NATWEST TO MAKE RATE REDUCTIONS TO CORE AND SEMI-EXCLUSIVE RESIDENTIAL AND BUY-TO-LET DEALS FOR NEW BUSINESS

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

New Business

 CORE – Residential

New Products

2 year fixed rate purchase

  • [FO19552] 70% LTV, 1.52% (4.24% SVR), £955 product fee, £250 cashback
  • [FO19553] 75% LTV, 1.52% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19554] 80% LTV, 1.60% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19555] 85% LTV, 1.70% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19556] 90% LTV, 1.91% (4.24% SVR), £995 product fee, £250 cashback

5 year fixed rate purchase

  • [FO19563] 90% LTV, 2.32% (4.24% SVR), £955 product fee, £250 cashback
  • [FO19564] 95% LTV, 3.58% (4.24% SVR), £0 product fee, £250 cashback

2 year fixed rate remortgage

  •  [FO19565] 60% LTV, 1.53% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19566] 70% LTV, 1.59% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19567] 75% LTV, 1.59% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19568] 80% LTV, 1.74% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19569] 85% LTV, 1.83% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19570] 90% LTV, 1.98% (4.24% SVR), £995 product fee, £250 cashback

2 year fixed rate remortgage – High Value

  • [FO19641] 60% LTV, 1.52% (4.24% SVR), £955 product fee, £250 cashback
  • [FO19642] 70% LTV, 1.58% (4.24% SVR), £995 product fee, £250 cashback

5 year fixed rate remortgage 

  • [FO19572] 60% LTV, 1.89% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19572] 70% LTV, 1.99% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19573] 75% LTV, 1.99% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19574] 80% LTV, 2.14% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19575] 85% LTV, 2.18% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19576] 90% LTV, 2.38% (4.24% SVR), £995 product fee, £250 cashback

5 year fixed rate remortgage – High Value

  • [FO19643] 60% LTV, 1.88% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19644] 70% LTV, 1.98% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19645] 75% LTV, 1.98% (4.24% SVR), £995 product fee, £250 cashback

Rate Changes

2 year fixed rate purchase

  • [FO19551] 60% LTV, decreasing by 6bps from 1.50% to 1.44% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19557] 95% LTV, decreasing by 21bps from 3.29% to 3.08% (4.24% SVR), £0 product fee, £250 cashback

5 year fixed rate purchase

  • [FO19558] 60% LTV, decreasing by 8bps from 1.95% to 1.87% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19559] 70% LTV, decreasing by 7bps from 1.99% to 1.92% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19560] 75% LTV, decreasing by 7bps from 1.99% to 1.92% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19561] 80% LTV, decreasing by 14bps from 2.23% to 2.09% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19562] 85% LTV, decreasing by 26bps from 2.36% to 2.10% (4.24% SVR), £995 product fee, £250 cashback

First time buyer – 2 year fixed rate purchase

[FO19577] 90% LTV, decreasing by 9bps from 3.68% to 3.57% (4.24% SVR), £0 product fee, £250 cashback

Withdrawals

2 year fixed rate purchase

  • [FO19076] 70% LTV, 1.73% (4.24% SVR), £995 product fee
  • [FO19078] 75% LTV, 1.83% (4.24% SVR), £995 product fee
  • [FO19080] 80% LTV, 1.87% (4.24% SVR), £995 product fee
  • [FO19082] 85% LTV, 1.87% (4.24% SVR), £995 product fee
  • [FO19084] 90% LTV, 2.33% (4.24% SVR), £995 product fee

5 year fixed rate purchase

  • [FO19202] 90% LTV, 2.68% (4.24% SVR), £995 product fee
  • [FO19204] 95% LTV, 3.81% (4.24% SVR), £0 product fee

