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NatWest Intermediary Solutions

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

About us

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

Review our full product range for more details on our Portfolio.

(Early repayment charges may apply)

Add your signposting title here… NatWest Intermediary Solutions awarded 5 star rating at the Financial Adviser Service Awards 2017

We are delighted to have received a 5 star award yet again for our broker service in the Mortgage Lenders and Packagers category at the Financial Adviser Service Awards 2017. These awards are voted for by intermediaries and are regarded as the blue riband measure for the financial services industry.

Frequently asked questions Buy-to-let PRA changes

Supporting documentation for Buy to Let applications 

Personal income - same as Residential requirements for mortgages of 75% LTV or less AND £500,000 or less (see

Packaging requirements)

 

Proof of rental income from existing Buy to Let/Consent to Let properties - we require the latest 3 months’ consecutive personal or business bank statements for the account into which the rental income is paid.

 

How many Buy to Let properties can a customer have? 

From 29th September the maximum number of rented properties a customer can have is 4.  This will be moving to 10 in Q1 2018. The Buy to let calculator and application forms have been updated in readiness for this later change however applications for customers with more than 4 rented properties will be declined until that point. A maximum of 10 rented properties will align our Intermediary policy with our direct channels and ensures we are able to help over 95% of landlords in the UK with their mortgage needs.

‘REFER’ result when submitting an application  

Until further changes to our lending criteria come into effect in Q1 2018, all buy-to-let applications that are submitted and not immediately declined will receive an automatic REFER decision. This does not mean that an application is likely to be declined. It purely means that, until our systems are updated, we will not be able to provide an immediate confirmed online ACCEPT decision before our underwriters have assessed it. However, by using the online buy-to-let calculator you will get a good idea whether or not an application will be accepted. You should continue to submit applications as you do today.

Current processing times
Current Service Levels
New broker registrations Actioned within 48 hours
Underwriting Actioned within 2 days of receipt
Further Information Actioned within 2 days of receipt
LiveTALK average wait time 1 minute 30 seconds
Telephony average wait time 1 minute 30 seconds
Average speed to offer purchase 13 days
Average speed to offer remortgage 13 days
Latest news

Rate changes to core and semi-exclusive ranges

Effective from Thursday 14 December 2017

On Thursday 14 December, we are introducing changes to our core and semi-exclusive ranges. Here’s a summary of the changes:

 

Core range

Residential

·         2 year fixed rate purchase – some small increases on 70%-80% LTV deals and decreases of 10-20bps for 90% and 95% LTV deals

·         5 year fixed rate purchase – decreases of 3 and 10bps for 70% and 95% LTV deals respectively

·         All 2 year fixed rate remortgage – increasing by 10bps

 

Buy-to-let

·         Selected 2 year fixed rate remortgage – increasing by 10bps

 

Product transfer

·         New residential and buy-to-let range launched

 

Semi-exclusive range

Residential

·         First time buyer only – rate reductions of 13-18 bps and cashback reduction from £750 to £500 on two deals

·         Selected 2 year fixed rate purchase – increasing by 7-9bps and a 22bps decrease on the 90% LTV deal

·         5 year fixed rate purchase – decreases of between 1-25bps

·         2 year tracker – 60% LTV increase of 5bps

·         2 year fixed rate remortgage – increases of 1-9bps and 90% LTV decreasing 5-24bps

·         Selected 5 year fixed rate remortgage – decreases of between 3-30bps

 

Buy-to-let

·         NEW 2 year fixed rate 60% LTV purchase

·         Selected 2 year fixed rate purchase and remortgage – increasing by 5-26bps

·         Selected 5 year fixed rate purchase and remortgage – increasing by 1-10bps

 

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

Residential

2 year fixed rate product transfer

[FO16047] 60% LTV, 1.90% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16048] 60% LTV, 2.69% (3.8% APRC, 3.99% SVR), £0 product fee

[FO16051] 70% LTV, 2.09% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16050] 70% LTV, 2.79% (3.8% APRC, 3.99% SVR), £0 product fee

[FO16052] 75% LTV, 2.09% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16049] 75% LTV, 2.79% (3.8% APRC, 3.99% SVR), £0 product fee

[FO16053] 80% LTV, 2.18% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16054] 80% LTV, 2.89% (3.9% APRC, 3.99% SVR), £0 product fee

