 5 years 4.60% 8.24% £995.00 75%
NATWEST BANK PLC Remortgage Fixed Rate 5 years 4.78% 8.24% £0.00 75%
NATWEST BANK PLC Remortgage Fixed Rate Help to Buy Shared Equity Cashback 5 years 4.75% 8.24% £995.00 75%
NATWEST BANK PLC Remortgage Fixed Rate Online Only 5 years 4.93% 8.24% £1495.00 80%
NATWEST BANK PLC Remortgage Fixed Rate 5 years 5.02% 8.24% £995.00 80%
NATWEST BANK PLC Remortgage Fixed Rate Help to Buy Shared Equity Cashback 5 years 4.93% 8.24% £0.00 75%
NATWEST BANK PLC Remortgage Fixed Rate 5 years 4.98% 8.24% £0.00 80%

 

Natwest Mortgage Rates: Buy to Let

There are currently no lenders offering these products at the moment.

 

Natwest Group Mortgage Rates FAQs

How to get the lowest mortgage rate from Natwest?

To get the lowest mortgage rate from Natwest, you can follow these steps:

  1. Improve your credit score: Your credit score plays a key role in determining the interest rate you will be offered. Therefore, it's important to review your credit report and take steps to improve your credit score, such as paying down debt and making payments on time.
  2. Save for a larger down payment: The larger your down payment, the less you'll need to borrow and the lower your interest rate is likely to be. Therefore, it's a good idea to save as much as you can for a down payment.
  3. Shop around: It's important to compare mortgage rates from different lenders in the UK. Use comparison websites or speak to a mortgage broker to get a sense of what rates are available and what lenders may be willing to offer.
  4. Consider a shorter mortgage term: Generally, the shorter your mortgage term, the lower your interest rate is likely to be. Therefore, if you can afford higher monthly payments, consider opting for a shorter mortgage term.
  5. Consider a fixed-rate mortgage: Fixed-rate mortgages can provide peace of mind as your monthly payments will remain the same for the fixed period, even if interest rates increase. Therefore, if you're looking for stability, a fixed-rate mortgage may be a good option.
  6. Improve your financial situation: Lenders will consider your income, employment history, and other financial factors when determining your interest rate. Therefore, it's important to improve your financial situation as much as possible before applying for a mortgage.

By following these steps, you can increase your chances of getting the lowest mortgage rate from Natwest. However, it's important to remember that your interest rate will also depend on factors such as the lender's criteria and current market conditions.

What is the best month to buy a house and get a mortgage from Natwest?

There is no one "best" month to buy a house in the UK, as the property market will always fluctuate throughout the year. However, there are certain times of the year when there may be more properties available and the competition may be less intense, which could potentially lead to better deals for buyers.

For example, the period between Christmas and New Year's Day, as well as the months of January and February, are typically considered to be slower months in the property market. During these times, there may be fewer buyers in the market and some sellers may be more motivated to sell, potentially resulting in better deals for buyers.

On the other hand, the spring and summer months (from March to August) are typically the busiest months in the UK property market, with more properties available for sale and increased competition from other buyers.

Ultimately, the best time to buy a house in the UK will depend on your personal circumstances and priorities; if you gotta buy your house NOW, you gotta buy your house now. It is always advisable to do your research and keep an eye on the property market trends in your area of interest.

How do I get the best mortgage rate from Natwest?

Getting the best mortgage rate from Natwest requires some preparation and research. Here are some steps you can take to increase your chances of getting Natwest's best mortgage rate:

  • Check your credit score: Your credit score is a key factor in determining the interest rate you will be offered. Before applying for a mortgage, check your credit score and make sure that your credit report is accurate and up-to-date. If there are any errors or issues on your report, work to correct them before applying for a mortgage.
  • Save for a larger deposit: The more money you can put down as a deposit, the lower the interest rate you are likely to be offered. Aim to save as much as possible for your deposit to increase your chances of getting the best rate.
  • Shop around for the best deal: Research and compare mortgage rates from different lenders in the UK. You can use online comparison tools or work with a mortgage broker to help you find the best deal.
  • Consider a fixed-rate mortgage: A fixed-rate mortgage can provide peace of mind as your monthly repayments will remain the same for a fixed period, even if interest rates increase. This can also help you budget effectively and avoid any surprise increases in your mortgage payments.
  • Consider a shorter mortgage term: A shorter mortgage term may come with a lower interest rate as lenders may view it as less risky. However, it's important to ensure that you can comfortably afford the higher monthly payments that come with a shorter term.
  • Get pre-approved for a mortgage: Getting pre-approved for a mortgage can give you an idea of how much you can afford to borrow and can also make you a more attractive borrower to lenders. Pre-approval shows that you are serious about buying a property and have taken steps to ensure that you can afford it.
  • Work with a mortgage broker: A mortgage broker can help you find the best mortgage rate by shopping around on your behalf and offering expert advice. Mortgage brokers may also have access to exclusive deals that are not available to the general public.

Remember that the best mortgage rate is not just about the interest rate, but also the overall cost of the mortgage, including any fees and charges. Be sure to read the fine print and understand all the costs associated with the mortgage before making a decision.

How do I ask Natwest for a lower interest rate on my mortgage?

If you're looking to ask Natwest for a lower mortgage interest rate in the UK, here are some steps you can follow:

  1. Review your current mortgage: Before you approach Natwest, review your current mortgage agreement and make sure you understand the terms, including the interest rate, any penalties for early repayment, and any fees associated with changing your mortgage.
  2. Research other mortgage rates: Look up other mortgage rates offered by different lenders in the UK, especially those which directly compare to Natwest’s mortgage offerings above. This will give you an idea of what rates are available and what you can negotiate for.
  3. Prepare your case: Think about why you deserve a lower interest rate. Have you made regular payments on time? Has your credit score improved since you took out your mortgage? Gather evidence to support your case.
  4. Contact Natwest: Call or email Natwest's customer service department and explain your request for a lower interest rate. Be polite, professional, and explain your reasons for requesting a lower interest rate. You may also be asked to provide additional information about your financial situation.
  5. Negotiate: Natwest may offer you a lower interest rate immediately, or they may need to review your account before making a decision. If they make a counteroffer, be prepared to negotiate further to reach an agreement that works for both parties.
  6. Consider refinancing: If Natwest is unwilling to lower your interest rate, consider refinancing your mortgage with a different lender. However, be aware that there may be fees associated with refinancing, and it's important to do your research before making any decisions.

Remember that Natwest is under no obligation to lower your mortgage interest rate, so it's important to approach the situation in a respectful and professional manner.