Effective from Wednesday 24 November 2021

Here’s a full list the changes with product codes in brackets:

New Business

Core Range

Residential

Rate Changes

2 year fixed rate purchase

[FO28370] 60% LTV, increasing by 10bps from 1.23% to 1.33%, product fee £995, cashback £250

[FO28371] 60% LTV, increasing by 14bps from 1.47% to 1.61%, product fee £0, cashback £150

[FO28373] 70% LTV, increasing by 11bps from 1.52% to 1.63%, product fee £0, cashback £150

[FO28372] 70% LTV, increasing by 12bps from 1.28% to 1.40%, product fee £995, cashback £250

[FO28374] 75% LTV, increasing by 12bps from 1.28% to 1.40%, product fee £995, cashback £250

[FO28375] 75% LTV, increasing by 11bps from 1.52% to 1.63%, product fee £0, cashback £150

2 year fixed rate remortgage

[FO28389] 60% LTV, increasing by 10bps from 1.23% to 1.33%, product fee £995, cashback £250

[FO28390] 60% LTV, increasing by 12bps from 1.49% to 1.61%, product fee £0, cashback £150

[FO28391] 70% LTV, increasing by 13bps from 1.27% to 1.40%, product fee £995, cashback £250

[FO28392] 70% LTV, increasing by 5bps from 1.58% to 1.63%, product fee £0, cashback £150

[FO28394] 75% LTV, increasing by 5bps from 1.58% to 1.63%, product fee £0, cashback £150

[FO28393] 75% LTV, increasing by 13bps from 1.27% to 1.40%, product fee £995, cashback £250

5 year fixed rate purchase

[FO28379] 60% LTV, increasing by 10bps from 1.56% to 1.66%, product fee £0, cashback £150

[FO28378] 60% LTV, increasing by 16bps from 1.35% to 1.51%, product fee £995, cashback £250

[FO28381] 70% LTV, increasing by 7bps from 1.66% to 1.73%, product fee £0, cashback £150

[FO28380] 70% LTV, increasing by 7bps from 1.48% to 1.55%, product fee £995, cashback £250

[FO28382] 75% LTV, increasing by 7bps from 1.48% to 1.55%, product fee £995, cashback £250

[FO28383] 75% LTV, increasing by 7bps from 1.66% to 1.73%, product fee £0, cashback £150

[FO28384] 80% LTV, decreasing by 14bps from 1.88% to 1.74%, product fee £995

[FO28386] 85% LTV, decreasing by 6bps from 2.23% to 2.17%, product fee £0

[FO28385] 85% LTV, decreasing by 4bps from 2.03% to 1.99%, product fee £995

[FO28388] 90% LTV, decreasing by 5bps from 2.73% to 2.68%, product fee £0, cashback £150

[FO28387] 90% LTV, decreasing by 7bps from 2.53% to 2.46%, product fee £995

5 year fixed rate remortgage

[FO28397] 60% LTV, increasing by 8bps from 1.58% to 1.66%, product fee £0, cashback £150

[FO28396] 60% LTV, increasing by 13bps from 1.38% to 1.51%, product fee £995, cashback £250

[FO28399] 70% LTV, increasing by 10bps from 1.63% to 1.73%, product fee £0, cashback £150

[FO28398] 70% LTV, increasing by 7bps from 1.48% to 1.55%, product fee £995, cashback £250

[FO28400] 75% LTV, increasing by 7bps from 1.48% to 1.55%, product fee £995, cashback £250

[FO28401] 75% LTV, increasing by 10bps from 1.63% to 1.73%, product fee £0, cashback £150

[FO28402] 80% LTV, decreasing by 16bps from 1.94% to 1.78%, product fee £995

[FO28403] 80% LTV, decreasing by 15bps from 2.29% to 2.14%, product fee £0

[FO28404] 85% LTV, decreasing by 15bps from 2.58% to 2.43%, product fee £995

[FO28405] 85% LTV, decreasing by 15bps from 2.79% to 2.64%, product fee £0

[FO28406] 90% LTV, decreasing by 15bps from 3.29% to 3.14%, product fee £995

[FO28407] 90% LTV, decreasing by 15bps from 3.52% to 3.37%, product fee £0

Rate Changes and Cashback Changes

2 year fixed rate purchase

[FO28376] 90% LTV, decreasing by 5bps from 1.83% to 1.78%, product fee £995, cashback increasing from £0 to £250