[FO16055] 85% LTV, 2.38% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16056] 85% LTV, 2.98% (3.9% APRC, 3.99% SVR), £0 product fee

[FO16057] 90% LTV, 2.70% (3.9% APRC, 3.99% SVR), £995 product fee

[FO16058] 90% LTV, 3.08% (3.9% APRC, 3.99% SVR), £0 product fee

[FO16059] 100% LTV, 3.60% (4.1% APRC, 3.99% SVR), £995 product fee

[FO16060] 100% LTV, 3.85% (4.0% APRC, 3.99% SVR), £0 product fee

 

5 year fixed rate product transfer

[FO16061] 60% LTV, 2.44% (3.5% APRC, 3.99% SVR), £995 product fee

[FO16062] 60% LTV, 3.00% (3.7% APRC, 3.99% SVR), £0 product fee

[FO16063] 70% LTV, 2.58% (3.6% APRC, 3.99% SVR), £995 product fee

[FO16064] 70% LTV, 3.03% (3.7% APRC, 3.99% SVR), £0 product fee

[FO16065] 75% LTV, 2.73% (3.6% APRC, 3.99% SVR), £995 product fee

[FO16066] 75% LTV, 3.24% (3.8% APRC, 3.99% SVR), £0 product fee

[FO16067] 80% LTV, 2.83% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16068] 80% LTV, 3.40% (3.8% APRC, 3.99% SVR), £0 product fee

[FO16069] 85% LTV, 3.13% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16070] 85% LTV, 3.43% (3.8% APRC, 3.99% SVR), £0 product fee

[FO16071] 90% LTV, 3.28% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16072] 90% LTV, 3.74% (4.0% APRC, 3.99% SVR), £0 product fee

 

2 year tracker product transfer

[TO4176] 60% LTV, 1.84% (NatWest Bank Base Rate + 1.34%) (3.8% APRC, 3.99% SVR), £995 product fee

[TO4177] 60% LTV, 2.64% (NatWest Bank Base Rate + 2.14%) (3.8% APRC, 3.99% SVR), £0 product fee

[TO4178] 70% LTV, 2.04% (NatWest Bank Base Rate + 1.54%) (3.8% APRC, 3.99% SVR), £995 product fee

[TO4179] 70% LTV, 2.69% (NatWest Bank Base Rate + 2.19%) (3.8% APRC, 3.99% SVR), £0 product fee

[TO4180] 75% LTV, 2.07% (NatWest Bank Base Rate + 1.57%) (3.8% APRC, 3.99% SVR), £995 product fee

[TO4181] 75% LTV, 2.73% (NatWest Bank Base Rate + 2.23%) (3.8% APRC, 3.99% SVR), £0 product fee

 

RATE CHANGES

2 year fixed rate purchase

[FO16268] 70% LTV, increasing by 4bps from 1.44% to 1.48% (3.7% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO16269] 75% LTV, increasing by 4bps from 1.52% to 1.56% (3.7% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO15270] 80% LTV, increasing by 6bps from 1.56% to 1.62% (3.7% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO16271] 85% LTV, increasing by 3bps from 1.70% to 1.73% (3.7% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO16310] 90% LTV, decreasing by 10bps from 2.56% to 2.46% (3.9% APRC, 3.99% SVR), £995 product fee

[FO16293] 95% LTV, decreasing by 20bps from 4.10% to 3.90% (4.1% APRC, 3.99% SVR), £0 product fee

 

5 year fixed rate purchase

[FO16351] 70% LTV, decreasing by 3bps from 2.02% to 1.99% (3.4% APRC, 3.99% SVR), £995 product fee, £250 cashback

[FO16376] 95% LTV, decreasing by 10bps from 4.55% to 4.45% (4.3% APRC, 3.99% SVR), £0 product fee

 

2 year fixed rate remortgage

[FO16323] 60% LTV, increasing by 10bps from 1.80% to 1.90% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16324] 60% LTV, increasing by 10bps from 2.59% to 2.69% (3.9% APRC, 3.99% SVR), £0 product fee

[FO16325] 70% LTV, increasing by 10bps from 1.99% to 2.09% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16326] 70% LTV, increasing by 10bps from 2.69% to 2.79% (3.9% APRC, 3.99% SVR), £0 product fee

[FO16327] 75% LTV, increasing by 10bps from 1.99% to 2.09% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16328] 75% LTV, increasing by 10bps from 2.69% to 2.79% (3.9% APRC, 3.99% SVR), £0 product fee

