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NatWest Intermediary Solutions

A dedicated knowledge base for mortgage intermediaries who are authorised to provide mortgage advice.

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To submit an application, or to manage an existing one, choose one of the options below.

Take a look at our new 2 year and 5 year 

 

Help to Buy Remortgage products

 

Current processing times
Current Service Levels
New broker registrations Registrations received on Wednesday 17th October
New Business Underwriting Applications received on Monday 22nd October 
Further Information Received on Monday 22nd October
LiveTALK average wait time 1 minute
Telephony average wait time 12 minutes
Average speed to offer purchase 13 days
Average speed to offer remortgage 12 days
Average speed to offer Product Transfer 2 days
Latest news

Help to Buy Shared Equity Remortgage launch


Effective Wednesday 19th September

We are delighted At NatWest Intermediary Solutions to be launching a new range of Help to Buy Shared Equity Remortgage products, which may allow customers with another lender to save money by remortgaging to NatWest.

 

We have also taken this opportunity to introduce rate reductions to our core and semi-exclusive range. Here’s a summary of the changes:

 

CORE RANGE

Residential

 

NEW

 

Help to Buy: Shared Equity Remortgage

 

2 year fixed rate remortgage – Shared equity

 

[FO18093] 60% LTV, 1.85% (4.0% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18094] 60% LTV, 2.90% (4.1% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18095] 70% LTV, 1.88% (4.0% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18096] 70% LTV, 2.90% (4.1% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18097] 75% LTV, 1.96% (4.0% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18098] 75% LTV, 2.90% (4.1% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

5 year fixed rate remortgage – Shared equity

 

[FO18099] 60% LTV, 2.15% (3.6% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18100] 60% LTV, 3.49% (4.0% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18101] 70% LTV, 2.24% (3.6% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18102] 70% LTV, 3.49% (4.0% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18103] 75% LTV, 2.26% (3.6% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18104] 75% LTV, 3.59% (4.1% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

2 year fixed rate remortgage

 

[FO18092] 75% LTV, 1.59% (4.0% APRC, 4.24% SVR), £995 product fee

 

Rate changes

 

2 year fixed rate purchase

 

[FO18088] 90% LTV, decreasing by 28bps from 3.35% to 3.07% (4.1% APRC, 4.24% SVR), £0 product fee

 

[FO18089] 95% LTV, decreasing by 22bps from 3.57% to 3.35% (4.2% APRC, 4.24% SVR), £0 product fee

 

5 year fixed rate purchase

 

[FO18090] 90% LTV, decreasing by 24bps from 3.81% to 3.57% (4.1% APRC, 4.24% SVR), £0 product fee

 

[FO18091] 95% LTV, decreasing by 43bps from 4.24% to 3.81% (4.2% APRC, 4.24% SVR), £0 product fee

 

Withdrawals

 

2 year fixed rate remortgage

 

[FO18083] 75% LTV, 1.58% (4.1% APRC, 4.24% SVR), £995 product fee – High Value Product

 

[FO18033] 75% LTV, 1.59% (3.9% APRC, 4.24% SVR), £995 product fee

 

Semi-Exclusives

 

Residential

 

NEW

 

2 year fixed rate purchase

 

[FO18109] 70% LTV, 1.63% (4.0% APRC, 4.24% SVR), £995 product fee, £350 cashback

[FO18110] 75% LTV, 1.63% (4.0% APRC, 4.24% SVR), £995 product fee, £350 cashback

[FO18111] 80% LTV, 1.74% (4.0% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18112] 85% LTV, 1.74% (4.0% APRC, 4.24% SVR), £995 product fee, £250 cashback

5 year fixed rate purchase

 

[FO18114] 60% LTV, 2.10% (3.5% APRC, 4.24% SVR), £0 product fee, £350 cashback

[FO18130] 85% LTV, 2.14% (3.6% APRC, 4.24% SVR), £995 product fee, £350 cashback

[FO18132] 90% LTV, 2.34% (3.6% APRC, 4.24% SVR), £995 product fee, £250 cashback

 

2 year fixed rate remortgage

 

[FO18134] 80% LTV, 1.73% (3.9% APRC, 4.24% SVR), £995 product fee

First time buyer

 

5 year fixed rate purchase

 

[FO18141] 80% LTV, 2.39% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18142] 85% LTV, 2.51% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18143] 90% LTV, 2.76% (3.7% APRC, 4.24% SVR), £0 product fee, , £500 cashback

Rate changes

 

2 year fixed rate purchase

 

[FO18113] 90% LTV, decreasing by 5bps from 1.98% to 1.93% (4.0% APRC, 4.24% SVR), £995 product fee, £350 cashback

 

5 year fixed rate purchase

 

[FO18115] 70% LTV, decreasing by 17bps from 2.38% to 2.21% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

[FO18116] 75% LTV, decreasing by 25bps from 2.47% to 2.22% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

[FO18129] 80% LTV, decreasing by 6bps from 2.47% to 2.41% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

[FO18131] 85% LTV, decreasing by 5bps from 2.59% to 2.53% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

[FO18133] 90% LTV, decreasing by 20bps from 3.02% to 2.82% (3.8% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

5 year fixed rate remortgage

 

[FO18137] 75% LTV, decreasing by 14bps from 2.28% to 2.14% (3.5% APRC, 4.24% SVR), £0 product fee

 

[FO18138] 85% LTV, decreasing by 14bps from 2.28% to 2.14% (3.6% APRC, 4.24% SVR), £995 product fee

 

[FO18140] 90% LTV, decreasing by 5bps from 2.79% to 2.49% (3.6% APRC, 4.24% SVR), £0 product fee

 

[FO18139] 90% LTV, decreasing by 20bps from 2.48% to 2.34% (3.6% APRC, 4.24% SVR), £995 product fee

 

Withdrawals

 

2 year fixed rate purchase

 

[FO17948] 80% LTV, 1.87% (4.0% APRC, 4.24% SVR), £995 product fee, £350 cashback

 

5 year fixed rate purchase

 

[FO17917] 60% LTV, 2.33% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18064] 85% LTV, 2.26% (3.6% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18065] 90% LTV, 2.50% (3.7% APRC, 4.24% SVR), £995 product fee, £350 cashback

 

Existing Mortgage Customers

 

There are no changes

 

End dates

 

Transitional arrangements

 

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Tuesday 18th September 2018.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Tuesday 2nd October 2018.

 

If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Wednesday 19th September 2018. Requests received after this time will not be considered.

 

Your email must include in bullet points:

 

  • Your details - name, company and postcode
  • Customer name
  • Product applying for
  • Amount of mortgage loan
  • Reason for paper application - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided
  • State whether you were trying to submit via NatWest Intermediary Solutions’ website or the Mortgage Trading Exchange

 

Paper applications must be signed by all applicants and the original received at the following address by close of business on Friday 21st September 2018 for your rate to be honoured:

 

 

FREEPOST NatWest Intermediary Solutions

Mortgage Centre

Cartsdyke Avenue

Greenock

PA15 1ED

 

 

For a complete listing of all our mortgage products, please visit the product page on our web site.

As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept.

 

Packaging Requirements Guide updated


Thursday 9th September

We have updated our Packaging Requirements guide, which can now be found on our Forms and guides page.

 

The update relates to a change in the evidence required for fluctuating income.

 

For employed customers who receive discretionary bonuses (monthly), regular commission, shift allowance and overtime payments, the evidence we need has changed from 6 months payslips to 3 months consecutive payslips and the most recent P60.

 

If the customer is unable to provide a P60, they can still send in the 6 months payslips.

 

For quarterly bonuses, the evidence we require remains the same: We evidence this by 4 payslips detailing the most recent bonus payments – one from each quarter.

Rate changes to core and semi-exclusive ranges


Effective Thursday 30th August

We are introducing changes to our core, semi-exclusive and buy to let ranges. Here’s a summary of the changes:

 

Here’s a full list the changes with product codes in brackets:

CORE RANGE

Residential

 

RATE CHANGES

 

2 year fixed rate purchase

 

[FO18025] 90% LTV, decreasing by 6bps from 2.39% to 2.33% (4.1% APRC, 4.24% SVR), £995 product fee

 

5 year fixed rate purchase

 

[FO18026] 70% LTV, decreasing by 1bps from 2.00% to 1.99% (3.5% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18027] 75% LTV, decreasing by 2bps from 2.00% to 1.99% (3.5% APRC, 4.24% SVR), £995 product fee, £250 cashback

 

2 year fixed rate remortgage

 

[FO18029] 60% LTV, decreasing by 25bps from 2.69% to 2.44% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18028] 60% LTV, decreasing by 36bps from 1.90% to 1.54% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18032] 70% LTV, decreasing by 30bps from 2.79% to 2.49% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18031] 70% LTV, decreasing by 50bps from 2.09% to 1.59% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18034] 75% LTV, decreasing by 30bps from 2.79% to 2.49% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18033] 75% LTV, decreasing by 50bps from 2.09% to 1.59% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18036] 80% LTV, decreasing by 35bps from 2.89% to 2.54% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18035] 80% LTV, decreasing by 40bps from 2.18% to 1.78% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18038] 85% LTV, decreasing by 44bps from 2.98% to 2.54% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18037] 85% LTV, decreasing by 50bps from 2.38% to 1.88% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18040] 90% LTV, decreasing by 49bps from 3.08% to 2.59% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18039] 90% LTV, decreasing by 50bps from 2.70% to 2.20% (4.0% APRC, 4.24% SVR), £995 product fee

 

5 year fixed rate remortgage

 

