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Mortgage rates

NatWest mortgages are available to over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

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Currently showing x first time buyer rates based on your xx% loan-to-valueinline for a mortgage of x.

Currently showing all rates.

Use our mortgage rate finder to compare our mortgage rates and the monthly payments.

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What is Shared Equity?

With a Shared Equity mortgage, you'll receive an equity loan which we'll treat as part of your deposit. This loan is repaid either on the sale of the property or the end of the mortgage term, whichever comes first.

We don't currently offer Shared Equity schemes online, so please either give us a call or visit us in branch.

Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527

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What is Shared Equity?

We don't currently offer Shared Equity schemes online, so please either give us a call or visit us in branch.

Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527

{{/if}} {{if mortgageUtil._fnGreenMortAddEcpText(label,"Help to Buy Shared Equity - Cashback","none") === true}}

What is Help to Buy

Help to Buy is a UK Government initiative to help people buy a new build property.

For further info, please visit:

https://www.gov.uk/affordable-home-ownership-schemes/help-to-buy-equity-loan

Link opens in a new tab.

We don't currently offer Help to Buy Shared Equity online, so please give us a call or visit us in branch.

Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527

{{/if}} {{if mortgageUtil._fnGreenMortAddEcpText(label,"Help to Buy Shared Equity","none") === true}}

What is Help to Buy?

Help to Buy is a UK Government initiative to help people buy a new build property.

For further info, please visit:

https://www.gov.uk/affordable-home-ownership-schemes/help-to-buy-equity-loan

Link opens in a new tab.

We don't currently offer Help to Buy Shared Equity online, so please give us a call or visit us in branch.

Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527

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What is the Mortgage Guarantee Scheme?

The Mortgage Guarantee Scheme is a UK Government initiative to help people with a low deposit buy a property.

For further info and eligibility, please visit our Mortgage Guarantee Scheme pages (link opens in a new tab).

We don't currently offer the Mortgage Guarantee Scheme online, so please either give us a call or visit us in branch.

Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527

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Requires Energy Performance Certificate rating A or B

This product is only available for properties with an Energy Performance Certificate (EPC) rating of A or B.

To check the rating of the property please visit:

EPC Register in England, Wales and Northern Ireland.

Scottish EPC Register in Scotland.

Links open in a new tab.

{{/if}} {{if mortgageUtil._fnGreenMortAddEcpText(label,"Green Mortgage","none") === true}}

Requires Energy Performance Certificate rating A or B

This product is only available for properties with an Energy Performance Certificate (EPC) rating of A or B.

To check the rating of the property please visit:

EPC Register in England, Wales and Northern Ireland.

Scottish EPC Register in Scotland.

Links open in a new tab.

{{/if}} {{if mortgageUtil._fnGreenMortAddEcpText(label,"Mortgage Guarantee Scheme","none") === true}}

What is the Mortgage Guarantee Scheme?

The Mortgage Guarantee Scheme is a UK Government initiative to help people with a low deposit buy a property.

For further info and eligibility, please visit our Mortgage Guarantee Scheme pages (link opens in a new tab).

We don't currently offer the Mortgage Guarantee Scheme online, so please either give us a call or visit us in branch.

Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527

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Phone

Video

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Legal fees paid

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Standard free valuation

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Phone

video

View deal

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Overview

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Initial rate and cost

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Initial monthly payments

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Date the initial rate ends

Follow-on rate

Rate after initial period ends

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Features

Cashback

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Overpayments

Early repayments

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Option to switch to fixed rate

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Valuation fee

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Legal fees

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Requirements

Minimum loan amount

Minimum deposit

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Ways to apply

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Telephone
Video

Next steps

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Get an Agreement in Principle

Or, get in touch with a mortgage professional

Get in touch with a mortgage professional

Back to products page

Your home or property may be repossessed if you do not keep up repayments on your mortgage.
All figures provided are for illustrative purposes only. This will be dependant on your financial situation, property value and the size of your deposit or equity.
This is not a formal quotation or a commitment to lend.
Borrowing amounts greater than £500,000 are subject to additional lending criteria.

