Search our mortgage rates
Looking for a new deal on your existing home?
Is your existing NatWest deal coming to an end?
If you are at (or within 3.5 months of) the end of your current deal, search our mortgages for your next deal.
On our Standard Variable Rate (SVR)?
If you are currently on our SVR but want to find a new mortgage deal, search mortgage rates for a new deal.
Want to use your Track and Switch facility?
Find a new mortgage deal on existing home.
Please Note: We no longer offer changes to interest only as a repayment method or additional borrowing on an interest only basis.
£100 Cash back
Want to switch to a new NatWest mortgage deal?
Special offer – £100 Cash back when you switch online to a new fixed rate or tracker rate mortgage deal. Eligibility criteria apply
Existing mortgage customers
If you are borrowing more on an existing mortgage, we have an additional borrowing range you can choose a new deal from.
If you are switching to a new deal and taking additional borrowing at the same time, you can benefit from taking all borrowing on the same rate and you will only pay one product fee.
Changing your mortgage details
Need help with your mortgage?
We are here to help you with every aspect of your mortgage. For example you may want to change the way you repay your mortgage, check your mortgage rate or repayment holidays. Your circumstances may also have changed and your mortgage doesn't suit you any more. If there's anything we can help with, please talk to us.
You can overpay 10% of your mortgage balance each year. This will reduce the amount of interest you pay. If you make regular overpayments you may want to think about an Offset Mortgage.
You may want to change the way you repay your mortgage, check your mortgage rate or repayment holidays - get in touch with us.
Changing your mortgage term
You can have a mortgage up to age 65, or age 70 if you can evidence that you have sufficient income post retirement.
Remember, if you increase your term you’ll pay more interest.
Transfer of title
If you want to add or remove other people to or from your mortgage, just call us and we’ll arrange this.
Trouble paying your mortgage?
You will find lots of helpful information and our contact details on our dedicated ‘Trouble paying your mortgage’ page.
Search our mortgage rates
Helping you pay off your mortgage earlier
Offset flexible mortgage
Find out what offsetting could mean for you and see how much less you could be paying each month if you set your savings against your mortgage.
Offset mortgage at a glance
Overall cost for comparison
Minimum deposit: 20% for capital and interest repayment option
Purpose: Purchase or remortgage
Tools to help you plan
Use our range of tools to help you choose the right mortgage for you. Search our mortgage rates, work out how much you can borrow and how future rate changes could affect your repayments.
Use our Offset flexible mortgage calculator to see how much less you could be paying each month if you set your savings against your mortgage.
Frequently asked questions
What other people are asking us
What if I am having trouble paying my mortgage?
We understand worrying about paying your mortgage either now or in the future can cause a great deal of stress, but it’s important to talk to us now, so please do get in touch.
You will find our contact details and lots of helpful information on our dedicated ‘Trouble paying your mortgage’ page.
What happens when my deal comes to an end?
We'll write to you around three months before your mortgage deal ends with information about the products you'll be eligible to switch to. We'll tell you your existing deal end date and how to go about switching to a new deal.
How do I arrange a new mortgage deal?
You can switch to a new deal if your existing deal is within 3.5 months of ending or if you're paying the Standard Variable Rate. We have exclusive rates available to existing customers. There's no need for a valuation or credit check unless you want to change the valuation we store for your property at the time of the last application.
Please contact us on the details at the bottom of this page.
What is a Higher Lending Charge (HLC)?
The Higher Lending Charge is a fee that reflects the increased risk to the lender when the loan is a large percentage of the value of the property. (The lender may agree that you can add the Higher Lending Charge to your mortgage, although this means that you will pay interest on it). For NatWest, the Higher Lending Charge rate is only applicable for loans over 90.01% Loan to Value (LTV). We will discuss this with you as part of the mortgage appointment if applicable.
An HLC is not applicable to NewBuy mortgages.
Can I move home and keep my current mortgage?
Yes. We can move your mortgage to your new home. There's also the potential to arrange additional borrowing to cover any extra costs for the new property.
Why is the new rate you're offering different to my previous rate?
The rates we offer are related to the Bank of England base rate and interest rates in general. As these rates move up and down over time, the rates we can offer you also move up and down.
We've won more awards
NatWest has been awarded 'Best Bank for Mortgages' for an impressive 20th time in the past 24 years in the 2014 'Your Mortgage' awards and for the 5th year in a row we’ve also won 'Best First Time Buyer Mortgage Lender'.
In addition we've also been awarded 'Best National Bank' for the second year in a row in the 2013 'What Mortgage' awards and for the first time we've been awarded 'Best Lender Customer Service'.
Best First Time Buyer Mortgage Lender
Best National Bank
Protecting your money
With our account monitoring and online fraud protection promise, it's no wonder our customers voted us the UKs most trusted mainstream bank for 2013.
We are a member of the Financial Services Compensation Scheme (FSCS). The Scheme can pay compensation to customers if they are eligible and the Bank is unable to pay claims against it. Compensation limits for Mortgage advice and arranging (for business conducted on or after 31 October 2004) - maximum £50,000 i.e. 100% of first £50,000 per person