[FO18042] 60% LTV, decreasing by 48bps from 2.97% to 2.49% (3.6% APRC, 4.24% SVR), £0 product fee

[FO18041] 60% LTV, decreasing by 50bps from 2.44% to 1.94% (4.1% APRC, 4.24% SVR), £995 product fee

[FO18044] 70% LTV, decreasing by 49bps from 3.03% to 2.54% (3.6% APRC, 4.24% SVR), £0 product fee

[FO18043] 70% LTV, decreasing by 50bps from 2.58% to 2.08% (3.5% APRC, 4.24% SVR), £995 product fee

[FO18046] 75% LTV, decreasing by 50bps from 3.05% to 2.55% (3.6% APRC, 4.24% SVR), £0 product fee

[FO18045] 75% LTV, decreasing by 50bps from 2.73% to 2.23% (3.6% APRC, 4.24% SVR), £995 product fee

[FO18048] 80% LTV, decreasing by 50bps from 3.17% to 2.67% (3.7% APRC, 4.24% SVR), £0 product fee

[FO18047] 80% LTV, decreasing by 49bps from 2.83% to 2.34% (3.6% APRC, 4.24% SVR), £995 product fee

[FO18050] 85% LTV, decreasing by 50bps from 3.38% to 2.88% (3.8% APRC, 4.24% SVR), £0 product fee

[FO18049] 85% LTV, decreasing by 43bps from 3.13% to 2.70% (3.8% APRC, 4.24% SVR), £995 product fee

[FO18030] 90% LTV, decreasing by 50bps from 3.74% to 3.24% (3.9% APRC, 4.24% SVR), £0 product fee

[FO18051] 90% LTV, decreasing by 50bps from 3.28% to 2.78% (3.8% APRC, 4.24% SVR), £995 product fee

 

2 year fixed rate remortgage – High Value

 

[FO18082] 60% LTV, decreasing by 12bps from 1.65% to 1.53% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18083] 70% LTV, decreasing by 21bps from 1.79% to 1.58% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18084] 75% LTV, decreasing by 21bps from 1.79% to 1.58% (3.9% APRC, 4.24% SVR), £995 product fee

 

5 year fixed rate remortgage – High Value

 

[FO18085] 60% LTV, decreasing by 21bps from 2.14% to 1.93% (3.4% APRC, 4.24% SVR), £995 product fee

[FO18086] 70% LTV, decreasing by 29bps from 2.28% to 1.99% (3.4% APRC, 4.24% SVR), £995 product fee

[FO18087] 75% LTV, decreasing by 44bps from 2.43% to 1.99% (3.4% APRC, 4.24% SVR), £995 product fee

 

Buy-to-let

RATE CHANGES

 

2 year fixed rate remortgage

 

[FO18053] 60% LTV, decreasing by 50bps from 3.27% to 2.77% (4.5% APRC, 4.74% SVR), £0 product fee

[FO18055] 70% LTV, decreasing by 50bps from 3.52% to 3.02% (4.5% APRC, 4.74% SVR), £0 product fee

[FO18057] 75% LTV, decreasing by 50bps from 3.57% to 3.07% (4.6% APRC, 4.74% SVR), £0 product fee

 

5 year fixed rate remortgage

 

[FO18059] 60% LTV, decreasing by 50bps from 3.54% to 3.04% (4.2% APRC, 4.74% SVR), £0 product fee

[FO18058] 60% LTV, decreasing by 13bps from 2.44% to 2.31% (4.0% APRC, 4.74% SVR), £995 product fee

[FO18060] 70% LTV, decreasing by 50bps from 3.98% to 3.48% (4.3% APRC, 4.74% SVR), £0 product fee

[FO18061] 75% LTV, decreasing by 50bps from 4.07% to 3.57% (4.4% APRC, 4.74% SVR), £0 product fee

 

RATE CHANGES and FEE CHANGES

 

2 year fixed rate remortgage

 

[FO18052] 60% LTV, decreasing by 20bps from 2.04% to 1.84% (4.6% APRC, 4.49% SVR), Fee decreasing from £1,995 to £995

[FO18054] 70% LTV, decreasing by 21bps from 2.59% to 2.38% (4.7% APRC, 4.49% SVR), Fee decreasing from £1,995 to £995

[FO18056] 75% LTV, decreasing by 27bps from 2.78% to 2.51% (4.7% APRC, 4.49% SVR), Fee decreasing from £1,995 to £995

 

Semi-Exclusives

 

Residential

 

RATE CHANGES

 

5 year fixed rate purchase

 

[FO18062] 75% LTV, increasing by 2bps from 2.45% to 2.47% (3.6% APRC, 4.24% SVR), £0 Product fee, £500 cashback

[FO18063] 80% LTV, increasing by 4bps from 2.04% to 2.08% (3.5% APRC, 4.24% SVR), £995 product fee, £350 cashback

[FO18064] 85% LTV, increasing by 2bps from 2.24% to 2.26% (3.6% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18065] 90% LTV, increasing by 4bps from 2.46% to 2.50% (3.7% APRC, 4.24% SVR), £995 product fee, £350 cashback

[FO18066] 90% LTV, increasing by 1bps from 3.01% to 3.02% (3.8% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

5 year fixed rate remortgage

 

[FO18067] 80% LTV, increasing by 2bps from 2.10% to 2.12% (3.5% APRC, 4.24% SVR), £995 product fee

[FO18068] 90% LTV, increasing by 2bps from 2.46% to 2.48% (3.7% APRC, 4.24% SVR), £995 product fee

 

WITHDRAWALS

 

2 year fixed rate remortgage

[FO17803] 60% LTV, 1.61% (4.0% APRC, 4.24% SVR), £995 product fee

 

Buy-to-let

RATE CHANGES

 

2 year fixed rate remortgage

 

[FO18077] 70% LTV, increasing by 1bps from 1.94% to 1.95% (4.5% APRC, 4.74% SVR), £995 product fee

 

5 year fixed rate remortgage

 

[FO18078] 60% LTV, decreasing by 9bps from 2.57% to 2.48% (3.9% APRC, 4.74% SVR), £0 product fee

[FO18080] 70% LTV, decreasing by 18bps from 2.99% to 2.81% (4.1% APRC, 4.74% SVR), £0 product fee

[FO18079] 70% LTV, decreasing by 3bps from 2.67% to 2.64% (4.1% APRC, 4.74% SVR), £995 product fee

[FO18081] 75% LTV, decreasing by 20bps from 3.08% to 2.88% (4.1% APRC, 4.74% SVR), £0 product fee

2 year fixed rate purchase

 

[FO18069] 60% LTV, increasing by 3bps from 1.65% to 1.68% (4.4% APRC, 4.74% SVR), £995 product fee

[FO18070] 75% LTV, increasing by 1bps from 1.93% to 1.94% (4.5% APRC, 4.74% SVR), £995 product fee

 

5 year fixed rate purchase

 

[FO18072] 60% LTV, increasing by 5bps from 2.32% to 2.37% (3.9% APRC, 4.74% SVR), £0 product fee

[FO18071] 60% LTV, increasing by 5bps from 2.11% to 2.16% (3.9% APRC, 4.74% SVR), £995 product fee

[FO18073] 70% LTV, increasing by 2bps from 2.61% to 2.63% (4.1% APRC, 4.74% SVR), £995 product fee

[FO18074] 70% LTV, increasing by 2bps from 2.71% to 2.73% (4.0% APRC, 4.74% SVR), £0 product fee

[FO18075] 75% LTV, increasing by 2bps from 2.61% to 2.63% (4.1% APRC, 4.74% SVR), £995 product fee

[FO18076] 75% LTV, increasing by 2bps from 2.75% to 2.77% (4.0% APRC, 4.74% SVR), £0 product fee

 

WITHDRAWALS

 

2 year fixed rate remortgage

 

[FO17774] 60% LTV, 1.88% (4.5% APRC, 4.74% SVR), £995 product fee

 

Existing Mortgage Customers

 

There are no changes

 

End dates

 

There are no changes to end dates

 

Transitional arrangements

 

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Wednesday 29th August 2018.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Wednesday 12th September 2018.

 

If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Thursday 30th August 2018. Requests received after this time will not be considered.

 

Your email must include in bullet points:

 

  • Your details - name, company and postcode
  • Customer name
  • Product applying for
  • Amount of mortgage loan
  • Reason for paper application - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided
  • State whether you were trying to submit via NatWest Intermediary Solutions’ website or the Mortgage Trading Exchange

 

Paper applications must be signed by all applicants and the original received at the following address by close of business on Monday 3rd September 2018 for your rate to be honoured:

 

 

FREEPOST NatWest Intermediary Solutions

Mortgage Centre

Cartsdyke Avenue

Greenock

PA15 1ED

 

 

For a complete listing of all our mortgage products, please visit the product page on our web site.

As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept.

 

NatWest launches comprehensive New Build guide

Tuesday 21st August

At NatWest we appreciate that the process involved in buying a New Build property can be a complex one. With this in mind we have created a guide focused solely on New Build which we hope you’ll find useful should you or your customers have any questions on our New Build process or criteria.

 

The guide offers a really useful overview of important points that you need to know when placing New Build business with NatWest, such as:

 

·         The companies that are on our approved list for structural warranties.

·         What we accept in regards to builders incentives.

·         Details of our offer extension process.

 

You can find it in the forms and guides section of our website here.

 

Changes to how we capture childcare costs

Tuesday 21st August

We have implemented changes to the way we capture childcare costs, in order to accurately take into account the customer’s monthly childcare expenses.