2 year fixed rate remortgage

  • [FO19030] 60% LTV, 1.54% (4.24% SVR), £995 product fee
  • [FO19031] 70% LTV, 1.59% (4.24% SVR), £995 product fee
  • [FO19043] 75% LTV, 1.59% (4.24% SVR), £995 product fee
  • [FO19128] 80% LTV, 1.78% (4.24% SVR), £995 product fee
  • [FO19129] 85% LTV, 2.38% (4.24% SVR), £995 product fee
  • [FO19130] 90% LTV, 2.70% (4.24% SVR), £995 product fee

2 year fixed rate remortgage – High Value

  • [FO19028] 60% LTV, 1.53% (4.24% SVR), £955 product fee
  • [FO19029] 70% LTV, 1.58% (4.24% SVR), £995 product fee

5 year fixed rate remortgage

  • [FO19148] 60% LTV, 1.94% (4.24% SVR), £995 product fee
  • [FO19146] 70% LTV, 2.08% (4.24% SVR), £995 product fee
  • [FO19147] 75% LTV, 2.23% (4.24% SVR), £995 product fee
  • [FO19162] 80% LTV, 2.33% (4.24% SVR), £995 product fee
  • [FO19153] 85% LTV, 3.13% (4.24% SVR), £995 product fee
  • [FO19164] 90% LTV, 3.28% (4.24% SVR), £995 product fee

5 year fixed rate remortgage – High Value

  • [FO19149] 60% LTV, 1.93% (4.24% SVR), £995 product fee
  • [FO19150] 70% LTV, 2.07% (4.24% SVR), £995 product fee
  • [FO19151] 75% LTV, 2.22% (4.24% SVR), £995 product fee

Buy to Let

Rate Changes

5 year fixed rate purchase

  • [FO19578] 60% LTV, decreasing by 17bps from 2.30% to 2.13% (4.74% SVR), £995 product fee
  • [FO19579] 70% LTV, decreasing by 15bps from 2.65% to 2.50% (4.74% SVR), £995 product fee
  • [FO19580] 75% LTV, decreasing by 28bps from 2.79% to 2.51% (4.74% SVR), £995 product fee

2 year fixed rate remortgage

  • [FO19581] 60% LTV, decreasing by 12bps from 1.84% to 1.72% (4.74% SVR), £995 product fee
  • [FO19582] 70% LTV, decreasing by 20bps from 2.33% to 2.13% (4.74% SVR), £995 product fee

5 year fixed rate remortgage

  • [FO19583] 60% LTV, decreasing by 50bps from 2.27% to 2.21% (4.74% SVR), £995 product fee
  • [FO19584] 70% LTV, decreasing by 50bps from 2.62% to 2.51% (4.74% SVR), £995 product fee
  • [FO19585] 75% LTV, decreasing by 50bps from 2.62% to 2.58% (4.74% SVR), £995 product fee

Semi Exclusives

New Products

2 year fixed rate purchase

  • [FO19590] 90% LTV, 1.79% (4.24% SVR), £995 product fee

5 year fixed rate purchase

  • [FO19592] 60% LTV, 1.85% (4.24% SVR), £995 product fee
  • [FO19593] 70% LTV, 1.91% (4.24% SVR), £995 product fee
  • [FO19594] 75% LTV, 1.91% (4.24% SVR), £995 product fee
  • [FO19595] 80% LTV, 2.04% (4.24% SVR), £995 product fee
  • [FO19597] 85% LTV, 2.09% (4.24% SVR), £995 product fee
  • [FO19599] 90% LTV, 2.29% (4.24% SVR), £995 product fee
  • [FO19601] 95% LTV, 3.33% (4.24% SVR), £0 product fee, £250 cashback

5 year fixed rate remortgage

  • [FO19609] 60% LTV, 1.84% (4.24% SVR), £995 product fee
  • [FO19611] 70% LTV, 1.94% (4.24% SVR), £995 product fee
  • [FO19612] 75% LTV, 1.94% (4.24% SVR), £995 product fee
  • [FO19613] 80% LTV, 2.07% (4.24% SVR), £995 product fee
  • [FO19615] 85% LTV, 2.09% (4.24% SVR), £995 product fee
  • [FO19617] 90% LTV, 2.29% (4.24% SVR), £995 product fee