[FO16291] 80% LTV, increasing by 10bps from 2.08% to 2.18% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16292] 80% LTV, increasing by 10bps from 2.79% to 2.89% (3.9% APRC, 3.99% SVR), £0 product fee

[FO16285] 85% LTV, increasing by 10bps from 2.28% to 2.38% (3.9% APRC, 3.99% SVR), £995 product fee

[FO16286] 85% LTV, increasing by 10bps from 2.88% to 2.98% (3.9% APRC, 3.99% SVR), £0 product fee

[FO16296] 90% LTV, increasing by 10bps from 2.60% to 2.70% (3.9% APRC, 3.99% SVR), £995 product fee

[FO16295] 90% LTV, increasing by 10bps from 2.98% to 3.08% (3.9% APRC, 3.99% SVR), £0 product fee

 

Buy-to-let

 

NEW

2 year fixed rate product transfer

[FO16073] 60% LTV, 2.04% (4.3% APRC, 4.49% SVR), £1,995 product fee

[FO16074] 60% LTV, 3.28% (4.4% APRC, 4.49% SVR), £0 product fee

[FO16075] 70% LTV, 2.59% (4.4% APRC, 4.49% SVR), £1,995 product fee

[FO16076] 70% LTV, 3.83% (4.5% APRC, 4.49% SVR), £0 product fee

[FO16077] 75% LTV, 2.78% (4.4% APRC, 4.49% SVR), £1,995 product fee

[FO16078] 75% LTV, 3.89% (4.5% APRC, 4.49% SVR), £0 product fee

[FO16079] 90% LTV, 4.06% (4.5% APRC, 4.49% SVR), £0 product fee

 

5 year fixed rate product transfer

[FO16080] 60% LTV, 2.44% (4.3% APRC, 4.49% SVR), £995 product fee

[FO16081] 60% LTV, 3.89% (4.5% APRC, 4.49% SVR), £0 product fee

[FO16082] 70% LTV, 2.83% (4.4% APRC, 4.49% SVR), £995 product fee

[FO16083] 70% LTV, 4.54% (4.6% APRC, 4.49% SVR), £0 product fee

[FO16084] 75% LTV, 2.88% (4.4% APRC, 4.49% SVR), £995 product fee

[FO16085] 75% LTV, 4.68% (4.6% APRC, 4.49% SVR), £0 product fee

 

2 year tracker product transfer

[TO4182] 60% LTV, 2.13% (NatWest Bank Base Rate + 1.63%) (4.3% APRC, 4.49% SVR), £1,995 product fee

[TO4183] 60% LTV, 3.18% (NatWest Bank Base Rate + 2.68%) (4.3% APRC, 4.49% SVR), £0 product fee

[TO4184] 70% LTV, 2.65% (NatWest Bank Base Rate + 2.15%) (4.4% APRC, 4.49% SVR), £1,995 product fee

[TO4185] 70% LTV, 3.68% (NatWest Bank Base Rate + 3.18%) (4.4% APRC, 4.49% SVR), £0 product fee

[TO4186] 75% LTV, 2.69% (NatWest Bank Base Rate + 2.29%) (4.6% APRC, 4.49% SVR), £1,995 product fee

[TO4187] 75% LTV, 3.74% (NatWest Bank Base Rate + 3.24%) (4.4% APRC, 4.49% SVR), £0 product fee

 

RATE CHANGES

2 year fixed rate remortgage

[FO15834] 60% LTV, increasing by 10bps from 1.94% to 2.04% (4.2% APRC, 4.49% SVR), £1,995 product fee

[FO15835] 60% LTV, increasing by 10bps from 3.18% to 3.28% (4.2% APRC, 4.49% SVR), £0 product fee

[FO15836] 70% LTV, increasing by 10bps from 2.49% to 2.59% (4.3% APRC, 4.49% SVR), £1,995 product fee

[FO15837] 70% LTV, increasing by 10bps from 3.73% to 3.83% (4.3% APRC, 4.49% SVR), £0 product fee

[FO15838] 75% LTV, increasing by 10bps from 2.68% to 2.78% (4.3% APRC, 4.49% SVR), £1,995 product fee

[FO15839] 75% LTV, increasing by 10bps from 3.79% to 3.89% (4.3% APRC, 4.49% SVR), £0 product fee

 

 

SEMI-EXCLUSIVE RANGE

Residential

 

