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NatWest mortgage review

We've combined expert analysis with customer feedback to help you decide whether to get a mortgage with NatWest bank.

In this article
NatWest mortgage customer ratings What kinds of mortgages does NatWest offer? Does NatWest offer the best mortgage deals? Interest rates on NatWest mortgages
How much could I borrow from NatWest? Can I make overpayments? How can I contact NatWest?

NatWest mortgage customer ratings

NatWest review
Which? Customer Score
Joint 7th out of 23 mortgage lenders
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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£5 for first month then £9.99/month unless cancelled

NatWest is the title brand of the NatWest Group (formerly The Royal Bank of Scotland Group), and is one of the UK's biggest mortgage lenders. 

The table below shows how NatWest performed in our latest mortgage satisfaction survey, from application process to value for money.

Customer rating for: Star rating
Customer service

4 out of 5

Application process

4 out of 5

Value for money

3 out of 5

Keeping you well informed

4 out of 5

Clarity of statements

4 out of 5

Transparency of charges

5 out of 5

Query and complaint handling

4 out of 5

Ability to overpay or underpay mortgage

4 out of 5

Online access

5 out of 5


Star ratings based on a June/July 2020 Which? survey of 3625 members of the general public in which 290 people told us they had their mortgage with NatWest.

What kinds of mortgages does NatWest offer?

Many mortgage lenders have significantly cut their offerings this year due to the coronavirus outbreak.

When we checked in September 2020, there were 76 mortgages available from NatWest. All but one of these deals were fixed-rate - meaning your interest rate will stay the same for a set initial period.

NatWest's mortgages came with a initial period of either two or five years.


Does NatWest offer the best mortgage deals?

Our experts analysed hundreds of mortgages over a four-week period in July 2020. They compiled a total of 208 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average number of times a lender made it into a table was 16, but NatWest failed to feature at all, meaning it rarely offers the cheapest rates. (Data source: Moneyfacts.)

Interest rates on NatWest mortgages

In September 2020, the average rate on a two-year fixed-rate mortgage from NatWest was 2.12%, compared to the overall market average of 2.33%.

How much could I borrow from NatWest?

NatWest will lend to first-time buyers and home movers at 60%, 70%, 75%, 80% and 85% loan-to-value. Remortgagers can borrow at up to 90% loan to value. 

NatWest will lend between four and 4.85 times your annual salary, depending on your earnings and the loan to value ratio you're borrowing at.

Can I make overpayments?

NatWest's deals allow you to overpay up to 10% of the mortgage balance each year. 

How can I contact NatWest?

Mortgages from NatWest are only available directly, so you won't be able to access them through a mortgage broker

NatWest can be contacted on 0800 096 9527.

Its website is natwest.com.