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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.

Introducing our new high value remortgage rates for new and existing customers who have a mortgage of 500k or over

(Early repayment charges may apply)

General Data Protection Regulation

 

General Data Protection Regulation comes into effect on 25th May 2018. 

Read our helpful guide for a summary of the new regulation.

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Current processing times
Current Service Levels
New broker registrations Registrations received on Friday 18th May
New Business Underwriting Applications received on Thursday 24th May 
Further Information Received on Thursday 24th May
LiveTALK average wait time 1 minute
Telephony average wait time 5 minutes
Average speed to offer purchase 15 days
Average speed to offer remortgage 11 days
Average speed to offer Product Transfer 2 days
Latest news

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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