Switch to a new mortgage deal

If your rate is up for renewal, see how we could help

Switch your deal

Ready to switch your mortgage to a different deal, or just want a look at what we have on offer?

Get started by logging in to our 'Manage my Mortgage' system and get a personalised quote in only a few minutes.

Alternatively, if you'd rather talk to someone about switching your mortgage product, you can talk to one of our advisers.

To log in all you'll need is:

Your mortgage account number


Date of birth

Your mortgaged property postcode.

Our mortgage promise...

Quick and easy to renew

Get a personalised quote and apply online within 10 minutes.

No new credit or affordability checks

As long as you're keeping the same mortgage amount, term and repayment type.

No new forms to complete

We know you already so we won't ask for your details again unless you're looking to make any changes.

No new valuation required

We'll use the higher of your property's estimated current value (based on a House Price Index) or the most recent formal valuation to calculate your Loan to Value.

Thinking of borrowing more on your mortgage?

You can apply to borrow more, on the same rate, when you choose a new mortgage deal. Both applications can be done at the same time. Make an appointment with one of our mortgage professionals who can help you further.

Where there is a consent to let on the property, borrowing is restricted to home improvements, raising equity to buy another property or buying out an existing holder/partner.

The following conditions apply:

  • Applications for additional borrowing are subject to the loan to value and must meet our current lending requirements, which include being resident in the UK.
  • Minimum amount is £10,000. (A personal loan could be an option if you need less).
  • Terms available from 3 years up to 40 years (35 if it's an interest only or Buy to Let mortgage). 
  • Additional borrowing is available on a capital and interest repayment basis. You may be able to borrow more on an interest only basis, subject to criteria.

Not sure if you can switch right now?

You can choose to switch online if:

Your current Residential or Buy-to-let mortgage deal is coming to an end.

Your mortgage deal has ended and you're currently paying our Standard Variable Rate (SVR).

You’re happy to choose your new deal yourself without advice.

Information Message

You need to talk to us if:

You would like advice about choosing a new deal.

You're 'in deal' but would like to consider breaking out to switch to a new deal.

You have a NatWest Offset mortgage. 

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Things to consider when choosing your new deal

Whether you're rolling off your current deal or are already on our Standard Variable Rate (SVR), we could have an option to suit your circumstances. You may also want to think about:

  • How important is it that your monthly payment remains the same for an agreed period of time?
  • How you feel about changes in interest rates, and the impact that this could have on your monthly mortgage payment?
  • How you feel about lower monthly payments in the early years, even if they fluctuate?
  • Do you see any changes in your circumstances within the next 2 to 5 years that could impact your finances?

Contact our Mortgage Team

By calling us


0800 096 9527

Relay UK:

18001 0800 096 9527 

Lines are open:

8am - 6pm (Mon - Fri)

9am - 4pm (Sat)

Closed (Sun)

Except bank holidays.

Something else we can help you with?