NatWest - Existing Customer Rates 60% LTV
- All
- 2 Years
- 5 years
Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 5 years Fixed | 3.86% | 31 Dec 30 | £995 | Apply |
| 2 years Fixed | 3.87% | 31 Dec 27 | £995 | Apply |
| 5 years Fixed | 3.96% | 31 Dec 30 | £495 | Apply |
| 2 years Fixed | 3.97% | 31 Dec 27 | £495 | Apply |
| 5 years Fixed | 4.01% | 31 Dec 30 | 0 | Apply |
| 2 years Fixed | 4.20% | 31 Dec 27 | 0 | Apply |
| 2 years Tracker | 4.35% | 31 Dec 27 | £995 | Apply |
| 2 years Tracker | 4.72% | 31 Dec 27 | 0 | Apply |
NatWest - Existing Customer Rates 60% LTV at September 23, 2025
NatWest - Existing Customer Rates 75% LTV
- All
- 2 Years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 5 years Fixed | 3.96% | 31 Dec 30 | £995 | Apply |
| 2 years Fixed | 3.97% | 31 Dec 27 | £995 | Apply |
| 5 years Fixed | 4.06% | 31 Dec 30 | £495 | Apply |
| 2 years Fixed | 4.07% | 31 Dec 27 | £495 | Apply |
| 5 years Fixed | 4.11% | 31 Dec 30 | 0 | Apply |
| 2 years Fixed | 4.30% | 31 Dec 27 | 0 | Apply |
| 2 years Tracker | 4.45% | 31 Dec 27 | £995 | Apply |
| 2 years Tracker | 4.82% | 31 Dec 27 | 0 | Apply |
NatWest - Existing Customer Rates 75% LTV at September 23, 2025
Please note: NatWest do not have a uniform set of rates for product transfers. Each individual customer is now offered their own set of rates to choose from.
The rates shown are the lowest we have seen currently offered.
Call us on 0208 979 9684 or click here to obtain your personalised list of NatWest product transfer rates
NatWest - Existing Customer BTL Rates 60% LTV
- All
- 2 Years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 3.99% | 31 Dec 27 | £995 | Apply |
| 5 years Fixed | 4.04% | 31 Dec 30 | £995 | Apply |
| 5 years Fixed | 4.23% | 31 Dec 30 | 0 | Apply |
| 2 years Fixed | 4.39% | 31 Dec 27 | 0 | Apply |
NatWest - Existing Customer BTL Rates 60% LTV at September 23, 2025
NatWest - Existing Customer BTL Rates 75% LTV
- All
- 2 Years
- 5 years
| Type
|
Rate
|
Until
|
Product Fee
|
|
|---|---|---|---|---|
| 2 years Fixed | 4.09% | 31 Dec 27 | £995 | Apply |
| 5 years Fixed | 4.14% | 31 Dec 30 | £995 | Apply |
| 5 years Fixed | 4.33% | 31 Dec 30 | 0 | Apply |
| 2 years Fixed | 4.49% | 31 Dec 27 | 0 | Apply |
NatWest - Existing Customer BTL Rates 75% LTV at September 23, 2025
- FREE email alerts
- Upcoming rate changes
- The best mortgage rate
- Protection against rate rises
- No obligation
Early Repayment Charges
Fees current as of September 23, 2025| Product Term | Period | Charges | End Date |
| 2 year Fixed | 1 | 1.5% until 30/11/26 | 30/11/27 |
| 2 | 0.75% until 30/11/27 | ||
| 5 year Fixed | 1 | 4.5% until 30/11/26 | 30/11/30 |
| 2 | 4.25% until 30/11/27 | ||
| 3 | 4.0% until 30/11/28 | ||
| 4 | 2.5% until 30/11/29 | ||
| 5 | 1% until 30/11/30 | ||
| 2 year tracker | 1 | 0.5% until 30/11/26 | 30/11/27 |
| 2 | 0.25% until 30/11/27 |
Please confirm ERP situation on your own mortgage with the Lender before you make any overpayment or settlement
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
- To contact our Team you can call us or use our secure online NatWest Product Transfer Form
- We will check your NatWest Mortgage Product options and email a full list to you on a single sheet
- Our experienced Team will be available to give you any help you need in deciding your best option
- Once you have made a decision our Team will request a mortgage offer for you based on the new rate
- You will receive an email with a link to approve your offer online
Book early
In the current market, there is a definite advantage in booking your NatWest mortgage 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 mortgage rates then rise, your newly secured NatWest mortgage rate is held for you.
If mortgage rates fall, you can swap a reserved mortgage rate to the new lower rate at no cost.
When can I secure a new NatWest Mortgage rate?
We can secure you a new rate with NatWest once you are within four months of the expiry of your current rate.
Therefore:
| Rate Ends | Secure New Rate From |
| 31st December | 1st September |
| 31st January | 1st October |
| 28th February | 1st November |
| 31st March | 1st December |
| 30th April | 1st January |
| 31st May | 1st February |
| 30th June | 1st March |
| 31st July | 1st April |
| 31st August | 1st May |
| 30th September | 1st June |
| 31st October | 1st July |
| 30th November | 1st August |
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 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.
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