2 year fixed rate remortgage

[FO28395] 85% LTV, decreasing by 3bps from 1.61% to 1.58%, product fee £995, cashback increasing from £0 to £250

Cashback Changes

2 year fixed rate purchase

[FO28377] 90% LTV, 2.08%, product fee £0, cashback increasing from £0 to £250

 

First Time Buyer

Residential

Rate Changes

2 year fixed rate purchase

[FO28545] 90% LTV, decreasing by 5bps from 1.82% to 1.77%, product fee £995, cashback £350

5 year fixed rate purchase

[FO28559] 80% LTV, decreasing by 8bps from 1.81% to 1.73%, product fee £995, cashback £350

[FO28535] 85% LTV, decreasing by 4bps from 2.02% to 1.98%, product fee £995, cashback £350

[FO28417] 90% LTV, decreasing by 7bps from 2.52% to 2.45%, product fee £995, cashback £350

Withdrawn

2 year fixed rate purchase

[FO27907] 80% LTV, 1.43%, product fee £995, cashback £350

 

Shared Equity

Residential

Rate Changes

2 year fixed rate purchase

[FO28418] 60% LTV, increasing by 6bps from 1.33% to 1.39%, product fee £995, cashback £400

[FO28420] 60% LTV, increasing by 14bps from 1.57% to 1.71%, product fee £0

Help to Buy: shared equity

Residential

Rate Changes

2 year fixed rate purchase

[FO28423] 60% LTV, increasing by 14bps from 1.57% to 1.71%, product fee £0

[FO28539] 60% LTV, increasing by 6bps from 1.33% to 1.39%, product fee £995, cashback £400

 

Mortgage Guarantee

Residential

Rate Changes and Cashback Changes

2 year fixed rate purchase

[FO28547] 95% LTV, decreasing by 16bps from 3.00% to 2.84%, product fee £0, cashback increasing from £500 to £750

5 year fixed rate purchase

[FO28427] 95% LTV, decreasing by 17bps from 3.25% to 3.08%, product fee £0, cashback increasing from £500 to £750

 

BTL Range

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO28560] 60% LTV, decreasing by 5bps from 1.39% to 1.34%, product fee £995

[FO28534] 70% LTV, decreasing by 10bps from 1.58% to 1.48%, product fee £995

[FO28540] 70% LTV, decreasing by 24bps from 2.07% to 1.83%, product fee £0

[FO28538] 75% LTV, decreasing by 24bps from 2.07% to 1.83%, product fee £0

[FO28435] 75% LTV, decreasing by 10bps from 1.58% to 1.48%, product fee £995

2 year fixed rate remortgage

[FO28580] 60% LTV, increasing by 7bps from 1.59% to 1.66%, product fee £0

[FO28446] 70% LTV, decreasing by 10bps from 1.64% to 1.54%, product fee £995

[FO28448] 75% LTV, decreasing by 10bps from 1.64% to 1.54%, product fee £995

5 year fixed rate purchase

[FO28439] 70% LTV, decreasing by 10bps from 1.86% to 1.76%, product fee £995

[FO28544] 75% LTV, decreasing by 10bps from 1.86% to 1.76%, product fee £995

 

Green Mortgages

Residential

Rate Changes

2 year fixed rate purchase

[FO28450] 60% LTV, increasing by 10bps from 1.22% to 1.32%, product fee £995, cashback £250

[FO28452] 75% LTV, increasing by 12bps from 1.27% to 1.39%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO28459] 60% LTV, increasing by 10bps from 1.22% to 1.32%, product fee £995, cashback £250

[FO28461] 75% LTV, increasing by 13bps from 1.26% to 1.39%, product fee £995, cashback £250

[FO28541] 85% LTV, decreasing by 3bps from 1.60% to 1.57%, product fee £995, cashback £250

