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Best NatWest Remortgage Deals 2026

NatWest is a major UK lender with competitive rates, flexible criteria, and useful relationship benefits via its Reward and Premier accounts. This guide covers the best NatWest remortgage deals in 2026 and the alternatives worth comparing.

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Quick Answer: Best NatWest Remortgage Deals in 2026

NatWest remortgage rates in 2026 are typically 4.7%-5.2% for a 2-year fix and 4.5%-5.0% for a 5-year fix at 75% LTV. NatWest is competitive across LTV bands, flexible on criteria, lends up to 90% LTV, and offers a green mortgage discount for energy-efficient homes. Reward account holders sometimes get small cashback bonuses on product transfers. Existing customers can product-transfer quickly. Compare NatWest against HSBC, First Direct, Halifax and Santander for the live best-buy.

Rates last reviewed June 2026. Figures shown are indicative market ranges to help you compare — not live quotes or personalised offers. Mortgage rates change daily and depend on your circumstances, the lender's criteria and the Bank of England base rate. Check live rates for your profile →

NatWest Remortgage Rates by LTV (2026)

LTV bandTypical 2-yr fixTypical 5-yr fix
60% LTV4.5-4.9%4.3-4.8%
75% LTV4.7-5.2%4.5-5.0%
85% LTV5.0-5.4%4.8-5.2%
90% LTV5.2-5.8%5.0-5.6%

NatWest offers a Green Mortgage rate reduction for properties with an EPC rating of A or B, and Premier customers can access enhanced rates and lending.

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Gary from London

"Easier Than Expected"

Gary, London
★★★★★
"I kept putting off remortgaging because I thought it would be a massive headache. Honestly, the whole thing was painless — filled in a quick form, got my options, and it was all sorted within weeks. Wish I'd done it sooner."
Katie from London

"Done In No Time"

Katie, London
★★★★★
"Our fixed rate was ending in a month and I was panicking about going onto the SVR. Managed to get everything sorted really quickly and we're now on a much better rate. Saving us about £200 a month."
Janet from Exeter

"So Much Better Off"

Janet, Exeter
★★★★★
"Was a bit nervous about switching as I'd been with the same lender for years. Turns out I was massively overpaying — got a much better deal and the whole process was far easier than I expected."
Lucy from Tamworth

"Happy Saving"

Lucy, Tamworth
★★★★★
"After having to pay a ridiculous amount due to the interest rate hike, we have now got a more suitable monthly payment, consolidated a loan and have money left for hopefully a loft conversion."

NatWest's Reward and Premier Benefits

NatWest adds relationship value beyond the headline rate:

These benefits are modest individually but can tip a close decision toward NatWest, especially for existing relationship customers.

Product Transfer vs Switching From NatWest

Existing NatWest customers can:

Interestingly, NatWest's new-business remortgage rates are sometimes cheaper than its product-transfer rates — so even staying with NatWest, it can pay to compare both routes within the bank.

Best Alternatives to NatWest

Compare NatWest against:

Important: Your home may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice. The actual rate available will depend on your circumstances. Think carefully before securing other debts against your home.

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Frequently Asked Questions

Typically 4.7%-5.2% for a 2-year fix and 4.5%-5.0% for a 5-year fix at 75% LTV, with cheaper rates at 60% LTV. NatWest offers a Green Mortgage discount for EPC A/B properties. Rates change daily, so compare NatWest against HSBC, First Direct, Halifax and Santander for the live best-buy for your profile.

Sometimes — NatWest periodically offers small cashback bonuses (£100-£250) on mortgage product transfers to Reward current account holders. These aren't always advertised, so check your Reward dashboard or ask NatWest when remortgaging. The Reward account also pays cashback on household bills, adding to the overall relationship value.

Not always — interestingly, NatWest's new-business remortgage rates are sometimes cheaper than its product-transfer (retention) rates. So even if you want to stay with NatWest, it can pay to compare both routes. A broker can quote NatWest's new-business rate alongside its product transfer and the wider market so you don't overpay.

Yes — NatWest's Green Mortgage offers a rate reduction for properties with an EPC rating of A or B. If your home is energy-efficient, it's worth checking whether you qualify, as the discount lowers your rate versus the standard product. Several other lenders (Halifax, Nationwide, Barclays) offer similar green incentives.

NatWest lends up to 90% LTV on remortgages for clean-credit borrowers in 2026. The best rates are at 60% LTV, stepping up at 75%, 85% and 90%. NatWest Premier extends enhanced lending for higher earners. For capital raising, NatWest typically caps at a lower LTV than the maximum purchase LTV.

Compare both — and compare NatWest's product transfer against its own new-business rate, which is sometimes cheaper. A product transfer is fast and needs no valuation or legal work. Switching to a new lender accesses the whole market but takes 4-8 weeks. If a rival (or NatWest's own new-business deal) is 0.3%+ cheaper than your retention rate, it's worth the switch.

Both are strong, flexible top-five lenders. Halifax (the UK's largest) is often marginally cheaper on headline rate and strong for self-employed and fast completion. NatWest is competitive across LTV bands with useful Reward and Premier relationship benefits. The cheaper of the two varies week to week — compare both rather than defaulting to either.

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