 

What’s changing?

We now use the amount the customer has declared and will no longer use ONS data in our affordability calculations. Customers with dependants will be asked about the type of childcare they use, how often and how much they spend. We have implemented this change to make sure we capture a true reflection of the customer’s financial circumstances and expenditure.

·         Customers will now be asked to include their specific childcare costs as a Financial Commitment and will cease to use the average ONS data for this outgoing.

·         There is no formal evidence which is required for childcare costs, however if there is a difference between what is on the evidence provided as part of the application and the declared costs, this should be challenged/discussed to ensure the correct figure is used for the customer.

·         As part of the affordability discussion (which takes place as part of your advice process) , you will already be discussing with the customer whether it’s certain or likely that childcare costs will change over the next 5 years. The highest figure should be used over the 5 year period.

·         In some circumstances childcare costs may be unknown, for example if the customer is currently pregnant, on maternity leave or if childcare arrangements are yet to be made. Customers can suggest likely future costs or you can refer to the national average figures, which are located in our A-Z section under ‘childcare’ here.

 

When should childcare costs not be calculated?

There are a number of situations where childcare cost should not be captured in the affordability calculations. These include:

·         Where customers are using free childcare e.g. a relative to look after their child.

·         Where the childcare costs are stopping within the next 6 months.

 

NatWest mortgage Standard Variable Rate (SVR) increase to 0.25%

Effective from Monday 20th August

The Standard Variable Rates (SVRs) for our residential and buy-to-let mortgages will increase by 0.25% on Monday 20th August. This is to reflect the recent rise in the Bank of England’s Base Rate and means that the SVR for all new residential mortgage deals will be 4.24% and for all new buy-to-let mortgage deals it will be 4.74%. All existing NatWest mortgage customers on an SVR will have their rate increased with effect from 1 September 2018.

 

Customers currently on a fixed rate deal or awaiting completion will move onto the new SVR at the end of their current product term.  

 

All product codes will remain unchanged. For a complete listing of all our mortgage products, please visit the product page on our web site.

 

NatWest Intermediary Solutions wins two industry awards

Tuesday 17th July

We are delighted to receive two more industry awards. At the Simply Biz awards Luke Christodoulides picked up Account Manager of the Year and we were also acknowledged with 'Highly Commended' for Residential Lender of the Year.

Rate changes to core and semi-exclusive ranges


Effective Thursday 5th July

 

We are introducing changes to our core and semi-exclusive ranges. Here’s a summary of the changes:

 

Here’s a full list the changes with product codes in brackets:

CORE RANGE

Residential

 

RATE CHANGES

 

2 year fixed rate purchase

 

[FO17809] 95% LTV, decreasing by 14bps from 3.71% to 3.57% (4.0% APRC, 3.99% SVR), £0 product fee

 

5 year fixed rate purchase

 

[FO17904] 95% LTV, decreasing by 19bps from 4.43% to 4.24% (4.2% APRC, 3.99% SVR), £0 product fee

[FO17859] 70% LTV, increasing by 1bps from 1.99% to 2.00% (3.3% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO17869] 80% LTV, increasing by 3bps from 2.18% to 2.21% (3.4% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO17870] 85% LTV, increasing by 2bps from 2.34% to 2.36% (3.4% APRC, 3.99% SVR), £995 product fee, £250 cashback

 

Buy-to-let

RATE CHANGES

 

2 year fixed rate purchase

 

[FO17804] 60% LTV, decreasing by 10bps from 1.84% to 1.74% (4.2% APRC, 4.49% SVR), £995 product fee

[FO17824] 70% LTV, decreasing by 8bps from 2.63% to 2.56% (4.3% APRC, 4.49% SVR), £0 product fee

[FO17806] 70% LTV, decreasing by 15bps from 2.12% to 1.97% (4.3% APRC, 4.49% SVR), £995 product fee

[FO17826] 75% LTV, decreasing by 5bps from 2.72% to 2.67% (4.3% APRC, 4.49% SVR), £0 product fee

 

5 year fixed rate purchase

 

[FO17932] 60% LTV, decreasing by 11bps from 2.88% to 2.77% (3.9% APRC, 4.49% SVR), £0 product fee

[FO17906] 75% LTV, decreasing by 20bps from 2.99% to 2.79% (4.0% APRC, 4.49% SVR), £995 product fee

[FO17931] 60% LTV, increasing by 2bps from 2.28% to 2.30% (3.8% APRC, 4.49% SVR), £995 product fee

 

Semi-Exclusives

 

Residential

 

NEW

2 year fixed rate purchase

 

[FO17948] 80% LTV, 1.87% (3.8% APRC, 3.99% SVR), £995 product fee, £350 cashback

[FO17949] 90% LTV, 1.98% (3.8% APRC, 3.99% SVR), £995 product fee, £350 cashback

 

RATE CHANGES

 

5 year fixed rate purchase

 

[FO17917] 60% LTV, decreasing by 2bps from 2.35% to 2.33% (3.4% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO17903] 60% LTV, decreasing by 2bps from 1.91% to 1.89% (3.3% APRC, 3.99% SVR), £995 product fee, £350 cashback

[FO17918] 70% LTV, decreasing by 1bps from 1.95% to 1.94% (3.3% APRC, 3.99% SVR), £995 product fee, £350 cashback

[FO17920] 75% LTV, decreasing by 1bps from 1.95% to 1.94% (3.3% APRC, 3.99% SVR), £995 product fee, £350 cashback

[FO17928] 80% LTV, decreasing by 1bps from 2.05% to 2.04% (3.4% APRC, 3.99% SVR), £995 product fee, £350 cashback

[FO17914] 85% LTV, decreasing by 3bps from 2.62% to 2.59% (3.5% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO17929] 90% LTV, decreasing by 3bps from 2.49% to 2.46% (3.5% APRC, 3.99% SVR), £995 product fee, £350 cashback

[FO17921] 75% LTV, increasing by 3bps from 2.43% to 2.45% (3.5% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO17837] 80% LTV, increasing by 3bps from 2.46% to 2.47% (3.5% APRC, 3.99% SVR), £0 product fee, £500 cashback

 

5 year fixed rate remortgage

 

[FO17922] 60% LTV, decreasing by 2bps from 1.91% to 1.89% (3.3% APRC, 3.99% SVR), £995 product fee

[FO17923] 60% LTV, decreasing by 4bps from 2.13% to 2.09% (3.3% APRC, 3.99% SVR), £0 product fee

[FO17924] 70% LTV, decreasing by 1bps from 1.95% to 1.94% (3.3% APRC, 3.99% SVR), £995 product fee

[FO17930] 70% LTV, decreasing by 5bps from 2.19% to 2.14% (3.3% APRC, 3.99% SVR), £0 product fee

[FO17925] 75% LTV, decreasing by 1bps from 1.95% to 1.94% (3.3% APRC, 3.99% SVR), £995 product fee

[FO17916] 80% LTV, decreasing by 5bps from 2.15% to 2.10% (3.4% APRC, 3.99% SVR), £995 product fee

[FO17838] 85% LTV, decreasing by 6bps from 2.34% to 2.28% (3.5% APRC, 3.99% SVR), £995 product fee

[FO17840] 90% LTV, decreasing by 23bps from 2.69% to 2.46% (3.5% APRC, 3.99% SVR), £995 product fee

 

Buy-to-let

Withdrawals

 

2 year fixed rate purchase

 

[FO17239] 75% LTV, 2.71% (4.3% APRC, 4.49% SVR), £0 product fee,

 

RATE CHANGES

 

2 year fixed rate purchase

 

[FO17818] 60% LTV, decreasing by 18bps from 1.83% to 1.65% (4.2% APRC, 4.49% SVR), £995 product fee

[FO17784] 70% LTV, decreasing by 9bps from 2.02% to 1.93% (4.2% APRC, 4.49% SVR), £995 product fee

[FO17829] 75% LTV, decreasing by 14bps from 2.07% to 1.93% (4.2% APRC, 4.49% SVR), £995 product fee

 

5 year fixed rate purchase

 

[FO17886] 60% LTV, decreasing by 9bps from 2.41% to 2.32% (3.7% APRC, 4.49% SVR), £0 product fee

[FO17882] 60% LTV, increasing by 2bps from 2.09% to 2.11% (3.8% APRC, 4.49% SVR), £995 product fee

[FO17842] 70% LTV, increasing by 10bps from 2.61% to 2.71% (3.9% APRC, 4.49% SVR), £0 product fee

[FO17927] 70% LTV, increasing by 6bps from 2.55% to 2.61% (3.9% APRC, 4.49% SVR), £995 product fee

[FO17843] 75% LTV, increasing by 1bps from 2.74% to 2.75% (3.9% APRC, 4.49% SVR), £995 product fee

[FO17887] 75% LTV, increasing by 6bps from 2.55% to 2.61% (3.9% APRC, 4.49% SVR), £995 product fee

 

2 year fixed rate remortgage

 

[FO17774] 60% LTV, decreasing by 2bps from 2.00% to 1.88% (4.3% APRC, 4.49% SVR), £995 product fee

[FO17776] 70% LTV, decreasing by 12bps from 2.06% to 1.94% (4.3% APRC, 4.49% SVR), £995 product fee

[FO17778] 75% LTV, decreasing by 8bps from 2.19% to 2.11% (4.3% APRC, 4.49% SVR), £995 product fee

 

5 year fixed rate remortgage

 

[FO17878] 70% LTV, decreasing by 1bps from 2.68% to 2.67% (4.0% APRC, 4.49% SVR), £995 product fee

[FO17890] 75% LTV, decreasing by 1bps from 2.68% to 2.67% (4.0% APRC, 4.49% SVR), £995 product fee

[FO17877] 60% LTV, increasing by 1bps from 2.20% to 2.21% (3.8% APRC, 4.49% SVR), £995 product fee

 

 

End Dates

 

2 Year Term End Dates Moving from 30/11/2020 to 31/12/2020

5 Year Term End Dates Moving from 30/11/2023 to 31/12/2023

 

 

 

.

