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 April 2026. Subject to change & eligibility. Early repayment charges may apply.
Are You Overpaying Your Mortgage?
Mortgage rates change constantly — and the deal you’re looking at here may not reflect what’s available across the wider market. If your current rate is higher than today’s deals, you could be overpaying without realising it.
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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.
Who NatWest Can Work Well For
(Based on lender criteria, interpreted by Verifi Mortgages)
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Don’t Just Check Natwest Mortgage Rates — Know When to Act
Natwest Mortgage rates can change, and the best deals don’t stay available for long. Theo tracks your mortgage against the market and alerts you when better options appear, so you don’t miss the right moment.
Theo Insight: The biggest savings often come from acting early — not waiting for rates to change again.
Track Your Mortgage Rate
Monitor your rate and spot better deals early
Get Alerts When Rates Drop
Get notified when you could save money
Know When to Remortgage
Understand your ideal remortgage timing
Theo is a mortgage intelligence platform designed to help you monitor your mortgage and identify potential savings. It does not provide advice. Always speak to a qualified adviser. Built by FCA regulated mortgage experts at Verifi Mortgages
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:
What We’ll Need To Quote Accurately
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)
Why Compare NatWest Rates with Verifi?
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.
NatWest Mortgage FAQs 2025
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