RATE AND CASHBACK CHANGES

First-time buyer only – 2 year fixed rate purchase                                                           

[FO16440] 80% LTV, decreasing by 13bps from 2.42% to 2.29% (3.8% APRC, 3.99% SVR), £0 product fee, cashback reducing from £750 to £500

[FO16441] 85% LTV, 2.42% (3.8% APRC, 3.99% SVR), £0 product fee, cashback reducing from £750 to £500

[FO16347] 90% LTV, decreasing by 15bps from 2.84% to 2.69% (3.6% APRC, 3.99% SVR), £995 product fee, £750 cashback

 

First-time buyer only – 5 year fixed rate purchase                                                           

[FO16433] 90% LTV, decreasing by 18bps from 3.18% to 3.00% (3.7% APRC, 3.99% SVR), £0 product fee, £750 cashback

 

2 year fixed rate purchase

[FO16342] 60% LTV, increasing by 7bps from 1.98% to 2.05% (3.7% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO16343] 70% LTV, increasing by 10bps from 2.00% to 2.10% (3.7% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO16344] 75% LTV, increasing by 9bps from 2.01% to 2.10% (3.7% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO16348] 90% LTV, decreasing by 22bps from 2.06% to 1.84% (3.8% APRC, 3.99% SVR), £995 product fee

 

5 year fixed rate purchase

[FO16428] 60% LTV, decreasing by 1bp from 1.79% to 1.78% (3.8% APRC, 3.99% SVR), £995 product fee, £350 cashback

[FO16425] 60% LTV, decreasing by 9bps from 2.19% to 2.10% (3.4% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO16358] 70% LTV, decreasing by 9bps from 2.05% to 1.96% (3.3% APRC, 3.99% SVR), £995 product fee, £500 cashback

[FO16420] 70% LTV, decreasing by 7bps from 2.28% to 2.21% (3.4% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO16421] 75% LTV, decreasing by 4bps from 2.05% to 2.01% (3.4% APRC, 3.99% SVR), £995 product fee, £500 cashback

[FO16422] 75% LTV, decreasing by 9bps from 2.46% to 2.37% (3.4% APRC, 3.99% SVR), £0 product fee, £500 cashback

[FO16423] 80% LTV, decreasing by 12bps from 2.22% to 2.10% (3.4% APRC, 3.99% SVR), £995 product fee, £500 cashback

[FO16424] 85% LTV, decreasing by 17bps from 2.39% to 2.22% (3.5% APRC, 3.99% SVR), £995 product fee, £500 cashback

[FO16366] 90% LTV, decreasing by 25bps from 2.84% to 2.59% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16375] 90% LTV, decreasing by 18bps from 3.18% to 3.00% (3.7% APRC, 3.99% SVR), £0 product fee, £500 cashback

 

2 year tracker

[TO4253] 60% LTV, increasing by 5bps from 1.54% to 1.59% (NatWest Bank Base Rate + 1.09%)(3.8% APRC, 3.99% SVR), £995 product fee

                                                                                                                                                                               

2 year fixed remortgage

[FO16329] 60% LTV, increasing by 7bps from 1.35% to 1.42% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16318] 60% LTV, increasing by 9bps from 1.82% to 1.91% (3.7% APRC, 3.99% SVR), £0 product fee

[FO16330] 70% LTV, increasing by 1bp from 1.48% to 1.49% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16319] 70% LTV, increasing by 9bps from 1.82% to 1.91% (3.7% APRC, 3.99% SVR), £0 product fee

[FO16331] 75% LTV, increasing by 8bps from 1.50% to 1.58% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16336] 75% LTV, increasing by 7bps from 1.84% to 1.91% (3.7% APRC, 3.99% SVR), £0 product fee

[FO16333] 80% LTV, increasing by 7bps from 1.58% to 1.65% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16339] 80% LTV, increasing by 3bps from 1.99% to 2.02% (3.7% APRC, 3.99% SVR), £0 product fee

[FO16334] 85% LTV, increasing by 5bps from 1.70% to 1.75% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16340] 85% LTV, increasing by 4bps from 2.08% to 2.12% (3.7% APRC, 3.99% SVR), £0 product fee

[FO16341] 90% LTV, decreasing by 5bps from 2.24% to 2.19% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16332] 90% LTV, decreasing by 24bps from 2.53% to 2.29% (3.8% APRC, 3.99% SVR), £0 product fee

 