Transitional arrangements

 

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Wednesday 4th July 2018.

 

The supporting documentation for applications on these products must be received in our Mortgage Processing Centre by close of business on Wednesday 18th July 2018. Please submit all packaging documentation together to ensure the application can be dealt with efficiently.

 

If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Thursday 5th July 2018. Requests received after this time will not be considered.

 

Your email must include in bullet points:

 

  • Your details - name, company and postcode
  • Customer name
  • Product applying for
  • Amount of mortgage loan
  • Reason for paper application - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided
  • State whether you were trying to submit via NatWest Intermediary Solutions’ website or the Mortgage Trading Exchange

 

Paper applications must be signed by all applicants and the original received at the following address by close of business on Monday 9th July 2018 for your rate to be honoured. You must hold a valid illustration produced prior to rate withdrawal.

 

 

FREEPOST NatWest Intermediary Solutions

Mortgage Centre

Cartsdyke Avenue

Greenock

PA15 1ED

 

 

For a complete listing of all our mortgage products, please visit the product page on our web site.

 

As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept.

 

If you have any questions please do not hesitate to call me or use our dedicated instant messaging service LiveTALK

Rate changes to core and semi-exclusive ranges


Effective Wednesday 7th June

 

We are introducing changes to our core and semi-exclusive ranges. Here’s a summary of the changes:

 

Here’s a full list the changes with product codes in brackets:

 

CORE RANGE

Residential

 

NEW

 

2 year fixed rate purchase

 

[FO17138] 60% LTV, 1.54% (3.8% APRC, 3.99% SVR), £995 product fee, £250 cashback

 

WITHDRAWALS

 

2 year fixed rate purchase

 

[FO16986] 60% LTV, 1.66% (3.8% APRC, 3.99% SVR), £995 product fee

 

RATE CHANGES

 

5 year fixed rate purchase

 

[FO17139] 60% LTV, increasing by 1bps from 1.94% to 1.95% (3.4% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO17140] 70% LTV, increasing by 1bps from 1.98% to 1.99% (3.3% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO17141] 75% LTV, increasing by 2bps from 1.98% to 2.00% (3.4% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO17142] 80% LTV, increasing by 8bps from 2.10% to 2.18% (3.4% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO17143] 85% LTV, increasing by 3bps from 2.31% to 2.34% (3.4% APRC, 3.99% SVR), £995 product fee, £250 cashback

 

Semi-Exclusives

 

Residential

 

NEW

 

2 year fixed rate purchase

 

[FO17144] 60% LTV, 1.53% (3.8% APRC, 3.99% SVR), £995 product fee, £350 cashback

 

5 year fixed rate purchase

 

[FO17145] 60% LTV, 1.91% (3.3% APRC, 3.99% SVR), £995 product fee, £350 cashback

 

2 year fixed rate remortgage

 

[FO17153] 60% LTV, 1.61% (3.8% APRC, 3.99% SVR), £995 product fee

 

WITHDRAWALS

 

5 year fixed rate purchase

 

[FO17100] 60% LTV, 1.89% (3.3% APRC, 3.99% SVR), £995 product fee, £250 cashback

 

5 year fixed rate purchase

 

[FO17146] 70% LTV, increasing by 1bps from 1.94% to 1.95% (3.3% APRC, 3.99% SVR), £995 product fee, £350 cashback

[FO17148] 75% LTV, increasing by 5bps from 2.38% to 2.43% (3.4% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO17147] 75% LTV, increasing by 1bps from 1.94% to 1.95% (3.3% APRC, 3.99% SVR), £995 product fee, £350 cashback

[FO17150] 80% LTV, increasing by 1bps from 2.45% to 2.46% (3.5% APRC, 3.99% SVR), £0 product fee, £250 cashback

[FO17149] 80% LTV, increasing by 1bps from 2.04% to 2.05% (3.4% APRC, 3.99% SVR), £995 product fee, £500 cashback

[FO17151] 85% LTV, increasing by 8bps from 2.16% to 2.24% (3.4% APRC, 3.99% SVR), £995 product fee, £500 cashback

[FO17152] 90% LTV, increasing by 2bps from 2.99% to 3.01% (3.7% APRC, 3.99% SVR), £0 product fee, £500 cashback

 

5 year fixed rate remortgage

 

[FO17154] 60% LTV, increasing by 2bps from 1.89% to 1.91% (3.3% APRC, 3.99% SVR), £995 product fee

[FO17155] 60% LTV, increasing by 4bps from 2.09% to 2.13% (3.3% APRC, 3.99% SVR), £0 product fee

[FO17157] 70% LTV, increasing by 5bps from 2.14% to 2.19% (3.4% APRC, 3.99% SVR), £0 product fee

[FO17156] 70% LTV, increasing by 1bps from 1.94% to 1.95% (3.3% APRC, 3.99% SVR), £995 product fee

[FO17158] 75% LTV, increasing by 1bps from 1.94% to 1.95% (3.3% APRC, 3.99% SVR), £995 product fee

[FO17159] 75% LTV, increasing by 1bps from 2.27% to 2.28% (3.4% APRC, 3.99% SVR), £0 product fee

[FO17160] 80% LTV, increasing by 5bps from 2.10% to 2.15% (3.4% APRC, 3.99% SVR), £995 product fee

[FO17161] 80% LTV, increasing by 1bps from 2.28% to 2.29% (3.4% APRC, 3.99% SVR), £0 product fee

[FO17162] 85% LTV, increasing by 10bps from 2.24% to 2.34% (3.5% APRC, 3.99% SVR), £995 product fee

[FO17163] 90% LTV, increasing by 20bps from 2.49% to 2.69% (3.6% APRC, 3.99% SVR), £995 product fee, £500 cashback

 

End Dates

 

2 YrTerm End Dates Moving from 31/07/2020 to 30/11/2020

5 YrTerm End Dates Moving from 31/07/2023 to 30/11/2023

 

 

Transitional arrangements

 

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Wednesday 6th June 2018.

 

The supporting documentation for applications on these products must be received in our Mortgage Processing Centre by close of business on Wednesday 20th June 2018. Please submit all packaging documentation together to ensure the application can be dealt with efficiently.

 

If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Thursday 7th June 2018. Requests received after this time will not be considered.

 

Your email must include in bullet points:

 

  • Your details - name, company and postcode
  • Customer name
  • Product applying for
  • Amount of mortgage loan
  • Reason for paper application - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided
  • State whether you were trying to submit via NatWest Intermediary Solutions’ website or the Mortgage Trading Exchange

 

Paper applications must be signed by all applicants and the original received at the following address by close of business on Monday 11th June 2018 for your rate to be honoured. You must hold a valid illustration produced prior to rate withdrawal.

 

 

FREEPOST NatWest Intermediary Solutions

Mortgage Centre

Cartsdyke Avenue

Greenock

PA15 1ED

 

 

For a complete listing of all our mortgage products, please visit the product page on our web site.

 

As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept.

 

If you have any questions please do not hesitate to call me or use our dedicated instant messaging service LiveTALK.

 

 

NatWest Intermediary Solutions wins two industry awards

Monday 4th June

 

We are delighted to have won two prestigous industry awards.

 

We have been named by the Mortgage Advice Bureau as Best Lender for Service for the second year running, and Emma Littleford won the BDM of the Year Award.

 

Rate changes to core and semi-exclusive ranges

Effective from Tuesday 15th May

 

We are introducing changes to our core and semi-exclusive ranges. Here’s a summary of the changes:

 

Here’s a full list the changes with product codes in brackets:

 

CORE RANGE

Residential

 

RATE CHANGES

 

2 year fixed rate purchase

 

[FO17091] 95% LTV, increasing by 2bps from 3.69% to 3.71% (4.0% APRC, 3.99% SVR), £0 product fee

 

5 year fixed rate purchase

 

[FO17092] 60% LTV, increasing by 5bps from 1.89% to 1.94% (3.4% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO17093] 70% LTV, increasing by 4bps from 1.94% to 1.98% (3.3% APRC, 3.99% SVR), 0 product fee

[FO17094] 75% LTV, increasing by 4bps from 1.94% to 1.98% (3.3% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO17096] 80% LTV, increasing by 8bps from 3.30% to 3.38% (3.8% APRC, 3.99% SVR), £0 product fee

[FO17095] 80% LTV, increasing by 6bps from 2.04% to 2.10% (3.4% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO17097] 85% LTV, increasing by 13bps from 2.18% to 2.31% (3.4% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO17098] 85% LTV, increasing by 7bps from 3.43% to 3.50% (3.9% APRC, 3.99% SVR), 0 product fee

[FO17099] 95% LTV, increasing by 9bps from 4.32% to 4.43% (4.3% APRC, 3.99% SVR), 0 product fee

 

Semi-Exclusives

 

Residential

 

NEW

 

5 year fixed rate purchase

 

[FO17101] 60% LTV, 2.35% (3.4% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO17100] 60% LTV, 1.89% (3.3% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO17102] 70% LTV, 1.94% (3.3% APRC, 3.99% SVR), £995 product fee, £350 cashback

