Effective from Thursday 9 December 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

[FO28810] 60% LTV, increasing by 10bps from 1.33% to 1.43%, product fee £995, cashback £250

[FO28811] 75% LTV, increasing by 3bps from 1.45% to 1.48%, product fee £995, cashback £250

2 year tracker rate remortgage

[TO5511] 75% LTV, increasing by 7bps from 0.82% to 0.89%, product fee £1,495, cashback £250

Shared Equity

Residential

Rate Changes

2 year fixed rate purchase

[FO28813] 60% LTV, increasing by 7bps from 1.71% to 1.78%, product fee £0

[FO28812] 60% LTV, increasing by 11bps from 1.39% to 1.50%, product fee £995, cashback £400

[FO28814] 70% LTV, increasing by 15bps from 1.48% to 1.63%, product fee £995, cashback £500

[FO28815] 70% LTV, increasing by 5bps from 1.83% to 1.88%, product fee £0

[FO28816] 75% LTV, increasing by 15bps from 1.48% to 1.63%, product fee £995, cashback £500

[FO28817] 75% LTV, increasing by 5bps from 1.83% to 1.88%, product fee £0

5 year fixed rate purchase

[FO28818] 60% LTV, increasing by 9bps from 1.62% to 1.71%, product fee £995, cashback £250

Help to Buy: shared equity

Residential

Rate Changes

2 year fixed rate purchase

[FO28820] 60% LTV, increasing by 7bps from 1.71% to 1.78%, product fee £0

[FO28819] 60% LTV, increasing by 11bps from 1.39% to 1.50%, product fee £995, cashback £400

[FO28821] 70% LTV, increasing by 15bps from 1.48% to 1.63%, product fee £995, cashback £500

[FO28822] 70% LTV, increasing by 5bps from 1.83% to 1.88%, product fee £0

[FO28823] 75% LTV, increasing by 15bps from 1.48% to 1.63%, product fee £995, cashback £500

[FO28824] 75% LTV, increasing by 5bps from 1.83% to 1.88%, product fee £0

2 year fixed rate remortgage

[FO28827] 60% LTV, increasing by 15bps from 1.90% to 2.05%, product fee £0, cashback £500

[FO28826] 60% LTV, increasing by 5bps from 1.55% to 1.60%, product fee £995, cashback £500

5 year fixed rate purchase

[FO28825] 60% LTV, increasing by 9bps from 1.62% to 1.71%, product fee £995, cashback £250

5 year fixed rate remortgage

[FO28829] 60% LTV, increasing by 15bps from 1.98% to 2.13%, product fee £0, cashback £500

[FO28828] 60% LTV, increasing by 10bps from 1.68% to 1.78%, product fee £995, cashback £500

BTL Range

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO28830] 60% LTV, increasing by 5bps from 1.34% to 1.39%, product fee £995

[FO28831] 70% LTV, increasing by 5bps from 1.48% to 1.53%, product fee £995

[FO28832] 75% LTV, increasing by 5bps from 1.48% to 1.53%, product fee £995

2 year fixed rate remortgage

[FO28833] 60% LTV, increasing by 5bps from 1.38% to 1.43%, product fee £995

[FO28834] 60% LTV, increasing by 5bps from 1.66% to 1.71%, product fee £0

[FO28835] 70% LTV, increasing by 5bps from 1.73% to 1.78%, product fee £0

[FO28836] 75% LTV, increasing by 5bps from 1.73% to 1.78%, product fee £0

Green Mortgages

Residential

Rate Changes

2 year fixed rate purchase

[FO28837] 75% LTV, increasing by 5bps from 1.39% to 1.44%, product fee £995, cashback £250

2 year fixed rate remortgage

[FO28840] 60% LTV, increasing by 5bps from 1.32% to 1.37%, product fee £995, cashback £250

[FO28841] 75% LTV, increasing by 5bps from 1.39% to 1.44%, product fee £995, cashback £250

5 year fixed rate purchase

[FO28838] 60% LTV, increasing by 10bps from 1.50% to 1.60%, product fee £995, cashback £350

[FO28839] 75% LTV, increasing by 10bps from 1.54% to 1.64%, product fee £995, cashback £350

5 year fixed rate remortgage

[FO28842] 60% LTV, increasing by 10bps from 1.50% to 1.60%, product fee £995, cashback £350

[FO28843] 75% LTV, increasing by 10bps from 1.54% to 1.64%, product fee £995, cashback £350

BTL Green Mortgages

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO28844] 65% LTV, increasing by 4bps from 1.34% to 1.38%, product fee £995

[FO28845] 75% LTV, increasing by 5bps from 1.47% to 1.52%, product fee £995

2 year fixed rate remortgage

[FO28846] 65% LTV, increasing by 4bps from 1.38% to 1.42%, product fee £995

Existing Customer

Core Range

Residential

Rate Changes

2 year fixed rate switcher

[FO28847] 60% LTV, increasing by 3bps from 1.49% to 1.52%, product fee £0

5 year fixed rate switcher

[FO28848] 60% LTV, increasing by 3bps from 1.63% to 1.66%, product fee £0

5 year fixed rate switcher – high value

[FO28853] 70% LTV, increasing by 3bps from 1.45% to 1.48%, product fee £995

5 year fixed rate switcher

[FO28849] 70% LTV, increasing by 3bps from 1.46% to 1.49%, product fee £995

[FO28850] 70% LTV, increasing by 3bps from 1.68% to 1.71%, product fee £0

[FO28852] 75% LTV, increasing by 3bps from 1.68% to 1.71%, product fee £0

5 year fixed rate switcher – high value

[FO28854] 75% LTV, increasing by 3bps from 1.45% to 1.48%, product fee £995

5 year fixed rate switcher

[FO28851] 75% LTV, increasing by 3bps from 1.46% to 1.49%, product fee £995

End dates

2 Year Term End Dates Moving from 29 February 2024 to 30 April 2024

5 Year Term End Dates Moving from 28 February 2027 to 30 April 2027

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm Wednesday 8 December, 2021.

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Wednesday 22 December, 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 Thursday 9 December 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 Saturday 11 December 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.