First time buyer – 5 year fixed rate purchase

  • [FO19603] 85% LTV, 2.51% (4.24% SVR), £0 product fee, £750 Cashback

Help to Buy shared equity – 2 year fixed rate remortgage

[FO19605] 75% LTV, 2.90% (4.24% SVR), £0 product fee, £500 Cashback

[FO19604] 75% LTV, 1.96% (4.24% SVR), £995 product fee, £500 Cashback

Rate Changes

2 year fixed rate purchase

  • [FO19586] 70% LTV, decreasing by 5bps from 1.70% to 1.65% (4.24% SVR), £995 product fee, £350 cashback
  • [FO19587] 75% LTV, decreasing by 3bps from 1.70% to 1.67% (4.24% SVR), £995 product fee, £350 cashback
  • [FO19588] 80% LTV, decreasing by 6bps from 1.74% to 1.68% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19589] 85% LTV, decreasing by 6bps from 1.82% to 1.74% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19591] 95% LTV, decreasing by 22bps from 3.21% to 2.99% (4.24% SVR), £0 product fee, £250 cashback

5 year fixed rate purchase

  • [FO19596] 80% LTV, decreasing by 8bps from 2.48% to 2.40% (4.24% SVR), £0 product fee, £500 cashback
  • [FO19598] 85% LTV, decreasing by 10bps from 2.61% to 2.51% (4.24% SVR), £0 product fee, £500 cashback
  • [FO19600] 90% LTV, decreasing by 11bps from 2.67% to 2.58% (4.24% SVR), £0 product fee, £500 cashback

2 year fixed rate remortgage

  • [FO19606] 80% LTV, decreasing by 6bps from 1.78% to 1.72% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19607] 85% LTV, decreasing by 10bps from 1.92% to 1.82% (4.24% SVR), £995 product fee, £250 cashback
  • [FO19608] 90% LTV, decreasing by 16bps from 2.09% to 1.93% (4.24% SVR), £995 product fee, £250 cashback

5 year fixed rate remortgage

  • [FO19610] 60% LTV, decreasing by 5bps from 2.24% to 2.19% (4.24% SVR), £0 product fee, £500 cashback
  • [FO19614] 80% LTV, decreasing by 3bps from 2.40% to 2.37% (4.24% SVR), £0 product fee, £500 cashback
  • [FO19616] 85% LTV, decreasing by 9bps from 2.51% to 2.40% (4.24% SVR), £0 product fee, £500 cashback 

First time buyer – 5 year fixed rate purchase

  • [FO19602] 80% LTV, decreasing by 10bps from 2.49% to 2.39% (4.24% SVR), £0 product fee, £500 cashback

Withdrawals

2 year fixed rate purchase

  • [FO19113] 90% LTV, 1.94% (4.24% SVR), £995 product fee, £350 cashback

5 year fixed rate purchase

  • [FO19226] 60% LTV, 1.97% (4.24% SVR), £995 product fee, £500 cashback
  • [FO19228] 70% LTV, 2.02% (4.24% SVR), £995 product fee, £500 cashback
  • [FO19230] 75% LTV, 2.05% (4.24% SVR), £995 product fee, £500 cashback
  • [FO19232] 80% LTV, 2.17% (4.24% SVR), £995 product fee, £500 cashback
  • [FO19234] 85% LTV, 2.27% (4.24% SVR), £995 product fee, £500 cashback
  • [FO19236] 90% LTV, 2.45% (4.24% SVR), £995 product fee, £500 cashback