[FO17103] 70% LTV, 2.38% (3.4% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO17104] 75% LTV, 1.94% (3.3% APRC, 3.99% SVR), £995 product fee, £350 cashback

[FO17105] 75% LTV, 2.38% (3.4% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO17135] 80% LTV, 2.04% (3.4% APRC, 3.99% SVR), £995 product fee, £350 cashback

[FO17136] 90% LTV, 2.49% (3.5% APRC, 3.99% SVR), £995 product fee, £350 cashback

 

5 year fixed rate remortgage

 

[FO17114] 60% LTV, 1.89% (3.3% APRC, 3.99% SVR), £995 product fee

[FO17115] 60% LTV, 2.09% (3.3% APRC, 3.99% SVR), £0 product fee

[FO17116] 70% LTV, 1.94% (3.3% APRC, 3.99% SVR), £995 product fee

[FO17137] 70% LTV, 2.14% (3.3% APRC, 3.99% SVR), £0 product fee

[FO17117] 75% LTV, 1.94% (3.3% APRC, 3.99% SVR), £995 product fee

[FO17118] 75% LTV, 2.27% (3.4% APRC, 3.99% SVR), £0 product fee

 

WITHDRAWALS

 

5 year fixed rate purchase

 

[FO16802] 60% LTV, 2.19% (3.4% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO16803] 70% LTV, 1.92% (3.3% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO17004] 70% LTV, 2.32% (3.4% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO16806] 75% LTV, 2.37% (3.4% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO16805] 75% LTV, 1.92% (3.3% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO17005] 80% LTV, 2.02% (3.4% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO16810] 90% LTV, 2.44% (3.5% APRC, 3.99% SVR), £995 product fee

 

5 year fixed rate remortgage

 

[FO16813] 60% LTV, 2.09% (3.3% APRC, 3.99% SVR), £0 product fee

[FO17010] 60% LTV, 1.89% (3.3% APRC, 3.99% SVR), £995 product fee

[FO16815] 70% LTV, 2.14% (3.3% APRC, 3.99% SVR), £0 product fee

[FO16814] 70% LTV, 1.94% (3.3% APRC, 3.99% SVR), £995 product fee

[FO17011] 75% LTV, 2.22% (3.4% APRC, 3.99% SVR), £0 product fee

[FO16816] 75% LTV, 1.94% (3.3% APRC, 3.99% SVR), £995 product fee

 

RATE CHANGES

 

5 year fixed rate purchase

 

[FO17107] 80% LTV, increasing by 1bps from 2.44% to 2.45% (3.5% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO17108] 85% LTV, increasing by 16bps from 2.46% to 2.62% (3.5% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO17110] 90% LTV, increasing by 16bps from 2.83% to 2.99% (3.7% APRC, 3.99% SVR), £0 product fee, £500 cashback

 

5 year fixed rate remortgage

 

[FO17112] 80% LTV, increasing by 4bps from 2.24% to 2.28% (3.4% APRC, 3.99% SVR), £0 product fee

 

Buy-to-let

NEW

 

5 year fixed rate purchase

 

[FO17124] 70% LTV, 2.55% (3.9% APRC, 4.49% SVR), £995 product fee

 

RATE CHANGES

 

2 year fixed rate purchase

 

[FO17113] 60% LTV, increasing by 22bps from 1.61% to 1.83% (4.3% APRC, 4.49% SVR), £995 product fee

[FO17119] 70% LTV, increasing by 10bps from 1.92% to 2.02% (4.3% APRC, 4.49% SVR), £995 product fee

[FO17121] 75% LTV, increasing by 4bps from 2.67% to 2.71% (4.3% APRC, 4.49% SVR), £0 product fee

[FO17120] 75% LTV, increasing by 2bps from 2.05% to 2.07% (4.3% APRC, 4.49% SVR), £995 product fee

 

5 year fixed rate purchase

 

[FO17123] 60% LTV, decreasing by 7bps from 2.48% to 2.41% (3.8% APRC, 4.49% SVR), £0 product fee

[FO17122] 60% LTV, decreasing by 13bps from 2.22% to 2.09% (3.7% APRC, 4.49% SVR), £995 product fee

[FO17125] 70% LTV, decreasing by 20bps from 2.81% to 2.61% (3.8% APRC, 4.49% SVR), £0 product fee

[FO17127] 75% LTV, decreasing by 24bps from 2.98% to 2.74% (3.9% APRC, 4.49% SVR), £0 product fee

[FO17126] 75% LTV, decreasing by 15bps from 2.70% to 2.55% (3.9% APRC, 4.49% SVR), £995 product fee

 

2 year fixed rate remortgage

 

[FO17129] 60% LTV, increasing by 18bps from 2.29% to 2.47% (4.2% APRC, 4.49% SVR), £0 product fee

[FO17128] 60% LTV, increasing by 1bps from 1.99% to 2.00% (4.3% APRC, 4.49% SVR), £995 product fee

[FO17130] 70% LTV, increasing by 7bps from 1.99% to 2.06% (4.3% APRC, 4.49% SVR), £995 product fee

[FO17131] 75% LTV, increasing by 2bps from 2.17% to 2.19% (4.3% APRC, 4.49% SVR), £995 product fee

 

2 year fixed rate remortgage - tracker

 

[TO4304] 60% LTV, decreasing by 5bps from 2.22% to 1.97% (4.4% APRC, 4.49% SVR), £0 product fee

 

5 year fixed rate remortgage

 

[FO17132] 60% LTV, decreasing by 9bps from 2.29% to 2.20% (3.8% APRC, 4.49% SVR), £995 product fee

[FO17133] 70% LTV, decreasing by 1bps from 2.69% to 2.68% (4.0% APRC, 4.49% SVR), £995 product fee

[FO17134] 75% LTV, decreasing by 12bps from 2.80% to 2.68% (4.0% APRC, 4.49% SVR), £995 product fee

 

End Dates

 

There are no changes to end dates

 

 

Transitional arrangements

 

Transitional arrangements

 

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Monday 14th May 2018.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Monday 28th May 2018.

 

If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Tuesday 15th May 2018. Requests received after this time will not be considered.

 

Your email must include in bullet points:

 

  • Your details - name, company and postcode
  • Customer name
  • Product applying for
  • Amount of mortgage loan
  • Reason for paper application - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided
  • State whether you were trying to submit via NatWest Intermediary Solutions’ website or the Mortgage Trading Exchange

 

Paper applications must be signed by all applicants and the original received at the following address by close of business on 15th May 2018 for your rate to be honoured:

 

 

FREEPOST NatWest Intermediary Solutions

Mortgage Centre

Cartsdyke Avenue

Greenock

PA15 1ED

 

 

For a complete listing of all our mortgage products, please visit the product page on our web site.

 

As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept.

 

If you have any questions please do not hesitate to call me or use our dedicated instant messaging service LiveTALK.

 

NatWest Intermediary Solutions wins three industry awards

Monday 23 April 2018

We are delighted to have won three prestigous awards.

 

We have been named by Just Mortgages as Best Overall Lender, Best Lender for Service and Support and Best Lender: BDM team. We received the 3 awards after voting from Just Mortgages' Employed and Self Employed divisions.

NatWest to launch new high value remortgage rates for new and existing customers

Effective Monday 23 April 2018

On Monday, NatWest are delighted to launch new high value remortgage rates for new and existing customers who have a mortgage of £500k and over.

 

Until now we have based all products on LTV; however we are introducing 12 new products that are being priced according to loan balance and LTV.

 

We’re re-launching 12 products from our existing range at the same rate, with a different product code and max lend of £499,999. We’re also introducing 12 new high value rates, for loan sizes of £500,000 and above.

 

As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept.

 

Here’s a full list the changes with product codes in brackets:

CORE RANGE

Residential

 

New Business

NEW

 

2 year fixed rate remortgage

 

[FO17058] 60% LTV, 1.90% (3.8% APRC, 3.99% SVR), £995 product fee, £499,999 maximum loan size

 

[FO17059] 70% LTV, 2.09% (3.8% APRC, 3.99% SVR), £995 product fee, £499,999 maximum loan size

 

[FO17060] 75% LTV, 2.09% (3.8% APRC, 3.99% SVR), £995 product fee, £499,999 maximum loan size

 

5 year fixed rate remortgage

 

[FO17061] 60% LTV, 2.44% (3.6% APRC, 3.99% SVR), £995 product fee, £499,999 maximum loan size

 

[FO17062] 70% LTV, 2.58% (3.6% APRC, 3.99% SVR), £995 product fee, £499,999 maximum loan size

 

[FO17063] 75% LTV, 2.73% (3.7% APRC, 3.99% SVR), £995 product fee, £499,999 maximum loan size

 

Withdrawals

 

2 year fixed rate remortgage

 

[FO16870] 60% LTV, 1.90% (3.8% APRC, 3.99% SVR), £995 product fee

 

[FO16872] 70% LTV, 2.09% (3.8% APRC, 3.99% SVR), £995 product fee

 

[FO16874] 75% LTV, 2.09% (3.8% APRC, 3.99% SVR), £995 product fee

 

5 year fixed rate remortgage

 

[FO16940] 60% LTV, 2.44% (3.6% APRC, 3.99% SVR), £995 product fee

 

[FO16942] 70% LTV, 2.58% (3.6% APRC, 3.99% SVR), £995 product fee

 

[FO16924] 75% LTV, 2.73% (3.7% APRC, 3.99% SVR), £995 product fee

 

 

High Value

New

 

2 year fixed rate remortgage

 

