NatWest mortgage rates today Updated every night.
40 NatWest deals for buying a home, from 4.33%. Each one set beside the lowest from the 10 other lenders we read, with what it costs a month for your deposit. No broker, no commission.
- Lowest rate
- 4.33%
- Deals for buying a home
- 40
- Loan to value
- 60% to 95%
- Read from its site
- 12 Nov 2026
NatWest 2 year fixed mortgage rates
NatWest’s lowest 2-year fix at each loan to value, beside the lowest from the 10 other lenders here.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 4.87% | 2 year fixed rate - Online Only£1,495 fee | The lowest here |
| 75% LTV25% deposit | 5.04% | 2 year fixed rate - Online Only£1,495 fee | 5.00%Yorkshire Building Society |
| 85% LTV15% deposit | 5.18% | 2 year fixed rate - Online Only£1,495 fee | 5.10%Yorkshire Building Society |
| 90% LTV10% deposit | 5.28% | 2 year fixed rate£995 fee | 5.23%Santander |
| 95% LTV5% deposit | 5.75% | 2 year fixed rateno fee | 5.52%Leeds Building Society |
NatWest 5 year fixed mortgage rates
NatWest’s lowest 5-year fix at each loan to value, beside the lowest from the 10 other lenders here.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 4.87% | 5 year fixed rate - Online Only£1,495 fee | 4.82%Barclays |
| 75% LTV25% deposit | 4.99% | 5 year fixed rate - Online Only£1,495 fee | 4.88%Barclays |
| 85% LTV15% deposit | 5.12% | 5 year fixed rate - Online Only£1,495 fee | 5.00%Barclays |
| 90% LTV10% deposit | 5.24% | 5 year fixed rate£995 fee | 5.00%Barclays |
| 95% LTV5% deposit | 5.68% | 5 year fixed rateno fee | 5.58%Skipton Building Society |
NatWest tracker mortgage rates
NatWest’s lowest tracker at each loan to value, beside the lowest from the 10 other lenders here. A tracker moves with Bank Rate; each rate is NatWest’s own, already at today’s Bank Rate.
| Loan to value | Lowest rate | Deal | Lowest from any lender here |
|---|---|---|---|
| 60% LTV40% deposit | 4.33% | 2 year tracker rate£995 fee | 4.08%Santander |
| 75% LTV25% deposit | 4.44% | 2 year tracker rate£995 fee | 4.20%Santander |
| 85% LTV15% deposit | 4.66% | 2 year tracker rate£995 fee | 4.30%Santander |
| 90% LTV10% deposit | 4.97% | 2 year tracker rate£995 fee | 4.91%Nationwide Building Society |
NatWest mortgage rate changes
Every change NatWest made to the rates it publishes for buying a home in the last 4 weeks, read from its own site each night: 10 rates raised, 30 new deals and 30 deals withdrawn. Newest first.
Show all 14 changes
| Lender and deal | Read on | Loan to value | Was | Now | Change |
|---|---|---|---|---|---|
| NatWest2 year fixed rate, 2-year fixed | 12 Nov 2026 | 60% to 95% | New | 4.92% to 5.75% | New deal |
| NatWest2 year fixed rate - Online Only, 2-year fixed | 12 Nov 2026 | 60% to 85% | New | 4.87% to 5.18% | New deal |
| NatWest5 year fixed rate, 5-year fixed | 12 Nov 2026 | 60% to 95% | New | 4.92% to 5.68% | New deal |
| NatWest5 year fixed rate - Online Only, 5-year fixed | 12 Nov 2026 | 60% to 85% | New | 4.87% to 5.12% | New deal |
| NatWest2 year fixed rate, 2-year fixed | 12 Nov 2026 | 60% to 95% | On its page | Not on its page | Withdrawn |
| NatWest2 year fixed rate - Online Only, 2-year fixed | 12 Nov 2026 | 60% to 85% | On its page | Not on its page | Withdrawn |
| NatWest5 year fixed rate, 5-year fixed | 12 Nov 2026 | 60% to 95% | On its page | Not on its page | Withdrawn |
| NatWest5 year fixed rate - Online Only, 5-year fixed | 12 Nov 2026 | 60% to 85% | On its page | Not on its page | Withdrawn |
| NatWest2 year tracker rate, 2-year tracker | 9 Nov 2026 | 60% to 90% | 4.08% to 4.95% | 4.33% to 5.20% | Up 0.25points |
| NatWest2 year fixed rate, 2-year fixed | 9 Nov 2026 | 60% to 95% | 6.74% | 6.99% | Up 0.25points, rate after the deal |
| NatWest2 year fixed rate - Online Only, 2-year fixed | 9 Nov 2026 | 60% to 85% | 6.74% | 6.99% | Up 0.25points, rate after the deal |
| NatWest2 year tracker rate, 2-year tracker | 9 Nov 2026 | 60% to 90% | 6.74% | 6.99% | Up 0.25points, rate after the deal |
| NatWest5 year fixed rate, 5-year fixed | 9 Nov 2026 | 60% to 95% | 6.74% | 6.99% | Up 0.25points, rate after the deal |
| NatWest5 year fixed rate - Online Only, 5-year fixed | 9 Nov 2026 | 60% to 85% | 6.74% | 6.99% | Up 0.25points, rate after the deal |
NatWest mortgage calculator: what you would pay
The monthly repayment on a £300,000 home over 30 years at NatWest’s lowest 2-year fixed rate for each deposit. Your own price, deposit and term are worked out in the comparison, with fees and the rate after the deal.
