NatWest mortgage review and rates

NatWest is part of the third-largest lender in the UK, the NatWest Group, which also includes the Royal Bank of Scotland.

Here, you can find out what real NatWest mortgage customers thought about its service, what our expert analysis uncovered about its range of deals and the best NatWest mortgage rates on the market right now.

This article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.

Is NatWest a good mortgage lender?

Does NatWest offer the best mortgage deals?

Which? analysed thousands of mortgages, using Moneyfacts data, over eight weeks in the summer/autumn of 2025. We compiled a series of top 10 cheapest deals tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average was five table appearances per week. NatWest averaged 8.8 appearances per week, the third-best out of the 21 lenders we looked at. This means NatWest typically offered excellent interest rates for a range of different mortgage scenarios during our analysis.

You can see the mortgages NatWest is currently offering first-time buyers, home movers and remortgagers in the tables below. 

To see how NatWest compares with other mortgage providers, head to our guide to the best mortgage rates and deals, which is updated every day.

NatWest mortgage rates for first-time buyers

NatWest mortgage rates for home movers

NatWest mortgage rates for remortgaging 

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How did customers rate NatWest's mortgages?

We asked NatWest mortgage customers about their experience with the lender. 

Here's how customers rated NatWest in various areas of service:

What do customers think about NatWest? 

We not only produce customer scores and star ratings, but also collect comments from real customers. 

The majority of feedback from NatWest mortgage customers was positive. 

Common themes focused on good online access and customers not having any problems. For example, one customer told us that 'everything has been hassle-free and smooth'.

Feedback on customer service was generally positive too, with some respondents reporting it was 'helpful' as well as 'clear and upfront'. However, some people found the customer service 'hard to reach', with long wait times. 

NatWest mortgage lender FAQs

What types of mortgage does NatWest offer?

When we checked in September 2025, there were 99 mortgages available from NatWest. The vast majority were fixed-rate deals, meaning your interest rate stays the same for a set initial period.

NatWest mortgages had initial periods of two or five years.

A smaller number of mortgages offered by NatWest were tracker deals, with initial terms lasting two years before reverting to the NatWest standard variable rate.

How much could I borrow from NatWest?

NatWest doesn't publish its borrowing caps, but you can use its affordability calculator to check the size of a mortgage you qualify for.

Does NatWest offer green mortgages?

NatWest does offer a selection of green mortgages with discounted rates for homes that have an EPC rating of A or B. The maximum LTV for its green mortgages is 85%.

• Find out more: best green mortgages

How long can the mortgage term be?

All of NatWest's mortgages have a maximum term length of 35 years.

• Find out more: mortgage calculator toolkit – use our range of calculators to compare mortgage deals, work out how much you can borrow and more