[FO17064] 60% LTV, 1.65% (3.7% APRC, 3.99% SVR), £995 product fee, £500,000 minimum loan size

 

[FO17065] 70% LTV, 1.79% (3.7% APRC, 3.99% SVR), £995 product fee, £500,000 minimum loan size

 

[FO17066] 75% LTV, 1.79% (3.7% APRC, 3.99% SVR), £995 product fee, £500,000 minimum loan size

 

5 year fixed rate remortgage

 

[FO17067] 60% LTV, 2.14% (3.3% APRC, 3.99% SVR), £995 product fee, £500,000 minimum loan size

 

[FO17068] 70% LTV, 2.28% (3.4% APRC, 3.99% SVR), £995 product fee, £500,000 minimum loan size

 

[FO17069] 75% LTV, 2.43% (3.4% APRC, 3.99% SVR), £995 product fee, £500,000 minimum loan size

 

 

Existing Customer

NEW

 

2 year fixed rate product switcher

 

[FO17070] 60% LTV, 1.90% (3.8% APRC, 3.99% SVR), £995 product fee, £499,999 maximum loan size

 

[FO17071] 70% LTV, 2.09% (3.8% APRC, 3.99% SVR), £995 product fee, £499,999 maximum loan size

 

[FO17072] 75% LTV, 2.09% (3.8% APRC, 3.99% SVR), £995 product fee, £499,999 maximum loan size

 

5 year fixed rate product switcher

 

[FO17073] 60% LTV, 2.44% (3.5% APRC, 3.99% SVR), £995 product fee, £499,999 maximum loan size

 

[FO17074] 70% LTV, 2.58% (3.6% APRC, 3.99% SVR), £995 product fee, £499,999 maximum loan size

 

[FO17075] 75% LTV, 2.73% (3.6% APRC, 3.99% SVR), £995 product fee, £499,999 maximum loan size

 

Withdrawals

2 year fixed rate product switcher

 

[FO16877] 60% LTV, 1.90% (3.8% APRC, 3.99% SVR), £995 product fee

 

[FO16881] 70% LTV, 2.09% (3.8% APRC, 3.99% SVR), £995 product fee

 

[FO16882] 75% LTV, 2.09% (3.8% APRC, 3.99% SVR), £995 product fee

 

5 year fixed rate switcher

 

[FO16949] 60% LTV, 2.44% (3.5% APRC, 3.99% SVR), £995 product fee

 

[FO16951] 70% LTV, 2.58% (3.6% APRC, 3.99% SVR), £995 product fee

 

[FO16953] 75% LTV, 2.73% (3.6% APRC, 3.99% SVR), £995 product fee

 

 

High Value

New

 

2 year fixed rate product switcher

 

[FO17076] 60% LTV, 1.65% (3.7% APRC, 3.99% SVR), £995 product fee, £500,000 minimum loan size

 

[FO17077] 70% LTV, 1.79% (3.8% APRC, 3.99% SVR), £995 product fee, £500,000 minimum loan size

 

[FO17078] 75% LTV, 1.79% (3.8% APRC, 3.99% SVR), £995 product fee, £500,000 minimum loan size

 

5 year fixed rate product switcher

 

[FO17079] 60% LTV, 2.14% (3.4% APRC, 3.99% SVR), £995 product fee, £500,000 minimum loan size

 

[FO17080] 70% LTV, 2.28% (3.4% APRC, 3.99% SVR), £995 product fee, £500,000 minimum loan size

 

[FO17081] 75% LTV, 2.43% (3.5% APRC, 3.99% SVR), £995 product fee, £500,000 minimum loan size

End Dates

 

There are no changes to end dates

 

Transitional arrangements

 

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on 22nd April 2018

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Friday 4th May 2018.

 

If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Monday 23rd April 2018. Requests received after this time will not be considered.

 

Your email must include in bullet points:

 

  • Your details - name, company and postcode
  • Customer name
  • Product applying for
  • Amount of mortgage loan
  • Reason for paper application - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided
  • State whether you were trying to submit via NatWest Intermediary Solutions’ website or the Mortgage Trading Exchange

 

Paper applications must be signed by all applicants and the original received at the following address by close of business on Tuesday 24th April 2018 for your rate to be honoured:

 

 

FREEPOST NatWest Intermediary Solutions

Mortgage Centre

Cartsdyke Avenue

Greenock

PA15 1ED

 

If you have any questions around criteria or packaging please contact our LiveTALK team who will happily give you some guidance or if you have a complicated or a high value case you wish to discuss please give your BDM a call.

 

Rate changes to core and semi-exclusive ranges

Effective Wednesday 11 April 2018

We are introducing changes to our core and semi-exclusive ranges. Here’s a summary of the changes:

 

Core Range

 

Rate changes

 

Shared Equity

·         Selected 2 year fixed rate purchase – Increases of 15bps

·         5 year fixed rate purchase - Increases of 1bps on 70% and 75% LTV deals.

 

Help to Buy: Shared Equity scheme

·         Selected 2 year fixed rate purchase – Increases of 15bps

·         5 year fixed rate purchase - Increases of 1bps on 70% and 75% LTV deals.

 

Residential

·         Selected 2 year fixed rate purchase – Increases of between 1-15bps

·         5 year fixed rate purchase – increases of 1bps on 60% and 95% LTV deals.

 

 

Semi-exclusive range

Rate changes

 

Residential

 

·         Selected 5 year fixed rate purchase – Increases of between 1-5bps

·         Selected 5 year fixed rate remortgage – Increases of between 1-6bps

 

Buy to Let

·         Selected 2 year fixed rate purchase – Increases of between 1-3bps

·         Selected 5 year fixed rate purchase – Increases of between 6-11bps

·         Selected 2 year fixed rate remortgage – Increases of between 1-8bps

·         Selected 5 year fixed rate remortgage – Increases of between 2-3bps

 

As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept.

 

Here’s a full list the changes with product codes in brackets:

 

CORE RANGE

Residential

 

RATE CHANGES

 

Shared equity – 2 year fixed rate purchase

 

[FO16994] 60% LTV, Increasing by 15bps from 1.59% to 1.74% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16995] 70% LTV, Increasing by 15bps from 1.62% to 1.77% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16996] 75% LTV, Increasing by 15bps from 1.71% to 1.86% (3.7% APRC, 3.99% SVR), £995 product fee

 

Shared equity – 5 year fixed rate purchase

 

[FO16998] 70% LTV, Increasing by 1bps from 2.18% to 2.19% (3.4% APRC, 3.99% SVR), £995 product fee

[FO16997] 75% LTV, Increasing by 1bps from 2.18% to 2.19% (3.4% APRC, 3.99% SVR), £995 product fee

 

Help to Buy: shared equity scheme – 2 year fixed rate purchase

 

[FO16999] 60% LTV, Increasing by 15bps from 1.59% to 1.74% (3.7% APRC, 3.99% SVR), £995 product fee

[FO17000] 70% LTV, Increasing by 15bps from 1.62% to 1.77% (3.8% APRC, 3.99% SVR), £995 product fee

[FO17001] 75% LTV, Increasing by 15bps from 1.71% to 1.86% (3.8% APRC, 3.99% SVR), £995 product fee

 

Help to Buy: shared equity scheme – 5 year fixed rate purchase

 

[FO17002] 70% LTV, Increasing by 1bps from 2.18% to 2.19% (3.4% APRC, 3.99% SVR), £995 product fee

[FO17003] 75% LTV, Increasing by 1bps from 2.18% to 2.19% (3.4% APRC, 3.99% SVR), £995 product fee

 

2 year fixed rate purchase

 

[FO16986] 60% LTV, Increasing by 15bps from 1.51% to 1.66% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16987] 70% LTV, Increasing by 15bps from 1.58% to 1.73% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16988] 75% LTV, Increasing by 15bps from 1.68% to 1.83% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16989] 80% LTV, Increasing by 2bps from 1.85% to 1.87% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16990] 85% LTV, Increasing by 1bps from 1.86% to 1.87% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16991] 95% LTV, Increasing by 3bps from 3.63% to 3.69% (4.0% APRC, 3.99% SVR), £0 product fee

 

5 year fixed rate purchase

 

[FO16992] 60% LTV, Increasing by 1bps from 1.88% to 1.89% (3.3% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO16993] 95% LTV, Increasing by 1bps from 4.31% to 4.32% (4.2% APRC, 3.99% SVR), £0 product fee

 

Semi-Exclusives

 

Residential

 

RATE CHANGES

 

5 year fixed rate purchase

 

[FO17004] 70% LTV, Increasing by 5bps from 2.27% to 2.32% (3.4% APRC, 3.99% SVR), £500 cashback

[FO17005] 80% LTV, Increasing by 2bps from 2.00% to 2.02% (3.4% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO17006] 80% LTV, Increasing by 1bps from 2.43% to 2.44% (3.4% APRC, 3.99% SVR), £500 cashback

[FO17007] 85% LTV, Increasing by 2bps from 2.14% to 2.16% (3.4% APRC, 3.99% SVR), £995 product fee, £500 cashback

[FO17008] 85% LTV, Increasing by 2bps from 2.44% to 2.46% (3.5% APRC, 3.99% SVR), £500 cashback

[FO17009] 90% LTV, Increasing by 1bps from 2.82% to 2.83% (3.6% APRC, 3.99% SVR), £500 cashback

 

5 year fixed rate remortgage

 

[FO17010] 60% LTV, Increasing by 1bps from 1.88% to 1.89% (3.3% APRC, 3.99% SVR), £995 product fee

