Can a broker do a product transfer with NatWest?

Yes, we can arrange a product transfer with NatWest on your behalf. We do all the heavy lifting and compare the offered product with relevant alternatives available through our comprehensive panel.

Is it cheaper to stay with NatWest or remortgage?

It depends on your current loan-to-value, credit score, and market conditions. A product transfer may avoid legal and valuation fees, depending on the lender and product, but another lender might offer a significantly lower interest rate. We'll crunch the numbers for you.

How long does a NatWest mortgage application take?

Application times vary depending on complexity and lender backlog, but typically a product transfer is instant or takes a few days, while a new application can take 2-4 weeks. We track it constantly to speed things up.

NatWest Mortgages & Product Transfers

We have access to NatWest's mortgage products available through our panel, including exclusive deals and product transfers for existing customers. We compare them against our comprehensive lender panel to assess which available option may suit your circumstances.

Getting a Mortgage with NatWest

Whether you're a first-time buyer, moving home, or self-employed, NatWest offers a competitive range of mortgage products with flexible underwriting criteria. If you're an existing customer, we can secure a NatWest product transfer (rate switch) for you, often with no legal fees or valuation needed. But before you lock in, we'll check if another lender could save you more money.

Review of NatWest mortgage products available through our panel
Hassle-free product transfers for existing NatWest customers
We compare NatWest against 80+ other UK lenders
Full management of your application from start to finish
free initial mortgage advice

Step 3 of 5

Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

NatWest Product Transfers

If your current NatWest mortgage deal is coming to an end, you might be offered a product transfer. This is a quick way to secure a new rate without a full remortgage. We can arrange this for you while also checking if switching to a new lender would be cheaper.

First-Time Buyers & Home Movers

NatWest provides various options for those buying a property, including competitive LTV (Loan-to-Value) products and flexible lending criteria. We can help you navigate their requirements and prepare an application that reflects your circumstances.

Why Use a Broker for NatWest?

Going direct means you only see one bank's products. By using us, you get access to NatWest's deals plus our comprehensive panel of 80+ lenders. We handle the paperwork, chase the lender, and help you assess the costs and suitability of the available options.

NatWest at a glance

Part of NatWest Group plc. Established 1968. Headquartered in Edinburgh. FCA firm reference number 121878.

Specialties

Self-employed friendly underwriting
Green Mortgage discount for EPC A/B
New-build lending up to 95% LTV
Standard residential and BTL

Lending criteria highlights

Min income: No formal minimum
Max LTV: 95% residential, 75% BTL
Max age at term end: 75 (residential)
Self-employed: Latest 1 year's SA302 accepted with strong trend
Contractors: Day-rate contractors: annualised weekly rate x 46

Where NatWest shines

Latest year's self-employed income used (not averaged)
Fast broker processing (many cases offer < 10 working days)
Green discount on qualifying homes

Watch-outs

Bonus income capped at 60% typically
Interest-only requires £50k+ equity

Criteria provenance

Source: NatWest lender or intermediary information, FCA Register records and adviser research

NatWest does not publish an explicit position on every point covered here. Where that is the case, the guidance reflects our adviser experience and should be confirmed with the lender before application.

Sources & further reading

These links include lender or intermediary information, background reading and FCA Register records. A general lender page does not substantiate every criterion above. Check current criteria before applying. You can independently verify lender authorisation on the FCA Financial Services Register.

NatWest Mortgages & Product Transfers — FAQs

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Your initial mortgage consultation is free with no obligation. If you decide to proceed with an application, a broker fee may apply depending on the complexity of your case — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). The exact amount is explained and agreed in writing before any chargeable work begins. Lenders may also pay us a procuration fee on completion.

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