Fixed rate
Pay the same amount for a set period
- The interest rate is fixed, so you pay the same amount for a set period – e.g. two or five years.
- This means you'll know exactly how much your payments will be, helping you plan a monthly budget.
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Mortgage rates and types
Compare the different types of mortgages
NatWest mortgages are available to over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
Which mortgage is best for me?
When you're looking for a home, not just any house will do. It's the same with mortgages... Beyond just interest rates and terms, it's important to think of your own personal situation.
We offer a range of mortgages you can compare, to help find what’s right for you.
Tracker rate
A variable rate for a set period
- For a set period, often two, three or five years, your interest rate will rise and fall in line with another interest rate, typically the Bank of England base rate.
- If the rate drops, your monthly payments reduce, but, if the rate goes up, your mortgage payment does too.
More on mortgage interest rates
Learn more about mortgage interest rates, what interest rates are and how they work.
You could buy your new home with just a 5% deposit
With our range of 95% mortgages, you could be moving into your new home sooner than you imagined.
Find out more about 95% mortgages
Exclusions & eligibility criteria apply.
Interest only mortgage
When you have another repayment plan
With an interest-only mortgage your repayments only cover the interest on the amount you borrowed. This means you pay the full amount back at the end of the mortgage term in one lump sum.
Eligibility criteria and specific terms and conditions will apply for interest only mortgages.
Green mortgages
A better deal for a greener property.
If you're purchasing a property with an Energy Performance Certificate (EPC) rating of A or B, you may be able to benefit from a green mortgage.
Eligibility criteria apply.
Standard variable rate
Is your initial rate term over or about to expire?
When your initial mortgage deal is over, the standard variable rate (SVR) is the rate you'll move to, changing your mortgage payments. If you don't want to go onto the SVR, you can shop around towards the end of your current deal, for another mortgage.
95% mortgages
A mortgage with as little as a 5% deposit.
Saving money for a deposit can be difficult. Therefore, purchasing a property with a 95% mortgage, with a deposit as low as 5%, could be a good option.
You could also consider a 90% mortgage, with a 10% deposit.
Cashback mortgages
A little something back when you take out a mortgage.
With a cashback mortgage, you'll receive a little money back once you've taken out your mortgage.
Eligibility criteria apply.
Free valuations
Avoid one of the expenses of buying a home
We may be able to offer you a free standard mortgage valuation when you move home and take a mortgage with us. The offer is only available on selected mortgages marked with 'Free standard valuation'. Exclusions apply.
Buying a property to rent out?
Buy to Let mortgages are similar to standard mortgages, but the interest rates tend to be higher and you may have to put down a bigger deposit.
Buying a property with someone else?
A joint mortgage means you can have a shared mortgage with one other person.
Considering a second home?
If you’re thinking of buying another residential property, like a holiday home, there are additional factors to consider.
Need some help?