5 year fixed rate remortgage

[FO16359] 60% LTV, decreasing by 3bps from 2.07% to 2.04% (3.3% APRC, 3.99% SVR), £0 product fee

[FO16411] 70% LTV, decreasing by 8bps from 2.02% to 1.94% (3.3% APRC, 3.99% SVR), £995 product fee

[FO16359] 70% LTV, decreasing by 6bps from 2.19% to 2.13% (3.3% APRC, 3.99% SVR), £0 product fee

[FO16416] 75% LTV, decreasing by 14bps from 2.08% to 1.94% (3.3% APRC, 3.99% SVR), £995 product fee

[FO16414] 80% LTV, decreasing by 9bps from 2.19% to 2.08% (3.4% APRC, 3.99% SVR), £995 product fee

[FO16415] 85% LTV, decreasing by 20bps from 2.39% to 2.19% (3.4% APRC, 3.99% SVR), £995 product fee

[FO16429] 85% LTV, decreasing by 9bps from 2.53% to 2.44% (3.4% APRC, 3.99% SVR), £0 product fee

[FO16413] 90% LTV, decreasing by 26bps from 2.89% to 2.63% (3.6% APRC, 3.99% SVR), £995 product fee

[FO16430] 90% LTV, decreasing by 30bps from 3.14% to 2.84% (3.6% APRC, 3.99% SVR), £0 product fee

 

Buy-to-let

 

NEW

2 year fixed rate purchase

[FO16442] 60% LTV, 1.69% (4.2% APRC, 4.49% SVR), £995 product fee

 

RATE CHANGES

2 year fixed rate purchase

[FO16338] 70% LTV, increasing by 26bps from 2.33% to 2.59% (4.3% APRC, 4.49% SVR), £0 product fee

[FO16308] 75% LTV, increasing by 6bps from 1.93% to 1.99% (4.3% APRC, 4.49% SVR), £995 product fee

[FO16294] 75% LTV, increasing by 7bps from 2.64% to 2.71% (4.3% APRC, 4.49% SVR), £0 product fee

 

5 year fixed rate purchase

[FO16434] 60% LTV, increasing by 6bps from 2.53% to 2.59% (3.8% APRC, 4.49% SVR), £0 product fee

[FO16434] 70% LTV, increasing by 8bps from 2.63% to 2.71% (4.0% APRC, 4.49% SVR), £995 product fee

 

2 year fixed rate remortgage

[FO16277] 60% LTV, increasing by 6bps from 1.63% to 1.69% (4.2% APRC, 4.49% SVR), £995 product fee

[FO16278] 60% LTV, increasing by 5bps from 2.23% to 2.28% (4.2% APRC, 4.49% SVR), £0 product fee

[FO16282] 75% LTV, increasing by 5bps from 2.53% to 2.58% (4.3% APRC, 4.49% SVR), £0 product fee

 

5 year fixed rate remortgage

[FO16363] 60% LTV, increasing by 10bps from 2.18% to 2.28% (3.6% APRC, 4.49% SVR), £995 product fee

[FO16436] 60% LTV, increasing by 1bp from 2.54% to 2.55% (3.7% APRC, 4.49% SVR), £0 product fee

[FO16364] 70% LTV, increasing by 9bps from 2.70% to 2.79% (3.8% APRC, 4.49% SVR), £995 product fee

[FO16437] 70% LTV, increasing by 1bp from 2.98% to 2.99% (3.8% APRC, 4.49% SVR), £0 product fee

[FO16438] 75% LTV, increasing by 10bps from 2.70% to 2.80% (3.8% APRC, 4.49% SVR), £995 product fee

[FO16439] 75% LTV, increasing by 9bps from 2.99% to 3.08% (3.8% APRC, 4.49% SVR), £0 product fee

 

Cashback offers:

The cashback will be paid to your customer’s solicitor on the day they draw down their mortgage

Offer can be changed/withdrawn at any time

Early repayment charges may apply

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

Overpayments:

Overpayments of up to 10% of the outstanding balance per annum are allowed during the initial deal period.

Early repayment charges:

2 year fixed rate: 2% until 30 April 2019, 1% until 30 April 2020

5 year fixed rate: 5% until 30 April 2019, 4% until 30 April 2020, 3% until 30 April 2021, 2% until 30 April 2022, 1% until 30 April 2023

Minimum loan amounts:

£25,000

 

 

Transitional arrangements

 

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Wednesday  13 December 2017.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Wednesday 27 December 2017.

