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NatWest lowers mortgage rates

NatWest lowers mortgage rates
Anna Sagar
Written By:
Posted:
November 3, 2025
Updated:
November 3, 2025

NatWest is cutting mortgage rates in its new business, existing customer and additional borrowing ranges.

The mortgage rate changes will come into force on 4 November.

Purchase deals on two- and five-year fixed mortgage rate terms, alongside high-value deals, could reduce by as much as 0.09%.

Remortgage rates, including two- and five-year fixed rates and high-value deals, will decline by around 0.08%.

For instance, its two-year fixed rate remortgage deal at 75% LTV with a £995 fee will decline from 4.02% to 3.94%.

Looking at first-time buyers, purchase rates will go down by around 0.07%, including a two-year fixed rate with no fee and £250 cashback going from 4.51% to 4.44%.

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Shared equity purchase and Help to Buy equity remortgage rates will decrease by around 0.06% and 0.08% respectively. Shared equity deals begin from 3.91%, while Help to Buy deals are priced from 3.99%.

NatWest noted that green and green buy-to-let (BTL) mortgage rates will go down by around 0.08% and 0.13% respectively. Pricing will start from 3.71% and 4.02%.

In its BTL range, purchase and remortgage deals on two- and five-year fixed rate terms have fallen by as much as 0.2%.

An example includes its two-year fixed remortgage rate with a £3,499 fee going from 3.8% to 3.6%.

Within its additional borrowing range, two- and five-year fixed mortgage rates have been cut by around 0.08%.

This includes its two-year fixed rate at 75% LTV with a £995 fee decreasing from 4.02% to 3.94%.

At the end of last month, the bank also made a number of rate cuts to mortgages for new business, existing customers and additional borrowing.