[FO17011] 75% LTV, Increasing by 3bps from 2.19% to 2.22% (3.4% APRC, 3.99% SVR), £0 product fee

[FO17012] 80% LTV, Increasing by 1bps from 2.09% to 2.10% (3.4% APRC, 3.99% SVR), £995 product fee

[FO17013] 85% LTV, Increasing by 6bps from 2.18% to 2.24% (3.4% APRC, 3.99% SVR), £995 product fee

[FO17014] 90% LTV, Increasing by 1bps from 2.78% to 2.79% (3.6% APRC, 3.99% SVR), £0 product fee

 

Buy-to-let

RATE CHANGES

 

2 year fixed rate purchase

 

[FO17015] 60% LTV, Increasing by 2bps from 1.59% to 1.61% (4.2% APRC, 4.49% SVR), £995 product fee

[FO17016] 70% LTV, Increasing by 1bps from 1.91% to 1.92% (4.2% APRC, 4.49% SVR), £995 product fee

[FO17017] 75% LTV, Increasing by 3bps from 2.02% to 2.05% (4.3% APRC, 4.49% SVR), £995 product fee

[FO17018] 75% LTV, Increasing by 1bps from 2.66% to 2.67% (4.3% APRC, 4.49% SVR), £0 product fee

 

5 year fixed rate purchase

 

[FO17019] 60% LTV, Increasing by 7bps from 2.15% to 2.22% (3.7% APRC, 4.49% SVR), £995 product fee

[FO17020] 60% LTV, Increasing by 11bps from 2.37% to 2.48% (3.8% APRC, 4.49% SVR), £0 product fee

[FO17021] 70% LTV, Increasing by 6bps from 2.75% to 2.81% (4.0% APRC, 4.49% SVR), £0 product fee

[FO17022] 75% LTV, Increasing by 9bps from 2.89% to 2.98% (4.0% APRC, 4.49% SVR), £995 product fee

 

2 year fixed rate remortgage

[FO17023] 60% LTV, Increasing by 1bps from 1.98% to 1.99% (4.3% APRC, 4.49% SVR), £995 product fee

[FO17024] 60% LTV, Increasing by 1bps from 2.28% to 2.29% (4.2% APRC, 4.49% SVR), £0 product fee

[FO17025] 70% LTV, Increasing by 1bps from 1.98% to 1.99% (4.3% APRC, 4.49% SVR), £995 product fee

[FO17026] 75% LTV, Increasing by 5bps from 2.12% to 2.17% (4.3% APRC, 4.49% SVR), £995 product fee

[FO17027] 75% LTV, Increasing by 6bps from 2.58% to 2.66% (4.3% APRC, 4.49% SVR), £0 product fee

 

5 year fixed rate remortgage

 

[FO17028] 60% LTV, Increasing by 3bps from 2.26% to 2.29% (3.8% APRC, 4.49% SVR), £995 product fee

[FO17029] 60% LTV, Increasing by 2bps from 2.55% to 2.57% (3.8% APRC, 4.49% SVR), £0 product fee

 

Transitional arrangements

 

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Tuesday 10th April 2018.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Tuesday 24th April 2018.

 

If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Wednesday 11th April 2018. Requests received after this time will not be considered.

 

Your email must include in bullet points:

 

  • Your details - name, company and postcode
  • Customer name
  • Product applying for
  • Amount of mortgage loan
  • Reason for paper application - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided
  • State whether you were trying to submit via NatWest Intermediary Solutions’ website or the Mortgage Trading Exchange

 

Paper applications must be signed by all applicants and the original received at the following address by close of business on Wednesday 11th April 2018 for your rate to be honoured:

 

 

FREEPOST NatWest Intermediary Solutions

Mortgage Centre

Cartsdyke Avenue

Greenock

PA15 1ED

 

If you have any questions around criteria or packaging please contact our LiveTALK team who will happily give you some guidance or if you have a complicated or a high value case you wish to discuss please give your BDM a call.

 

Rate changes to core and semi-exclusive ranges

Effective Wednesday 14 March 2018

We are introducing changes to our core and semi-exclusive ranges. Here’s a summary of the changes:

 

Core Range

 

NEW

 

Residential

  • 2 year fixed rate 60% LTV Purchase
  • 2 year fixed rate 70% LTV Purchase
  • 2 year fixed rate 75% LTV Purchase
  • 2 year fixed rate 80% LTV Purchase
  • 2 year fixed rate 85% LTV Purchase

 

Withdrawals

 

Residential

  • 2 year fixed rate 60% LTV Purchase, £250 cashback
  • 2 year fixed rate 70% LTV Purchase, £250 cashback
  • 2 year fixed rate 75% LTV Purchase, £250 cashback
  • 2 year fixed rate 80% LTV Purchase, £250 cashback
  • 2 year fixed rate 85% LTV Purchase, £250 cashback

 

Rate changes

 

Shared Equity

·         Selected 2 year fixed rate purchase – increases of between 9 –14bps

 

Help to Buy: Shared Equity scheme

·         Selected 2 year fixed rate purchase – increases of between 9 –14bps

 

First time buyer

·          Selected year fixed rate purchase – increases of between 18-19bps

 

Residential

·         2 year fixed rate purchase – decreasing by 17bps on 95% LTV deal and increasing by 12bps on 90% LTV deal

 

·         5 year fixed rate purchase – decreasing by 14bps on 95% LTV deal and increasing by 9bps on 60% LTV deal

 

Buy to Let

·         2 year fixed rate purchase – increasing by 2bps on 60% LTV deal

·         Selected 5 year fixed rate purchase – decreases of between 8-12bps

 

 

 

Semi-exclusive range

New

Residential

 

  • 5 year fixed rate 60% LTV Purchase, £500 cashback
  • 5 year fixed rate 70% LTV Purchase, £250 cashback
  • 5 year fixed rate 70% LTV Purchase, £500 cashback
  • 5 year fixed rate 75% LTV Purchase, £250 cashback
  • 5 year fixed rate 75% LTV Purchase, £500 cashback
  • 5 year fixed rate 80% LTV Purchase, £500 cashback
  • 5 year fixed rate 80% LTV Purchase, £250 cashback
  • 5 year fixed rate 85% LTV Purchase, £500 cashback
  • 5 year fixed rate 85% LTV Purchase, £0 fee, £500 cashback
  • 5 year fixed rate 90% LTV Purchase
  • 5 year fixed rate 90% LTV Purchase, £500 cashback

 

  • 5 year fixed rate 60% LTV Remortgage, £0 fee
  • 5 year fixed rate 60% LTV Remortgage, £995 fee
  • 5 year fixed rate 70% LTV Remortgage, £0 fee
  • 5 year fixed rate 70% LTV Remortgage, £995 fee
  • 5 year fixed rate 75% LTV Remortgage, £995 fee
  • 5 year fixed rate 75% LTV Remortgage, £0 fee
  • 5 year fixed rate 80% LTV Remortgage, £995 fee
  • 5 year fixed rate 80% LTV Remortgage, £0 fee
  • 5 year fixed rate 85% LTV Remortgage, £995 fee
  • 5 year fixed rate 85% LTV Remortgage, £0 fee
  • 5 year fixed rate 90% LTV Remortgage, £0 fee
  • 5 year fixed rate 90% LTV Remortgage, £995 fee

 

Buy to Let

 

New

  • 5 year fixed rate 70% LTV Purchase
  • 5 year fixed rate 75% LTV Purchase

 

Withdrawals

  • 2 year fixed rate 60% LTV Purchase
  • 2 year fixed rate70% LTV  Purchase

 

  • 5 year fixed rate 70% LTV Purchase

 

Rate changes

 

Buy to let

 

·         Selected 2 year fixed rate purchase – decreases of between 2-6bps and increasing by 3bps on 75% LTV deal

·         Selected 5 year fixed rate purchase – decreases of between 8-22bps

 

·         2 year fixed rate remortgage – decreasing by 5bps on 70% LTV deal and increases of 29bps on 60% LTV deal and 9bps on 75% LTV deal.

 

·         Selected 5 year fixed rate remortgage – decreases of between 2-10bps and increases of between 9-29 bps

 

 

End dates

 

·         2 year term end dates moving from 30/04/2020 to 31/07/2020

·         5 year tern end dates moving from 30/04/2023 to 31/07/2023

 

As a responsible lender, we have been able to make these changes whilst ensuring that we maintain our risk appetite and the quality of business we accept.