5 year fixed rate remortgage

  • [FO19238] 60% LTV, 1.97% (4.24% SVR), £995 product fee, £500 cashback
  • [FO19240] 70% LTV, 2.02% (4.24% SVR), £995 product fee, £500 cashback
  • [FO19242] 75% LTV, 2.02% (4.24% SVR), £995 product fee, £500 cashback
  • [FO19244] 80% LTV, 2.19% (4.24% SVR), £995 product fee, £500 cashback
  • [FO19246] 85% LTV, 2.22% (4.24% SVR), £995 product fee, £500 cashback
  • [FO19248] 90% LTV, 2.41% (4.24% SVR), £995 product fee, £500 cashback

First time buyer – 5 year fixed rate purchase

  • [FO19251] 85% LTV, 2.54% (4.24% SVR), £0 product fee, £500 Cashback 

Help to Buy shared equity – 2 year fixed rate remortgage

  • [FO19141] 75% LTV, 2.90% (4.24% SVR), £0 product fee, £500 Cashback
  • [FO19142] 75% LTV, 1.96% (4.24% SVR), £995 product fee, £500 Cashback

Buy to Let

New Products

2 year fixed rate purchase

  • [FO19619] 60% LTV, 2.09% (4.74% SVR), £0 product fee

Rate Changes

2 year fixed rate purchase

  • [FO19618] 60% LTV, decreasing by 17bps from 1.96% to 1.79% (4.74% SVR), £995 product fee, £250 cashback
  • [FO19620] 70% LTV, decreasing by 10bps from 2.15% to 2.05% (4.74% SVR), £995 product fee, £250 cashback
  • [FO19621] 70% LTV, decreasing by 4bps from 2.63% to 2.59% (4.74% SVR), £0 product fee, £250 cashback
  • [FO19622] 75% LTV, decreasing by 20bps from 2.27% to 2.07% (4.74% SVR), £995 product fee, £250 cashback
  • [FO19623] 75% LTV, decreasing by 22bps from 2.81% to 2.59% (4.74% SVR), £0 product fee¸£250 cashback

5 year fixed rate purchase

  • [FO19624] 60% LTV, decreasing by 11bps from 2.28% to 2.17% (4.74% SVR), £995 product fee, £250 cashback
  • [FO19625] 60% LTV, decreasing by 5bps from 2.50% to 2.45% (4.74% SVR), £0 product fee, £250 cashback
  • [FO19626] 70% LTV, decreasing by 6bps from 2.61% to 2.55% (4.74% SVR), £995 product fee, £250 cashback
  • [FO19627] 70% LTV, decreasing by 7bps from 2.86% to 2.79% (4.74% SVR), £0 product fee, £250 cashback
  • [FO19629] 75% LTV, decreasing by 12bps from 2.91% to 2.79% (4.74% SVR), £0 product fee¸£250 cashback
  • [FO19628] 75% LTV, decreasing by 10bps from 2.66% to 2.56% (4.74% SVR), £995 product fee¸£250 cashback 

2 year fixed rate remortgage

  • [FO19630] 60% LTV, decreasing by 4bps from 1.82% to 1.78% (4.74% SVR), £995 product fee, £250 cashback
  • [FO19631] 60% LTV, decreasing by 15bps from 2.48% to 2.33% (4.74% SVR), £0 product fee¸£250 cashback
  • [FO19632] 70% LTV, decreasing by 11bps from 2.59% to 2.48% (4.74% SVR), £0 product fee¸£250 cashback
  • [FO19633] 75% LTV, decreasing by 1bps from 2.06% to 2.05% (4.74% SVR), £995 product fee¸£250 cashback
  • [FO19634] 75% LTV, decreasing by 11bps from 2.59% to 2.48% (4.74% SVR), £0 product fee¸£250 cashback 

