Switch to a new mortgage deal

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

Get started on switching your mortgage

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

Why keep your mortgage with NatWest?

We know you

We won’t have to carry out any credit or affordability checks. There’s also no lending decision or valuation required.

Getting a quote is quick

If you choose to go online, you can see the range of mortgage deals available to you and view your new monthly payment in under 5 minutes.

Submitting your request is easy

When you’re ready to switch, you can do so over the phone or simply select your new deal and submit your request online.

Sign documents electronically

We'll email your paperwork which can be signed and returned online. Your new rate will then switch automatically when the current one ends.

Not sure if you can switch right now?

You need to talk to us if

You would like advice about choosing a new deal.

You have a NatWest Offset mortgage.

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You can choose to switch online if

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

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).

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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?