NatWest Mortgage Rates Compare Fixed, Tracker & Remortgage Deals

“What are NatWest mortgage rates today?“

Below you’ll find the latest NatWest mortgage rates and criteria, updated monthly by Verifi Mortgages.

Whether you’re remortgaging, buying your first home, or exploring rate options, this guide breaks down NatWest’s current products, affordability rules, and how they compare with other UK lenders.

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Published by Verifi Mortgages — independent FCA-regulated mortgage brokers.

Latest NatWest Mortgage Rates — Updated monthly

We update these rates weekly to reflect NatWest’s live product changes. Rates are subject to eligibility and can vary based on LTV, property type, and borrower profile.

Product	LTV	Initial Rate	Fee	Revert / SVR
2 year fixed (purchase)	60%	from 3.71%	£999	6.99%
5 year fixed (remortgage)	75%	from 3.93%	£999	6.99%
Tracker (BoE + 0.19%)	60%	from 4.19%	£999	6.99%

Updated December 2025. Subject to change & eligibility. Early repayment charges may apply.

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Expert Overview

This content has been reviewed by Verifi Mortgages, an FCA-regulated brokerage providing impartial advice on NatWest products.

NatWest remains one of the UK’s most flexible high-street lenders, particularly strong for:

– Borrowers with steady PAYE income or proven self-employed earnings
– First-time buyers up to 95% LTV
– Remortgage clients seeking free valuation & legal incentives
– Credit-clean to near-prime borrowers with minor blips (subject to evidence)
NatWest assesses affordability carefully — factoring disposable income, credit history, and property type. Flats, ex-local authority and new-builds are accepted case-by-case.

Who NatWest Fixed vs Tracker with NatWest

	Fixed Rate	Tracker Rate
Payment Stability	Predictable monthly payments for 2, 5 or 10 years	Moves with the Bank of England base rate
Best For	Budget certainty, rising-rate protection	Flexibility, early-exit potential
Considerations	Early-repayment charges (ERCs) apply	Payments can rise or fall; shorter ERCs

“Should I choose a fixed or tracker mortgage with NatWest?” We’ll model both to show the real world monthly difference before you commit.

Illustration of homebuyers and a mortgage adviser discussing housing options, representing support with comparing NatWest mortgage rates for first-time buyers, remortgage, and buy to let deals.

Illustration of a professional mortgage adviser wearing a headset and holding a clipboard with a house icon, symbolising expert mortgage support and personalised advice.

Who NatWest Can Work Well For

(Based on lender criteria, interpreted by Verifi Mortgages)

LTV & Deposit: Up to 95% for first-time buyers; sharper rates at 60–75%
Income: PAYE, self-employed (min 2 yrs accounts/SA302s), contractors (day-rate basis accepted)
Credit: Minor late payments may be OK; serious adverse generally declined
Property: Houses & most flats; new-builds, ex-LA, short leases subject to policy
Porting: Available; selected products allow overpayments or porting on move

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Fees vs No-Fee — Which Is Cheaper?

NatWest often prices fee-based products lower — but paying a £999–£1,499 fee upfront doesn’t always win long-term.

We’ll calculate:

Monthly savings vs. fee payback period
True cost over 2/5/10 yrs (including revert/SVR)
Whether adding fees to the loan affects affordability or LTV band

What We’ll Need To Quote Accurately

Your LTV: property value vs. loan amount
Income & Stability: PAYE basics, SA302s, contractor evidence
Credit Background: any missed payments / CCJs (soft-search only)
Property Details: house/flat type, tenure, lease term, service charges

The clearer your info, the sharper and more tailored your rate options.

Mortgage Repayment Calculator Estimate Your Costs

Wondering what your monthly repayments might look like? Use our calculator to find out based on interest rate, loan term, and deposit.

Natwest Mortgage Options (What You’ll See)

First-Time Buyers (up to 95% LTV)

Low-deposit fixed deals, occasional incentives, and fee-saver options. We’ll ensure your scheme fits affordability — not just headline rates.

Check First Time buyer Guides

Remortgaging with Natwest

Switch early to secure rates before expiry. Many products include free valuation & legals, plus rate-switch options.

Check Remortgage Types & guides

Home Movers

Port existing deals or take new ones — we’ll compare port vs new so you retain flexibility and minimise fees.

Compare Move Home Deals

Tracker & Flexible Products

BoE + margin trackers ideal if you expect cuts. Often shorter ERCs and simpler exit routes.

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Buy-to-Let (Landlords)

Competitive rental stress tests, standard property types accepted. We’ll compare NatWest vs. specialist lenders.

Check BTL Guides

Offset & Overpayment Flex

Make savings work harder via offset or part-payment features. Great for reducing interest or term.

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Why Compare NatWest Rates with Verifi?

Whole-of-market access (100+ lenders incl. broker-exclusive)
No credit score impact when checking options
FCA-regulated, jargon-free human advice
AI-powered RateDrop alerts — track cuts & switch instantly
Transparent, compliant, and expert-led

Disclaimer

Verifi Mortgages is not affiliated with or endorsed by NatWest.
Rates, products, and lending criteria are for general guidance only and may change anytime.
We recommend advice before making decisions.
Visit NatWest’s official intermediary page for current criteria.

NatWest Flexibility Quirk:

NatWest often shows flexibility with applicants who have limited credit depth but strong income stability. For example, clients with short credit histories but proven affordability through PAYE or self-employment records can sometimes access 90–95% LTV products.