| Deposit | Loan | Rate | Monthly payment |
|---|---|---|---|
| 5% deposit£15,000 | £285,000 | 5.75%NatWest | £1,663 |
| 10% deposit£30,000 | £270,000 | 5.28%NatWest | £1,496 |
| 15% deposit£45,000 | £255,000 | 5.18%NatWest | £1,397 |
| 25% deposit£75,000 | £225,000 | 5.04%NatWest | £1,213 |
| 40% deposit£120,000 | £180,000 | 4.87%NatWest | £952 |
Every NatWest mortgage deal
All 40 deals NatWest publishes for buying a home, as its own site showed them on 12 November 2026, by length of deal and loan to value.
Show all 40 deals
| Deal | Up to | Rate | Then | Fee |
|---|---|---|---|---|
| NatWest2 year fixed rate - Online Only · £1,495 fee | 60% LTV | 4.87%2-year fixed | 6.99% | £1,495 |
| NatWest2 year fixed rate · £995 fee | 60% LTV | 4.92%2-year fixed | 6.99% | £995 |
| NatWest2 year fixed rate · no fee | 60% LTV | 5.16%2-year fixed | 6.99% | No fee |
| NatWest2 year fixed rate - Online Only · £1,495 fee | 75% LTV | 5.04%2-year fixed | 6.99% | £1,495 |
| NatWest2 year fixed rate · £995 fee | 75% LTV | 5.09%2-year fixed | 6.99% | £995 |
| NatWest2 year fixed rate · no fee | 75% LTV | 5.29%2-year fixed | 6.99% | No fee |
| NatWest2 year fixed rate - Online Only · £1,495 fee | 80% LTV | 5.15%2-year fixed | 6.99% | £1,495 |
| NatWest2 year fixed rate · £995 fee | 80% LTV | 5.20%2-year fixed | 6.99% | £995 |
| NatWest2 year fixed rate · no fee | 80% LTV | 5.43%2-year fixed | 6.99% | No fee |
| NatWest2 year fixed rate - Online Only · £1,495 fee | 85% LTV | 5.18%2-year fixed | 6.99% | £1,495 |
| NatWest2 year fixed rate · £995 fee | 85% LTV | 5.23%2-year fixed | 6.99% | £995 |
| NatWest2 year fixed rate · no fee | 85% LTV | 5.47%2-year fixed | 6.99% | No fee |
| NatWest2 year fixed rate · £995 fee | 90% LTV | 5.28%2-year fixed | 6.99% | £995 |
| NatWest2 year fixed rate · no fee | 90% LTV | 5.49%2-year fixed | 6.99% | No fee |
| NatWest2 year fixed rate · no fee | 95% LTV | 5.75%2-year fixed | 6.99% | No fee |
| NatWest5 year fixed rate - Online Only · £1,495 fee | 60% LTV | 4.87%5-year fixed | 6.99% | £1,495 |
| NatWest5 year fixed rate · £995 fee | 60% LTV | 4.92%5-year fixed | 6.99% | £995 |
| NatWest5 year fixed rate · no fee | 60% LTV | 5.05%5-year fixed | 6.99% | No fee |
| NatWest5 year fixed rate - Online Only · £1,495 fee | 75% LTV | 4.99%5-year fixed | 6.99% | £1,495 |
| NatWest5 year fixed rate · £995 fee | 75% LTV | 5.04%5-year fixed | 6.99% | £995 |
| NatWest5 year fixed rate · no fee | 75% LTV | 5.19%5-year fixed | 6.99% | No fee |
| NatWest5 year fixed rate - Online Only · £1,495 fee | 80% LTV | 5.06%5-year fixed | 6.99% | £1,495 |
| NatWest5 year fixed rate · £995 fee | 80% LTV | 5.11%5-year fixed | 6.99% | £995 |
| NatWest5 year fixed rate · no fee | 80% LTV | 5.27%5-year fixed | 6.99% | No fee |
| NatWest5 year fixed rate - Online Only · £1,495 fee | 85% LTV | 5.12%5-year fixed | 6.99% | £1,495 |
| NatWest5 year fixed rate · £995 fee | 85% LTV | 5.17%5-year fixed | 6.99% | £995 |
| NatWest5 year fixed rate · no fee | 85% LTV | 5.31%5-year fixed | 6.99% | No fee |
| NatWest5 year fixed rate · £995 fee | 90% LTV | 5.24%5-year fixed | 6.99% | £995 |
| NatWest5 year fixed rate · no fee | 90% LTV | 5.34%5-year fixed | 6.99% | No fee |
| NatWest5 year fixed rate · no fee | 95% LTV | 5.68%5-year fixed | 6.99% | No fee |
| NatWest2 year tracker rate · £995 fee | 60% LTV | 4.33%2-year tracker | 6.99% | £995 |
| NatWest2 year tracker rate · no fee | 60% LTV | 4.90%2-year tracker | 6.99% | No fee |
| NatWest2 year tracker rate · £995 fee | 75% LTV | 4.44%2-year tracker | 6.99% | £995 |
| NatWest2 year tracker rate · no fee | 75% LTV | 5.00%2-year tracker | 6.99% | No fee |