 

Missing information process

 

Cases received before Thursday 14 December 2017 with missing information will be identified by the Broker Support Team, who will contact the broker to obtain this.  If the missing information cannot be completed on the same day, the case will not qualify for the expired deal.

 

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. The only other circumstance that we will accept a paper application is if you are a Countrywide member using the MTE to submit a porting case. In both instances, you must e-mail your BDM by midday on Thursday 14 December 2017. 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 18 December 2017 for your rate to be honoured:

 

NatWest Intermediary Solutions

Broker Support Team

1st Floor

6 Brindley Place

Birmingham

B1 2UU

 

Any cases that are submitted with missing information will not be upheld.

 

Any cases submitted must have all supporting documentation by Wednesday 27 December 2017.

 

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.

 

New product transfer and retention fee facility launches on Thursday 14 December

Tuesday 12 December 2017

We will be launching our new product transfer facility on Thursday 14 December that will enable you to assist existing NatWest mortgage customers to switch to a new NatWest mortgage when their current deal comes to an end.  

 

The facility is available for both residential and buy-to-let business for customers who are within their roll-off period, those on a standard variable rate (SVR) and those with ‘track and switch’ functionality. The balance available to switch must also meet the new product minimum of £25,000.

 

On completion of each product transfer deal, a gross procuration fee of 0.2% will be paid.

 

The new service includes a free House Price Index (HPI) value to ensure that most appropriate LTV deal is offered to customers.  It is not available to customers who want to exit an existing deal ahead of the roll-off period, those customers wishing to simultaneously take additional borrowing, change the mortgage terms or repayment type or those whose mortgage is in arrears. 

 

A new range of product transfer mortgage deals will be offered:

 

Residential

2 year fixed rate product transfer

[FO16047] 60% LTV, 1.90% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16048] 60% LTV, 2.69% (3.8% APRC, 3.99% SVR), £0 product fee

[FO16051] 70% LTV, 2.09% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16050] 70% LTV, 2.79% (3.8% APRC, 3.99% SVR), £0 product fee

[FO16052] 75% LTV, 2.09% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16049] 75% LTV, 2.79% (3.8% APRC, 3.99% SVR), £0 product fee

[FO16053] 80% LTV, 2.18% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16054] 80% LTV, 2.89% (3.9% APRC, 3.99% SVR), £0 product fee

[FO16055] 85% LTV, 2.38% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16056] 85% LTV, 2.98% (3.9% APRC, 3.99% SVR), £0 product fee

[FO16057] 90% LTV, 2.70% (3.9% APRC, 3.99% SVR), £995 product fee

[FO16058] 90% LTV, 3.08% (3.9% APRC, 3.99% SVR), £0 product fee

[FO16059] 100% LTV, 3.60% (4.1% APRC, 3.99% SVR), £995 product fee

[FO16060] 100% LTV, 3.85% (4.0% APRC, 3.99% SVR), £0 product fee

 

5 year fixed rate product transfer

[FO16061] 60% LTV, 2.44% (3.5% APRC, 3.99% SVR), £995 product fee

[FO16062]  60% LTV, 3.00% (3.7% APRC, 3.99% SVR), £0 product fee

[FO16063] 70% LTV, 2.58% (3.6% APRC, 3.99% SVR), £995 product fee

[FO16064] 70% LTV, 3.03% (3.7% APRC, 3.99% SVR), £0 product fee

[FO16065] 75% LTV, 2.73% (3.6% APRC, 3.99% SVR), £995 product fee

[FO16066] 75% LTV, 3.24% (3.8% APRC, 3.99% SVR), £0 product fee

[FO16067] 80% LTV, 2.83% (3.7% APRC, 3.99% SVR), £995 product fee

[FO16068] 80% LTV, 3.40% (3.8% APRC, 3.99% SVR), £0 product fee

[FO16069] 85% LTV, 3.13% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16070] 85% LTV, 3.43% (3.8% APRC, 3.99% SVR), £0 product fee

[FO16071] 90% LTV, 3.28% (3.8% APRC, 3.99% SVR), £995 product fee

[FO16072] 90% LTV, 3.74% (4.0% APRC, 3.99% SVR), £0 product fee

 

2 year tracker product transfer

[TO4176] 60% LTV, 1.84% (NatWest Bank Base Rate + 1.34%) (3.8% APRC, 3.99% SVR), £995 product fee

