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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
In this article
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 T&Cs of a provider before committing to any financial products.
Why you can trust our NatWest mortgage review
Real NatWest customer views
We've asked 647 NatWest mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed NatWest's mortgages to work out if it's a lender that offers competitive deals.
NatWest achieved a strong customer score and was the joint-5th cheapest lender (out of 69) in our mortgage deals analysis. Customers were particularly impressed with its online access, awarding it five stars. Excellent results across the board have earned NatWest Which? Recommended Provider status for mortgages.
74%
out of 21 mortgage lenders ranked on customer score (joint-6th)
Anna McClean, Which? market analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered, on average, the cheapest mortgage deals during our analysis period. NatWest was one of the most competitive lenders overall, and did well when it came to first-time buyer deals.'
Here's how NatWest did in our analysis:
Find out more: check which lenders came ahead of NatWest in our cheapest lender interest rate analysis.
Use the table to find the two-year fixed-rate mortgages NatWest is currently offering to first-time buyers with an 80%, 90% or 95% loan-to-value (LTV).
To see how NatWest compares with other mortgage providers, see our guide to the best mortgage rates, updated daily.
| 80% | RECOMMENDED PROVIDER NatWest | 74% | 5.24% | £1,495 | 6.74% |
| 80% fee free | RECOMMENDED PROVIDER NatWest | 74% | 5.49% | £0 | 6.74% |
| 90% | RECOMMENDED PROVIDER NatWest | 74% | 5.31% | £995 | 6.74% |
| 90% fee free | RECOMMENDED PROVIDER NatWest | 74% | 5.53% | £0 | 6.74% |
| 95% | RECOMMENDED PROVIDER NatWest | 74% | 5.73% | £0 | 6.74% |
| 95% fee free | RECOMMENDED PROVIDER NatWest | 74% | 5.73% | £0 | 6.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive at least 40 responses to be included in the results. NatWest had a sample size of 647.
Use the table to find the two-year fixed-rate mortgages NatWest is currently offering to home movers with a 60%, 75%, or 85% loan-to-value (LTV).
To see how NatWest compares with other mortgage providers, see our guide to the best mortgage rates, updated daily.
| 60% | RECOMMENDED PROVIDER NatWest | 74% | 5.08% | £1,495 | 6.74% |
| 60% fee free | RECOMMENDED PROVIDER NatWest | 74% | 5.28% | £0 | 6.74% |
| 75% | RECOMMENDED PROVIDER NatWest | 74% | 5.19% | £1,495 | 6.74% |
| 75% fee free | RECOMMENDED PROVIDER NatWest | 74% | 5.36% | £0 | 6.74% |
| 85% | RECOMMENDED PROVIDER NatWest | 74% | 5.24% | £1,495 | 6.74% |
| 85% fee free | RECOMMENDED PROVIDER NatWest | 74% | 5.49% | £0 | 6.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive at least 40 responses to be included in the results. NatWest had a sample size of 647.
In the table, find the two-year fixed-rate mortgages NatWest is currently offering to remortgage customers at 60%, 75%, or 85% loan-to-value (LTV).
To see how NatWest compares with other mortgage providers, see our guide to the best mortgage rates, updated daily.
| 60% | RECOMMENDED PROVIDER NatWest | 74% | 5.14% | £1,495 | 6.74% |
| 60% fee free | RECOMMENDED PROVIDER NatWest | 74% | 5.33% | £0 | 6.74% |
| 75% | RECOMMENDED PROVIDER NatWest | 74% | 5.25% | £1,495 | 6.74% |
| 75% fee free | RECOMMENDED PROVIDER NatWest | 74% | 5.57% | £0 | 6.74% |
| 85% | RECOMMENDED PROVIDER NatWest | 74% | 5.35% | £1,495 | 6.74% |
| 85% fee free | RECOMMENDED PROVIDER NatWest | 74% | 5.66% | £0 | 6.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public conducted in August/September 2026. Providers must receive at least 40 responses to be included in the results. NatWest had a sample size of 647.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked NatWest mortgage customers about their experience with the lender.
Here's how customers rated NatWest in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (for example, being able to overpay/underpay/take payment holidays) | |
| Online access (for example, being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 6,417 members of the public conducted in August and September 2026. Providers must receive at least 40 responses to be included in the results. The sample size for NatWest was 647.
I've had my mortgage with NatWest for seven years, and whenever I've needed to speak to someone, they've been polite and helpful.
We not only produce customer scores and star ratings, but also collect comments from real customers.
Most feedback from NatWest customers was positive. Common themes included good online access and a trouble-free experience. One customer told us the bank 'made every stage of getting my mortgage as smooth as possible'.
Customer service also received positive feedback, with respondents describing NatWest as 'very helpful and supportive' and 'trustworthy'.
When we checked in September 2026, there were 264 mortgages available from NatWest. Most 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 NatWest mortgages were tracker deals, with initial terms lasting two years before reverting to the NatWest standard variable rate.
NatWest doesn't publish its borrowing caps, but you can use its affordability calculator to check the size of a mortgage you qualify for.
NatWest offers a selection of green mortgages with discounted rates and cashback for homes with an EPC rating of A or B. The maximum LTV for its green mortgages is 85%.
NatWest's mortgages have a maximum term length of 35 or 40 years.
We’re not influenced by third parties. We work entirely on your behalf, the consumer – nobody else. See our statement of editorial independence.
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