| NatWest2 year tracker rate · £995 fee | 80% LTV | 4.66%2-year tracker | 6.99% | £995 |
| NatWest2 year tracker rate · no fee | 80% LTV | 5.15%2-year tracker | 6.99% | No fee |
| NatWest2 year tracker rate · £995 fee | 85% LTV | 4.66%2-year tracker | 6.99% | £995 |
| NatWest2 year tracker rate · no fee | 85% LTV | 5.15%2-year tracker | 6.99% | No fee |
| NatWest2 year tracker rate · £995 fee | 90% LTV | 4.97%2-year tracker | 6.99% | £995 |
| NatWest2 year tracker rate · no fee | 90% LTV | 5.20%2-year tracker | 6.99% | No fee |
NatWest mortgage rates: your questions
What are NatWest’s mortgage rates today?
NatWest’s lowest rate for buying a home today is 4.33%, its 2-year tracker at up to 60% LTV, with a £995 fee. With a 10% deposit its lowest is 4.97% (2-year tracker). With a 5% deposit, 5.68% (5-year fixed). Read from NatWest’s own site on 12 November 2026.
Has NatWest cut or raised its mortgage rates?
It has raised them: on 9 November 2026 NatWest raised its 2 year tracker rate (2-year tracker) by 0.25 points at 60% to 90% LTV, to 4.33% to 5.20%. In the last 4 weeks it cut 0 rates and raised 10 rates for buying a home, read from its own site each night.
Does NatWest offer 95% mortgages?
Yes: NatWest publishes deals up to 95% loan to value, so a 5% deposit. Its lowest today is 5.68%, a 5-year fixed with no product fee: about £1,651 a month on a £300,000 home over 30 years.
What rate does NatWest charge after the deal ends?
Most NatWest deals move to 6.99% when the initial rate ends, the variable rate it charges today. That rate can change, and it is what the comparison uses for the payment after the deal.
Does NatWest charge a mortgage product fee?
NatWest publishes deals with no fee, £995, £1,495 product fees. A fee usually buys a lower rate; whether it pays depends on the size of the loan, which the comparison’s true cost works out.
Does NatWest have early repayment charges?
Yes, on its fixed deals: NatWest’s 2-year fixes charge 1.5% in year 1 and 0.75% in year 2 of what is repaid early, as most UK lenders do. Each deal’s own schedule is in the comparison’s More info.
Does NatWest lend on new-build homes?
Its published rates for buying a home set no new-build exclusion, so every deal here is shown. A lender checks the home itself before it lends, as it does for any purchase.
Where do these mortgage rates come from?
From each lender’s own website, read every night by NewHomeSearch: 11 UK lenders, their rates, fees, loan to value bands and early repayment charges exactly as they publish them for buying a home. We are not a broker, take no commission and rank nothing for payment, so every deal is shown on the same terms, sorted by its numbers. Rates change, and a lender decides who it lends to: check a deal with the lender before you apply.
Your next step
Work out NatWest’s deals for your price and depositHow we read the rates
- From each lender’s own website, every night. 11 UK lenders, read at 02:45 UTC; this page’s rates were read on 12 Nov 2026. Every rate links the page it came from.
- No broker, no commission, no paid placings. Nothing here is ranked for money, so every deal is shown on the same terms, sorted by its numbers.
- Only deals that lend on new-build homes. Every home on NewHomeSearch is a new build, so a deal its lender keeps from new builds is never shown.
- The sums done for you. Monthly payments, the true cost over the deal and the APRC are worked out with the lender’s own fees, in the comparison, for your price and deposit.
An illustration, not advice: rates change, and a lender decides who it lends to. Check a deal with the lender before you apply. How NewHomeSearch reads the lenders’ sites.