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NatWest Mortgage Product Transfer

NatWest – Existing Customer Mortgage Rates 60% LTV

TypeRateFeeUntil
2 Year Fixed3.93%£99531/07/27
2 Year Fixed4.04%£49531/07/27
2 Year Fixed4.32%£031/07/27
5 Year Fixed3.93%£99531/07/30
5 Year Fixed4.03%£49531/07/30
5 Year Fixed4.11%£031/07/30
TypeRateFeeUntil
2 Year Fixed3.93%£99531/07/27
2 Year Fixed4.04%£49531/07/27
2 Year Fixed4.32%£031/07/27
TypeRateFeeUntil
5 Year Fixed3.93%£99530/06/30
5 Year Fixed4.03%£49530/06/30
5 Year Fixed4.11%£030/06/30

NatWest existing customer mortgage rates as of May 20, 2025

Please note: NatWest do not have a uniform set of rates for product transfers. As of July 2024, each individual customer is now offered their own set of rates to choose from. The rates shown are the lowest we have seen offered currently.

get rate options for your property

call us now on 0208 979 9684
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NatWest – Existing Customer Mortgage Rates 75% LTV

TypeRateFeeUntil
2 Year Fixed4.15%£99531/07/27
2 Year Fixed4.34%£031/07/27
5 Year Fixed4.23%£99531/07/30
5 Year Fixed4.35%£031/07/30
2 Yr Tracker4.80%£99531/07/27
2 Yr Tracker4.17%£031/07/27
TypeRateFeeUntil
2 Year Fixed4.15%£99531/07/27
2 Year Fixed4.34%£031/07/27
2 Yr Tracker4.80%£99531/07/27
2 Yr Tracker5.17%£031/07/27
TypeRateFeeUntil
5 Year Fixed4.23%£99531/07/30
5 Year Fixed4.35%£031/07/30

NatWest existing customer mortgage rates as of May 20, 2025

Please note: NatWest do not have a uniform set of rates for product transfers. As of July 2024, each individual customer is now offered their own set of rates to choose from. The rates shown are the lowest we have seen offered currently.

get rate options for your property

call us now on 0208 979 9684
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NatWest – Existing Customer BTL Mortgage Rates 60% LTV

TypeRateFeeUntil
2 Year Fixed4.04%£99531/08/27
2 Year Fixed4.54%£031/08/27
5 Year Fixed4.08%£99531/08/30
5 Year Fixed4.27%£031/08/30
TypeRateFeeUntil
2 Year Fixed4.04%£99531/07/27
2 Year Fixed4.54%£031/07/27
TypeRateFeeUntil
5 Year Fixed4.08%£99531/07/30
5 Year Fixed4.27%£031/07/30

NatWest existing customer buy to let mortgage rates as of May 20, 2025

Please note: NatWest do not have a uniform set of rates for product transfers. As of July 2024, each individual customer is now offered their own set of rates to choose from. The rates shown are the lowest we have seen offered currently.

get rate options for your property

call us now on 0208 979 9684

NatWest – Existing Customer BTL Mortgage Rates 75% LTV

TypeRateFeeUntil
2 Year Fixed4.24%£99531/08/27
2 Year Fixed4.74%£031/08/27
5 Year Fixed4.28%£99531/08/30
5 Year Fixed4.47%£031/08/30
TypeRateFeeUntil
2 Year Fixed4.24%£99531/07/27
2 Year Fixed4.74%£031/07/27
TypeRateFeeUntil
5 Year Fixed4.28%£99531/07/30
5 Year Fixed4.47%£031/07/30

NatWest existing customer buy to let mortgage rates as of May 20, 2025

Please note: NatWest do not have a uniform set of rates for product transfers. As of July 2024, each individual customer is now offered their own set of rates to choose from. The rates shown are the lowest we have seen offered currently.

get rate options for your property

call us now on 0208 979 9684

Early Repayment Charges

Fees current as of May 20, 2025
Product TermPeriodChargesEnd Date
2 year Fixed11.5% until 31/07/2631/07/27
20.75% until 31/07/27
5 year Fixed14.5% until 31/07/2631/07/30
24.25% until 31/07/27
34.0% until 31/07/28
42.5% until 31/07/29
51% until 31/07/30
2 year tracker10.5% until 31/07/2631/07/27
20.25% until 31/07/27

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
  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

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

Mortgage Product Transfer with another Lender? – click below