5 year fixed rate purchase

[FO28454] 60% LTV, increasing by 16bps from 1.34% to 1.50%, product fee £995, cashback £350

[FO28456] 75% LTV, increasing by 7bps from 1.47% to 1.54%, product fee £995, cashback £350

[FO28543] 85% LTV, decreasing by 4bps from 2.01% to 1.97%, product fee £995, cashback £350

5 year fixed rate remortgage

[FO28465] 60% LTV, increasing by 13bps from 1.37% to 1.50%, product fee £995, cashback £350

[FO28466] 75% LTV, increasing by 7bps from 1.47% to 1.54%, product fee £995, cashback £350

[FO28561] 85% LTV, decreasing by 15bps from 2.49% to 2.34%, product fee £995, cashback £350

BTL Green Mortgages

Buy To Let

New Products

2 year fixed rate purchase

[FO28558] 65% LTV, 1.34%, product fee £995

[FO28548] 75% LTV, 1.47%, product fee £995

2 year fixed rate remortgage

[FO28555] 65% LTV, 1.38%, product fee £995

[FO28478] 75% LTV, 1.53%, product fee £995

5 year fixed rate purchase

[FO28556] 65% LTV, 1.65%, product fee £995

[FO28475] 75% LTV, 1.75%, product fee £995

5 year fixed rate remortgage

[FO28554] 65% LTV, 1.64%, product fee £995

[FO28479] 75% LTV, 1.82%, product fee £995

 

Existing Customer

Core Range

Residential

Rate Changes

2 year fixed rate switcher

[FO28480] 60% LTV, increasing by 4bps from 1.18% to 1.22%, product fee £995

[FO28481] 60% LTV, increasing by 8bps from 1.41% to 1.49%, product fee £0

[FO28482] 70% LTV, increasing by 2bps from 1.24% to 1.26%, product fee £995

[FO28483] 70% LTV, increasing by 7bps from 1.51% to 1.58%, product fee £0

[FO28485] 75% LTV, increasing by 2bps from 1.24% to 1.26%, product fee £995

[FO28552] 75% LTV, increasing by 7bps from 1.51% to 1.58%, product fee £0

[FO28488] 85% LTV, decreasing by 10bps from 2.34% to 2.24%, product fee £0

[FO28487] 85% LTV, decreasing by 6bps from 1.76% to 1.70%, product fee £995

5 year fixed rate switcher

[FO28557] 60% LTV, increasing by 9bps from 1.54% to 1.63%, product fee £0

[FO28550] 70% LTV, increasing by 4bps from 1.64% to 1.68%, product fee £0

[FO28492] 75% LTV, increasing by 4bps from 1.64% to 1.68%, product fee £0

[FO28493] 80% LTV, decreasing by 5bps from 1.92% to 1.87%, product fee £995

[FO28495] 80% LTV, decreasing by 5bps from 2.49% to 2.44%, product fee £0

[FO28496] 85% LTV, decreasing by 15bps from 2.59% to 2.44%, product fee £995

[FO28549] 85% LTV, decreasing by 15bps from 2.89% to 2.74%, product fee £0

[FO28498] 90% LTV, decreasing by 15bps from 3.31% to 3.16%, product fee £995

[FO28499] 90% LTV, decreasing by 15bps from 3.62% to 3.47%, product fee £0

End dates

There are no changes to end dates

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm Tuesday 23 November, 2021.

If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Wednesday 24 November 2021. Requests received after this time will not be considered.

Your email must include in bullet points:

  • Your details – name, company and postcode
  • Customer name
  • Product applying for
  • Amount of mortgage loan
  • Reason for paper application – If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided
  • State whether you were trying to submit via NatWest Intermediary Solutions’ website or the Mortgage Trading Exchange

Paper applications must be signed by all applicants and the original received at the following address by close of business on Friday 26 November 2021 for your rate to be honoured:

FREEPOST NatWest Intermediary Solutions

Mortgage Centre

Cartsdyke Avenue

Greenock

PA15 1ED

For a complete listing of all our mortgage products, please visit the product page on our web site.