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NatWest mortgages
NatWest is one of the UK’s oldest banks, and can trace its roots back as far as the 1650s. NatWest is now part of a financial services group which is the second largest bank by market capitalisation in the UK and Europe, and ranks fifth in the world.
Whether you are a first time buyer wanting to buy your first property, or a homeowner looking to remortgage, it’s essential to compare mortgages to make sure you get the best deal.
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What mortgages do NatWest offer?
NatWest currently offer offset flexible mortgages, the NatWest one mortgage, a discounted variable rate mortgage, fixed rate mortgages and a 100% mortgage option.
NatWest’s offset flexible mortgage will be set at a variable rate for the ‘life’ of your mortgage, offset against your current account and up to 3 savings accounts. There are arrangement fees for this NatWest mortgage, however you can make overpayments, and subsequently make underpayments, as well as taking repayment holidays, without incurring any penalties.
The NatWest one mortgage allows you to combine all of your banking into one account, meaning that you borrow and save through the same account. Your interest rate will depend on how much you want to borrow compared to how much the property will cost. There are no early repayment charges with this NatWest mortgage.
Their discounted variable rate mortgage will set an initial discount rate off of NatWest’s standard variable rate, for an agreed period. NatWest offer 1 and 2 year discount mortgages. Interest rates will also depend on how much you want to borrow compared to how much the property will cost. After the discount rate period your mortgage reverts to NatWest’s standard variable rate. Repaying this NatWest mortgage early will incur penalty charges, however you can repay up to 10% of your mortgage annually without incurring an early repayment charge.
With a NatWest fixed rate mortgage your initial rate is fixed for an agreed period. NatWest have fixed rate mortgages for 2, 3 and 5 years. Your interest rate will also depend on how much you want to borrow compared to how much the property will cost. After the fixed rate period your rate will revert to NatWest’s standard variable rate. Repaying your mortgage early will incur penalty charges.
A 100% mortgage lets you apply for a mortgage of up to £175,000 without having to raise any money for a deposit. You can choose from a fixed or discount rate; and you can swap to another NatWest mortgage product if your LTV falls to 95% or below. Your rate will revert to NatWest’s standard variable rate after the deal period is over. Repaying this NatWest mortgage early will incur penalty charges.