5 year fixed rate remortgage

  • [FO19635] 60% LTV, decreasing by 6bps from 2.29% to 2.23% (4.74% SVR), £995 product fee, £250 cashback
  • [FO19636] 60% LTV, decreasing by 14bps from 2.55% to 2.41% (4.74% SVR), £0 product fee¸£250 cashback
  • [FO19637] 70% LTV, decreasing by 6bps from 2.64% to 2.58% (4.74% SVR), £995 product fee¸£250 cashback
  • [FO19638] 70% LTV, decreasing by 22bps from 2.99% to 2.77% (4.74% SVR), £0 product fee¸£250 cashback
  • [FO19639] 75% LTV, decreasing by 6bps from 2.64% to 2.58% (4.74% SVR), £995 product fee¸£250 cashback
  • [FO19640] 75% LTV, decreasing by 31bps from 3.08% to 2.77% (4.74% SVR), £0 product fee¸£250 cashback 

Withdrawals

2 year fixed rate purchase

  • [FO19117] 60% LTV, 2.42% (4.74% SVR), £0 product fee, £250 cashback

 

Existing Customer

Core Range – Rate Changes

2 year fixed rate purchase

  • [FO19646] 60% LTV, decreasing by 42bps from 2.31% to 1.89% (4.24% SVR), £0 product fee
  • [FO19647] 70% LTV, decreasing by 7bps from 1.71% to 1.64% (4.24% SVR), £995 product fee
  • [FO19648] 70% LTV, increasing by 38bps from 2.41% to 2.79% (4.24% SVR), £0 product fee
  • [FO19649] 75% LTV, decreasing by 7bps from 1.71% to 1.64% (4.24% SVR), £995 product fee
  • [FO19650] 75% LTV, increasing by 38bps from 2.41% to 2.79% (4.24% SVR), £0 product fee
  • [FO19651] 80% LTV, decreasing by 6bps from 1.79% to 1.75% (4.24% SVR), £995 product fee
  • [FO19652] 80% LTV, increasing by 38bps from 2.51% to 2.89% (4.24% SVR), £0 product fee
  • [FO19653] 85% LTV, decreasing by 6bps from 1.84% to 1.75% (4.24% SVR), £995 product fee
  • [FO19954] 85% LTV, increasing by 38bps from 2.60% to 2.98% (4.24% SVR), £0 product fee
  • [FO19655] 90% LTV, decreasing by 6bps from 2.70% to 1.90% (4.24% SVR), £955 product fee

5 year fixed rate purchase

  • [FO19657] 60% LTV, decreasing by 45bps from 2.59% to 2.14% (4.24% SVR), £0 product fee
  • [FO19656] 60% LTV, decreasing by 14bps from 2.03% to 1.89% (4.24% SVR), £955 product fee
  • [FO19658] 70% LTV, decreasing by 24bps from 2.23% to 1.99% (4.24% SVR), £955 product fee
  • [FO19659] 70% LTV, increasing by 25bps from 2.65% to 3.03% (4.24% SVR), £0 product fee
  • [FO19660] 75% LTV, decreasing by 25bps from 2.24% to 1.99% (4.24% SVR), £955 product fee
  • [FO19661] 75% LTV, increasing by 31bps from 2.67% to 3.05% (4.24% SVR), £0 product fee
  • [FO19663] 80% LTV, increasing by 25bps from 2.79% to 3.17% (4.24% SVR), £0 product fee
  • [FO19662] 80% LTV, decreasing by 31bps from 2.38% to 2.09% (4.24% SVR), £955 product fee
  • [FO19665] 85% LTV, increasing by 88bps from 3.00% to 3.38% (4.24% SVR), £0 product fee
  • [FO19664] 85% LTV, decreasing by 25bps from 2.45% to 2.20% (4.24% SVR), £955 product fee
  • [FO19666] 90% LTV, decreasing by 88bps from 3.28% to 2.40% (4.24% SVR), £955 product fee

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 on Wednesday 27th March 2019.

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Wednesday 10th April 2019.

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 28th March 2019. 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 Monday 1st April 2019 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.