NatWest 2 year tracker rate
- Monthly payment
- Where this comes fromMethodThe repayment on £306,000 at 4.97% over 30 years, shown to the pound.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 4.97% (tracker, 2 years)As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
- Initial rate
- Where this comes fromSourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs captured4.97% tracker for 2 yearsAs NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
- APRC
- Where this comes fromMethodThe annual percentage rate of charge for this loan and term (FCA MCOB 10A), with the stated fees paid at completion and the variable rate assumed after the deal.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 4.97% (tracker, 2 years); then 6.99%, the lender’s variable rate today; Arrangement fee £995; Valuation fee £0; CHAPS fee £30; Booking fee: not stated; Cashback £0As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
- Cost over 2 years
- Where this comes fromMethod24 monthly payments, plus the stated fees, less any cashback: what the initial period costs in all.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 4.97% (tracker, 2 years); then 6.99%, the lender’s variable rate today; Arrangement fee £995; Valuation fee £0; CHAPS fee £30; Booking fee: not stated; Cashback £0As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
- Rate after the deal ends
- Where this comes fromSourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs captured6.99%, the lender’s variable rate todayAs NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
- Monthly payment after the deal
- Where this comes fromMethodWhat is still owed after 2 years, repaid over the rest of the term at the lender’s variable rate today (6.99%); that rate can change.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedInitial rate 4.97% (tracker, 2 years); then 6.99%, the lender’s variable rate todayAs NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
- Fees
- Where this comes fromMethodThe fees the lender states, added; its page does not state: booking fee.SourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs capturedArrangement fee £995; Valuation fee £0; CHAPS fee £30; Booking fee: not stated; Cashback £0As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.Arrangement fee £995 · Valuation fee £0 · CHAPS fee £30
- Early repayment charges
- Where this comes fromSourceNatWest mortgage rates (the lender’s own page)ObservedLicencePublished by NatWestAs captured0.5% of the amount repaid early in year 1, then 0.25% in year 2; the deal ends 28 Feb 2029As NatWest publishes it for buying a home at up to 90% loan to value; check it with NatWest before you apply.
- Overpayments
- 20% of outstanding mortgage balance each year without extra charge
- Product name
- 2 year tracker rateTO364526
For your case: A repayment mortgage of £306,000 over 30 years, APRC 6.87%. Total amount payable over the full term £717,146, including fees of £1,025 (the fees the lender states). Repayments: 24 months of £1,637 at 4.97% (tracker), then 336 months of £2,014 at 6.99% (variable). Early repayment charges apply. Rates as NatWest published them on 13 Nov 2026; they are not guaranteed and may have changed by the time you apply.
