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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 5th out of 16 mortgage lenders
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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 in general

4 out of 5

Value for money 

4 out of 5

Keeping you well informed 

3 out of 5

Clarity of mortgage statements

4 out of 5

Transparency of charges

4 out of 5

Query and complaint handling

4 out of 5

Ability to overpay or underpay mortgage

4 out of 5

Online access

4 out of 5


Star ratings based on a July 2021 Which? survey of 3504 members of the general public in which 298 people told us that they had their mortgage with NatWest.

What kinds of mortgages does NatWest offer?

When we checked in September 2021, there were 97 mortgages available from NatWest. All 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 and August 2021. They compiled a total of 206 ‘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 24, but NatWest featured just eight times, meaning it rarely offered market-leading rates in our scenarios. (Data source: Moneyfacts.)

Interest rates on NatWest mortgages

In September 2021, the average rate on a two-year fixed-rate mortgage from NatWest was 1.80%, compared to the overall market average of 2.38%.

How much could I borrow from NatWest?

NatWest will lend to first-time buyers and home movers at 60%, 70%, 75%, 80%, 85%, 90% and 95% 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.