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Your NatWest Rates List

NatWest Mortgage Product Transfer

Please note: if you have secured, or are about to secure, a new NatWest rate and it is higher than the rates shown here.
Contact our Team immediately on 0208 979 9684 to recheck your options.

Current NatWest Existing Customer Mortgages – 60% loan to value

Natwest mortgage rates existing customers current as of March 12, 2024

TypeRateUntilFee LTV
2 Year Fixed4.69%31/07/26£99560%
2 Year Fixed4.89%31/07/26£49560%
2 Year Fixed5.05%31/07/26£060%
5 Year Fixed4.39%31/07/29£99560%
5 Year Fixed4.49%31/07/29£49560%
5 Year Fixed4.59%31/07/29£060%
2 Year Tracker5.74%31/07/26£99560%
2 Year Tracker6.18%31/07/26£060%

Current NatWest Existing Customer Mortgages – 75% loan to value

Natwest mortgage rates existing customers current as of March 12, 2024

TypeRateUntilFee LTV
2 Year Fixed4.84%31/07/26£99575%
2 Year Fixed5.15%31/07/26£075%
5 Year Fixed4.64%31/07/29£99575%
5 Year Fixed4.84%31/07/29£075%
2 Year Tracker5.89%31/07/26£99575%
2 Year Tracker6.18%31/07/26£075%

Current NatWest Existing Customer Mortgages – 80% loan to value

Natwest mortgage rates existing customers current as of March 12, 2024

TypeRateUntilFee LTV
2 Year Fixed5.49%31/07/26£99580%
2 Year Fixed5.89%31/07/26£080%
5 Year Fixed5.04%31/07/29£99580%
5 Year Fixed5.24%31/07/29£080%
2 Year Tracker5.94%31/07/26£99580%
2 Year Tracker6.29%31/07/26£080%

Current NatWest Existing Customer Mortgages – 85% loan to value

Natwest mortgage rates existing customers current as of March 12, 2024

TypeRateUntilFee LTV
2 Year Fixed5.59%31/07/26£99585%
2 Year Fixed5.94%31/07/26£085%
5 Year Fixed5.09%31/07/29£99585%
5 Year Fixed5.29%31/07/29£085%
2 Year Tracker5.99%31/07/26£99585%
2 Year Tracker6.34%31/07/26£085%

NatWest Mortgage Product Transfer – the process.

  • Secure a rate up to 6 months early
  • No Broker Fees
  • Same day service
  • No paperwork
  • No valuations
  • No credit scoring
  1. To contact our Team you can call us or use our secure online NatWest Product Transfer Form
  2. We will check your NatWest Mortgage Product options and email a full list to you on a single sheet
  3. Our experienced Team will be available to give you any help you need in deciding your best option
  4. Once you have made a decision our Team will request a mortgage offer for you based on the new rate
  5. You will receive an email with a link to approve your offer online
Calculate Your Monthly Mortgage Payments

Mortgage Calculator

Property Value £
Mortgage Balance £
Remaining Term (Years)
24
Preferred Rate:
Repayment Type
 Capital Repayment   Interest Only 
Mortgage Type
 Residential Only   Buy To Let 
The payment will be :
£
 
 
Calculate
Secure Rate


Book early

In the current market there is a definite advantage in booking your NatWest mortgages product transfer rate early.

Within six months of your current NatWest mortgage rate ending you can secure a new mortgage rate. That rate will not start before your current rate ends.
If mortgages rate then rise, your newly secured NatWest mortgage rate is held for you.
If mortgage rates fall, you can swop a reserved mortgage rate to the new lower rate at no cost.

Current NatWest Buy to Let Existing Customer Mortgages – 60% loan to value

Natwest mortgage rates existing customers current as of March 12, 2024

TypeRateUntilFeeLTV
2 Year Fixed4.99%31/07/26£99560%
2 Year Fixed5.39%31/07/26£060%
5 Year Fixed4.64%31/07/29£99560%
5 Year Fixed4.84%31/07/29£060%

Current NatWest Buy to Let Existing Customer Mortgages – 75% loan to value

Natwest mortgage rates existing customers current as of March 12, 2024

TermRateUntilFeeLTV
2 Year Fixed5.04%31/07/26£99575%
2 Year Fixed5.49%31/07/26£075%
5 Year Fixed4.69%31/07/29£99575%
5 Year Fixed4.94%31/07/29£075%

How will NatWest Mortgages value my property for a product transfer?

The mortgage products available to you form NatWest will depend on your loan to value ratio (the difference between the outstanding balance of your mortgage and your property value).

For properties up to £350,000 in value and loan to value up to 60% NatWest will use house price index valuations. Outside of these limits the Bank will use a range of valuation tools to get an up to date valuation. Where they need to do this the valuation process will be paid for by NatWest.

Early Repayment Charges

Fees current as of March 12, 2024
Product TermPeriodChargesEnd Date
2 year Fixed11.5% until 31/07/202531/07/2026
20.75% until 31/07/2026
5 year Fixed14.5% until 31/07/202531/07/2029
24.25% until 31/07/2026
34.0% until 31/07/2027
42.5% until 31/07/2028
51% until 31/07/2029
2 year tracker10.5% until 31/07/202631/07/2026
20.25% until 31/07/2026

Please confirm ERP situation on your own mortgage with the Lender before you make any overpayment or settlement

When can I secure a new NatWest Mortgage rate?

We can secure you a new rate with NatWest once you are within six months of the expiry of your current rate.

Therefore:

Rate EndsSecure New Rate From
31st December1st July
31st January1st August
28th February1st September
31st March1st October
30th April1st November
31st May1st December
30th June1st January
31st July1st February
31st August1st March
30th September1st April
31st October1st May
30th November1st June