Remortgage your home with us
NatWest mortgages are available to over 18s. Your home may be repossessed if you do not keep up repayments on your mortgage.
Start exploring your remortgaging options
Getting ready to apply
Finding the right remortgage deal
The best place to start is our remortgage calculator. Use it to compare our range of mortgages and to see what your monthly repayments might be.
Simply choose the 'planning to remortgage' option as you move through our calculator, to see an indication of the remortgage rates we may be able to offer you.
If you've already used a remortgage calculator, the next best step could be getting an Agreement in Principle.
What is a remortgage and why do it?
What is a remortgage?
A remortgage is when you change the mortgage you currently have on your property, by moving it to a new lender.
If you're coming to the end of your mortgage deal, you may want to consider a new deal with your current lender or a new lender. If you don't, you will typically move onto your lender's Standard Variable Rate (SVR), which may prove more expensive in the long run.
Already have your mortgage with us?
Instead of remortgaging, you could switch to a new deal with us...
There's a number of reasons that you may want to remortgage, here are some common ones.
- Your current mortgage deal is due to finish
- You're currently on or within three months of moving onto your lender's Standard Variable Rate (SVR) and want to lock in a better rate
- You want to borrow more money against your home
- You want to release equity on your home
- You want to change the number of years remaining on your mortgage
You can learn more about why UK homeowners remortgage from the results of our 2020 survey.
Rewarding you for helping the environment.
For customers with energy efficient homes, we're offering discounted 2 year or 5 year fixed rate mortgages when you move your mortgage to us.
If you have a home with a valid Energy Performance Certificate (EPC) rating of A or B, you could be eligible to select a Green Remortgage product. Product fees apply.
The offer is only available on selected mortgages marked with ‘Green Remortgage’ and can be changed or withdrawn at any point. Max LTV 85%. Find out more about green mortgages
Get a personalised indication of how much you could borrow, compare our mortgage rates and find out what the saving could be with an Agreement in Principle. Early repayment charges may apply.
Why choose NatWest?
We'll pay our legal and valuation fees for a standard remortgage. There may be instances where you do not qualify for this. Please speak to us if you require any information in this regard.
You can upload, sign and see all your documents online with our paperless online application.
No product fee on selected mortgages.
NatWest was awarded 'Best Remortgage Lender 2021' by Your Mortgage
5 chances to win £5,000 Cash
Enter our free prize draw using the online entry form for a chance to win one of our 5 prizes of £5,000 in cash.
Closing date 16th May 2022. One entry per person. Five prizes available – one prize per winner. UK residents & over 18s only. Excludes Northern Ireland.
Frequently asked remortgage questions
My current mortgage deal is ending soon. When should I remortgage?
It's generally a good idea to start looking for a remortgage around three months before your current mortgage deal ends. This should give you enough time to research the different options available and complete the application process to ensure your remortgage deal begins alongside your previous deal ending.
Can I remortgage early?
You can remortgage at any time, but it only really makes sense to do so when it works to your advantage.
While most remortgage when they get to the end of a mortgage deal, it could be advantageous to remortgage earlier if you could achieve a lower interest rate, or if you've built up a certain amount of equity in your home.
The decision on when to remortgage comes down to a consideration of costs and benefits. If you want to remortgage before a fixed rate deal comes to an end for example, you'll probably have to pay early repayment charges or fees. These costs would often outweigh the potential benefits of remortgaging.