 

Here’s a full list the changes with product codes in brackets:

 

CORE RANGE

Residential

 

NEW

2 year fixed rate purchase

 

[FO16781] 60% LTV, 1.51% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16782] 70% LTV, 1.58% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16783] 75% LTV, 1.68% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16784] 80% LTV, 1.85% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16785] 85% LTV, 1.86% (3.8% APRC, 3.99% SVR), £995 product fee

 

WITHDRAWALS

2 year fixed rate purchase

 

[FO16267] 60% LTV, 1.40% (3.7% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO16268] 70% LTV, 1.48% (3.7% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO16269] 75% LTV, 1.56% (3.7% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO16270] 80% LTV, 1.62% (3.7% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO16271] 85% LTV, 1.73% (3.7% APRC, 3.99% SVR), £995 product fee, £250 cashback

 

 

RATE CHANGES

 

Shared equity – 2 year fixed rate purchase

[FO16792] 60% LTV, Increasing by 14bps from 1.45% to 1.59% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16793] 70% LTV, Increasing by 9bps from 1.53% to 1.62% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16794] 75% LTV, Increasing by 9bps from 1.61% to 1.71% (3.7% APRC, 3.99% SVR), £995 product fee

Help to Buy: shared equity scheme – 2 year fixed rate purchase

[FO16795] 60% LTV, Increasing by 14bps from 1.45% to 1.59% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16796] 70% LTV, Increasing by 9bps from 1.53% to 1.62% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16797] 75% LTV, Increasing by 10bps from 1.61% to 1.71% (3.8% APRC, 3.99% SVR), £995 product fee

First time buyer only

[FO16790] 80% LTV, increasing by 18bps from 2.46% to 2.64% (3.8% APRC, 3.99% SVR), 0 product fee, £250 cashback

[FO16791] 85% LTV, increasing by 19bps from 2.46% to 2.65% (3.8% APRC, 3.99% SVR), 0 product fee, £250 cashback

2 year fixed rate purchase

 

[FO16787] 95% LTV, decreasing by 17bps from 3.80% to 3.63% (4.0% APRC, 3.99% SVR), £995 product fee

[FO16786] 90% LTV, Increasing by 12bps from 2.27% to 2.39% (3.9% APRC, 3.99% SVR), £995 product fee

5 year fixed rate purchase

 

[FO16789] 95% LTV, decreasing by 14bps from 4.45% to 4.31% (4.2% APRC, 3.99% SVR), £995 product fee

[FO16788] 60% LTV, Increasing by 9bps from 1.79% to 1.88% (3.3% APRC, 3.99% SVR), £995 product fee, £250 cashback

 

 

Buy-to-let

RATE CHANGES

2 year fixed rate purchase

[FO16798] 60% LTV, Increasing by 2bps from 2.22% to 2.24% (4.2% APRC, 4.49% SVR), £0 product fee

5 year fixed rate purchase

[FO16799] 60% LTV, decreasing by 12bps from 2.40% to 2.28% (3.8% APRC, 4.49% SVR), £995 product fee

[FO16800] 70% LTV, decreasing by 8bps from 2.77% to 2.69% (4.0% APRC, 4.49% SVR), £995 product fee

[FO16801] 75% LTV, decreasing by 8bps from 3.15% to 3.07% (4.0% APRC, 4.49% SVR), £0 product fee

 

Semi-Exclusives

 

Residential

 

NEW

5 year fixed rate purchase

 

[FO16802] 60% LTV, 2.19% (3.4% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO16803] 70% LTV, 1.92% (3.3% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO16804] 70% LTV, 2.27% (3.4% APRC, 3.99% SVR), 0 product fee, £500 cashback

[FO16805] 75% LTV, 1.92% (3.3% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO16806] 75% LTV, 2.37% (3.4% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO16967] 80% LTV, 2.43% (3.4% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO16807] 80% LTV, 2.00% (3.3% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO16808] 85% LTV, 2.14% (3.4% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO16809] 85% LTV, 2.44% (3.4% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO16810] 90% LTV, 2.44% (3.5% APRC, 3.99% SVR), £995 product fee

[FO16811] 90% LTV, 2.82% (3.6% APRC, 3.99% SVR), £0 product fee, £500 cashback

5 year fixed rate remortgage

 

[FO16813] 60% LTV, 2.09% (3.7% APRC, 3.99% SVR),

[FO16812] 60% LTV, 1.88% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16815] 70% LTV, 2.14% (3.7% APRC, 3.99% SVR), £0 product fee

[FO16814] 70% LTV, 1.94% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16816] 75% LTV, 1.94% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16817] 75% LTV, 2.19% (3.7% APRC, 3.99% SVR), £0 product fee

[FO16818] 80% LTV, 2.09% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16819] 80% LTV, 2.24% (3.7% APRC, 3.99% SVR), £0 product fee

[FO16820] 85% LTV, 2.18% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16821] 85% LTV, 2.39% (3.7% APRC, 3.99% SVR), £0 product fee

[FO16823] 90% LTV, 2.78% (3.7% APRC, 3.99% SVR), £0 product fee

[FO16822] 90% LTV, 2.49% (3.7% APRC, 3.99% SVR), £995 product fee

 

Buy-to-let

 

NEW

5 year fixed rate purchase

[FO16830] 70% LTV, 2.75% (4.0% APRC, 4.49% SVR), £0 product fee

[FO16832] 75% LTV, 2.89% (3.9% APRC, 4.49% SVR), £0 product fee

 

WITHDRAWALS

2 year fixed rate purchase

[FO16577] 60% LTV, 2.08% (4.1% APRC, 4.49% SVR), £0 product fee

[FO16578] 70% LTV, 2.48% (4.2% APRC, 4.49% SVR), £0 product fee

5 year fixed rate purchase

[FO16419] 70% LTV, 2.71% (4.0% APRC, 4.49% SVR), £995 product fee

 

RATE CHANGES

2 year fixed rate purchase

[FO16824] 60% LTV, decreasing by 6bps from 1.65% to 1.59% (4.2% APRC, 4.49% SVR), £995 product fee

[FO16825] 70% LTV, decreasing by 2bps from 1.93% to 1.91% (4.2% APRC, 4.49% SVR), £995 product fee

[FO16827] 75% LTV, decreasing by 5bps from 2.71% to 2.66% (4.3% APRC, 4.49% SVR), £0 product fee

[FO16826] 75% LTV, increasing by 3bps from 1.99% to 2.02% (4.3% APRC, 4.49% SVR), £995 product fee

5 year fixed rate purchase

[FO16828] 60% LTV, decreasing by 8bps from 2.23% to 2.15% (3.7% APRC, 4.49% SVR), £995 product fee

[FO16829] 60% LTV, decreasing by 14bps from 2.59% to 2.37% (3.9% APRC, 4.49% SVR), £0 product fee

[FO16831] 75% LTV, decreasing by 8bps from 2.78% to 2.70% (4.0% APRC, 4.49% SVR), £955 product fee

2 year fixed rate remortgage

[FO16834] 70% LTV, decreasing by 5bps from 2.03% to 1.98% (4.3% APRC, 4.49% SVR), £995 product fee

[FO16833] 60% LTV, Increasing by 29bps from 1.69% to 1.98% (4.3% APRC, 4.49% SVR), £995 product fee

[FO16835] 75% LTV, Increasing by 9bps from 2.03% to 2.12% (4.3% APRC, 4.49% SVR), £955 product fee

5 year fixed rate remortgage

[FO16836] 60% LTV, decreasing by 2bps from 2.28% to 2.26% (3.8% APRC, 4.49% SVR), £995 product fee

[FO16837] 70% LTV, decreasing by 10bps from 2.79% to 2.69% (4.0% APRC, 4.49% SVR), £995 product fee

 

End dates

 

·         2 year term end dates moving from 30/04/2020 to 31/07/2020

·         5 year tern end dates moving from 30/04/2023 to 31/07/2023

 

Transitional arrangements

 

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Tuesday 13th March 2018.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Tuesday 27th March 2018.

 

If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application.. In this instance, you must e-mail your BDM by midday on Wednesday 14th March  2018. Requests received after this time will not be considered.

 

Your email must include in bullet points:

 

  • Your details - name, company and postcode
  • Customer name
  • Product applying for
  • Amount of mortgage loan
  • Reason for paper application - If you have experienced a technical issue a clear description of the problem encountered with error code (if applicable) must be provided
  • State whether you were trying to submit via NatWest Intermediary Solutions’ website or the Mortgage Trading Exchange

 

Paper applications must be signed by all applicants and the original received at the following address by close of business on 14th  March 2018 for your rate to be honoured:

 

 

FREEPOST NatWest Intermediary Solutions

Mortgage Centre

Cartsdyke Avenue

Greenock

PA15 1ED

 

If you have any questions around criteria or packaging please contact our LiveTALK team who will happily give you some guidance or if you have a complicated or a high value case you wish to discuss please give your BDM a call.

 

NatWest to make improvements to Buy to Let proposition

Effective Wednesday 14 March 2018

On the 14th March NatWest Intermediary Solutions will introduce policy changes to our Buy to Let (BTL) proposition.

 

We are increasing the total number of buy-to-let properties we will allow a landlord customer to own from 4 to 10. The total will include unencumbered properties and properties mortgaged with ourselves and another lender.

 

The maximum aggregate customer borrowing allowed will be increased to £3.5m, up from £2m.

 

The current £50,000 minimum income for aggregated borrowing over £1m will be removed. All customers will be required to meet our standard buy-to-let minimum income of £25,000.

 

NatWest to launch New Build offer extension

Effective Thursday 8 March 2018

On Thursday 8 March, will be launching an offer extension to our Intermediary New Build proposition. For customers arranging their mortgage through an Intermediary we will allow brokers to request an extension to an existing mortgage offer, at any point within the initial 6 month offer period. This means that customers could have a total offer period of up to 12 months. This will be subject to a successful refresh of a credit search and property valuation.

 

Brokers can request an extension by populating an offer extension template (available in the forms and guide section of our website), where they will need to provide a declaration confirming any change to the customer’s current financial circumstances including any changes since the initial assessment.

 

The offer extension will be valid for 6 months from the point the extension is agreed.

NatWest launches an automated HPI check as part of their product transfer service

Effective Thursday 1 March 2018

Today, NatWest launches an automated HPI (house price index) check that forms part of their product transfer service.

 

This will mean that brokers no longer have to call NatWest to obtain the HPI value as the current value will be displayed on-screen. Brokers will also be able to see the value and date of the previous valuation along with NatWest’s LTV estimation, based on the HPI.

 

As before, if customers are not happy with the stated HPI value, they can proceed on the original house valuation or request a standard valuation to be completed at a cost to them.

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