[TO4177] 60% LTV, 2.64% (NatWest Bank Base Rate + 2.14%) (3.8% APRC, 3.99% SVR), £0 product fee

[TO4178] 70% LTV, 2.04% (NatWest Bank Base Rate + 1.54%) (3.8% APRC, 3.99% SVR), £995 product fee

[TO4179] 70% LTV, 2.69% (NatWest Bank Base Rate + 2.19%) (3.8% APRC, 3.99% SVR), £0 product fee

[TO4180] 75% LTV, 2.07% (NatWest Bank Base Rate + 1.57%) (3.8% APRC, 3.99% SVR), £995 product fee

[TO4181] 75% LTV, 2.73% (NatWest Bank Base Rate + 2.23%) (3.8% APRC, 3.99% SVR), £0 product fee

 

Buy-to-let

2 year fixed rate product transfer

[FO16073] 60% LTV, 2.04% (4.3% APRC, 4.49% SVR), £1,995 product fee

[FO16074] 60% LTV, 3.28% (4.4% APRC, 4.49% SVR), £0 product fee

[FO16075] 70% LTV, 2.59% (4.4% APRC, 4.49% SVR), £1,995 product fee

[FO16076] 70% LTV, 3.83% (4.5% APRC, 4.49% SVR), £0 product fee

[FO16077] 75% LTV, 2.78% (4.4% APRC, 4.49% SVR), £1,995 product fee

[FO16078] 75% LTV, 3.89% (4.5% APRC, 4.49% SVR), £0 product fee

[FO16079] 90% LTV, 4.06% (4.5% APRC, 4.49% SVR), £0 product fee

 

5 year fixed rate product transfer

[FO16080] 60% LTV, 2.44% (4.3% APRC, 4.49% SVR), £995 product fee

[FO16081] 60% LTV, 3.89% (4.5% APRC, 4.49% SVR), £0 product fee

[FO16082] 70% LTV, 2.83% (4.4% APRC, 4.49% SVR), £995 product fee

[FO16083] 70% LTV, 4.54% (4.6% APRC, 4.49% SVR), £0 product fee

[FO16084] 75% LTV, 2.88% (4.4% APRC, 4.49% SVR), £995 product fee

[FO16085] 75% LTV, 4.68% (4.6% APRC, 4.49% SVR), £0 product fee

 

2 year tracker product transfer

[TO4182] 60% LTV, 2.13% (NatWest Bank Base Rate + 1.63%) (4.3% APRC, 4.49% SVR), £1,995 product fee

[TO4183] 60% LTV, 3.18% (NatWest Bank Base Rate + 2.68%) (4.3% APRC, 4.49% SVR), £0 product fee

[TO4184] 70% LTV, 2.65% (NatWest Bank Base Rate + 2.15%) (4.4% APRC, 4.49% SVR), £1,995 product fee

[TO4185] 70% LTV, 3.68% (NatWest Bank Base Rate + 3.18%) (4.4% APRC, 4.49% SVR), £0 product fee

[TO4186] 75% LTV, 2.69% (NatWest Bank Base Rate + 2.29%) (4.6% APRC, 4.49% SVR), £1,995 product fee

[TO4187] 75% LTV, 3.74% (NatWest Bank Base Rate + 3.24%) (4.4% APRC, 4.49% SVR), £0 product fee

 

Overpayments:

Overpayments of up to 10% of the outstanding balance per annum are allowed during the initial deal period.

Early repayment charges:

2 year fixed rate: 2% until 30 April, 1% until 30 April 2020

5 year fixed rate: 5% until 30 April 2019, 4% until 30 April 2020, 3% until 30 April 2021, 2% until 30 April 2022, 1% until 30 April 2023

Minimum loan amounts:

£25,000

 

NatWest Intermediary Solutions wins Lender of the Year at Mortgageforce Awards 2017

Monday 27 November 2017

We were delighted to be named Lender of the Year at the Mortgageforce Awards 2017.

NatWest Intermediary Solutions wins 5 star award at Financial Adviser Service Awards 2017

Friday 24 November 2017

Last night, at the annual Financial Adviser Service Awards were held to recognise excellence in the financial services industry, NatWest Intermediary Solutions was awarded the prestigious 5 star rating.