Your next steps

Find out what we could offer you

Get a personalised indication of how much you could borrow in less than 10 minutes. It won't impact your credit score.

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We're on hand to arrange a phone or video call with one of our qualified mortgage professionals. We can also help with any general queries about the process.

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Compare mortgage rates

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Below is a mortgage summary for the mortgage product you've selected. If you want a more accurate measure of how much you could borrow, an Agreement in Principle takes less than 10 minutes to complete and it doesn't impact your credit score.

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On this page

Overview

Initial rate and cost

Get an Agreement in Principle

Product details page

Overview

Mortgage type

Loan to value

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Product fee

Initial rates and costs

Initial rate

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Initial monthly payments

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Follow-on rate

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Features

Cashback

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Overpayments

Early repayment charge

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Option to switch to fixed rate

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Valuation fee

Legal fees

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Requirements

Minimum loan amount

Minimum deposit

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Eligibility

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Ways to apply

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Your home or property may be repossessed if you do not keep up repayments on your mortgage.

All figures provided are for illustrative purposes only. This will be dependant on your financial situation, property value and the size of your deposit or equity.

This is not a formal quotation or a commitment to lend.

Borrowing amounts greater than £500,000 are subject to additional lending criteria.

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The rates available are subject to change and you must choose from the rates available on the day you submit your application.

You must meet product eligibility criteria to apply for your selected product. Some of the rates below are only available if you apply online and others can be applied for over the phone or via video appointment with a mortgage adviser.

Buy to Let? We have tools and guidance designed to help you complete your mortgage application online. If you own 4 or more buy to let properties or you need additional assistance due to your personal circumstances, please get in touch so we can try to support you.

Already got a mortgage with us?

Want to move home?

You could take your mortgage with you. Most of our mortgages can be moved to your new home, avoiding early repayment fees if you're still on a deal. This is called 'porting'... move home more easily with us

Wanting to remortgage? Or looking for a new mortgage deal?

Is your current mortgage deal ending? If you want to look at your options for switching your current mortgage rate to a new deal with us, you can get started by logging in to Manage your Mortgage.

Mortgage rate FAQs

What is a mortgage interest rate?

A mortgage interest rate is a percentage fee charged on a mortgage loan by a lender – effectively the ‘cost’ of borrowing the money (plus any other applicable fees). You can learn more about how mortgage interest rates work.

Are mortgage rates going up?

Mortgage lenders consider a range of factors when deciding what interest rates they can offer. We can't say for sure if our rates will rise or fall in the future, and we also can't speak for rates offered by other lenders.

Can mortgage interest rates change?

Yes, the interest rates in this tool are subject to change. If you apply for a mortgage with us, you will need to choose from the mortgage interest rates available on the day of your application.

Your mortgage interest rate can also change if you already have a mortgage, unless you currently have a fixed rate deal. You can learn more about what can cause mortgage interest rates to change.

What are the different types of mortgage interest rate?

There are various different types of mortgage interest rates, including fixed rate mortgages and tracker rate mortgages. Learn about them and other types of mortgage interest rates on our mortgage comparison webpage.

Information Message

A more personalised indication of our mortgage rates

If you'd like a more formalised indication of what we could offer you, you can request a free Agreement in Principle.

Get an Agreement in Principle

Information Message

Representative example

Fixed rate

A mortgage of £153,732.00 payable over 25 years initially on a fixed rate for 2 years at 4.04% and then our variable rate of 7.74% for the remaining 23 years would require 24 monthly payments of £814.85 and 276 monthly payments of £1,136.41.

The total amount payable would be £334,254.16 made up of the loan amount of £153,732.00 plus interest of £180,522.16. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.

The overall cost for comparison is 7.3% APRC representative.

Tracker rate

A mortgage of £153,732.00 payable over 25 years initially on a tracker rate for 2 years at 0.77% above the National Westminster Bank Plc’s base rate then our variable rate of 7.74% for the remaining 23 years would require 24 monthly payments of £945.89 and 276 monthly payments of £1,147.07.

The total amount payable would be £340,377.59 made up of the loan amount of £153,732.00 plus interest of £186,645.59. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.

The overall cost for comparison is 7.6% APRC representative.