 

These awards are regarded as the blue riband because they represent the whole of the financial services industry and are voted for by our customers – thousands of mortgage intermediaries – covering six categories:

 

  • Speed of processing
  • Feedback and updates on the progress of applications
  • Product knowledge and understanding of criteria
  • Reliability, returning calls and a friendly, helpful attitude
  • Flexible criteria and intelligent underwriting
  • Electronic business

 

NatWest Intermediary Solutions named Mortgage Lender of the Year at the Mortgage Introducer Awards 2017

Thursday 23 November 2017

We were delighted to receive the award last night for Mortgage Lender of the Year at the Mortgage Introducer Awards 2017. Voted for by mortgage brokers, it's the first time we have won this award.

LiveTALK offline between 9am - 2pm on Wednesday 22nd November

Monday 20 November 2017

LiveTALK will be offline between 9am until 2pm on Wednesday 22nd November for a staff training event meaning that opening hours for that day only will be 2 – 5pm. Opening hours remain as normal for all other days.

New Certification sheet introduced to make mortgage application packaging easier

Friday 17 November 2017

Packaging your customers’ mortgage applications so that they are ‘right first time’ will ensure that they will be processed quickly avoiding any unnecessary delays because of requests for further information. ‘Right first time’ means having all the required supporting documentation correctly labelled and sent to us together at intermediarydocs@natwest.com.

 

To make life easier for you we have introduced a new Certification sheet for you to complete, which means that you do not have to certify each individual document you send in. You’ll be able to detail the documentation type and total number of pages being submitted and by signing this sheet you will be confirming that the documents are ‘true copies of the originals’.

 

Use of the Certification sheet is not mandatory and we will continue to accept individually certified documents but if you are submitting multiple pages you should find it quicker and easier to use it.

 

The Certification sheet will only cover the documents sent it in with it. If you need to submit more documents at a later date you will need to complete a separate sheet to cover them.

 

You’ll find all the information you need about the certification and documentation we require from your customers in our Packaging requirements guide.

Tracker deal rates to increase by 0.25% in line with new NatWest Base Rate

Friday 17 November 2017

From Monday 20 November, the NatWest Bank Base Rate will increase by 0.25% to 0.5% for new business. This change will be reflected in new initial rates on our 2 year and 5 year tracker mortgages.

 

Existing customers who are currently on a NatWest tracker deal will see the rate on their mortgage increase by 0.25% from Friday 1 December 2017.

 

We will write to all customers affected with details of their new interest rate and monthly repayment amount.

 

Customers currently on a NatWest fixed rate mortgage deal will not be affected by this change.

 

All product codes remain unchanged.

 

For a complete listing of all our mortgage products, please visit our product page.

 

New product transfer and retention fee facility to be launched on 14 December

Tuesday 14 November

We will launch our new product transfer facility on Thursday 14 December that will enable brokers to assist existing NatWest mortgage customers to switch to a new NatWest mortgage when their current deal comes to an end. The facility will be available for both residential and buy-to-let business for customers who are within their roll-off period, those on a standard variable rate (SVR) and those with ‘track and switch’ functionality.

 

The balance available to switch must also meet the new product minimum of £25,000.

 

On completion of each product transfer deal brokers will be paid a gross procuration fee of 0.2%.

 

The facility is not available to customers who want to exit an existing deal ahead of the roll-off period, those customers wishing to simultaneously take additional borrowing or instigate a contract variation, or those whose mortgage is in arrears.

Rate changes to core and semi-exclusive ranges

Effective from Tuesday 14 November 2017

On Tuesday 14 November, we are introducing changes to our core and semi-exclusive ranges. Here’s a summary of the changes:

 

Core range

Residential

·         All 2 year fixed rate purchase and remortgage – decreasing by 15bps

·         All 5 year fixed rate purchase and remortgage – decreasing by 20bps

 

Buy-to-let

·         All 2 year fixed rate purchase and remortgage – decreasing by 15bps

·         All 5 year fixed rate purchase and remortgage – decreasing by 20bps

 

Semi-exclusive range

Residential

·         All 2 year fixed rate purchase and remortgage – decreasing by 15bps

·         All 5 year fixed rate purchase and remortgage – decreasing by 20bps

 

Buy-to-let

·         All 2 year fixed rate purchase and remortgage – decreasing by 15bps

·         All 5 year fixed rate purchase and remortgage – decreasing by 20bps

 

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

First-time buyer only – 2 year fixed rate purchase                                                           

[FO15743] 80% LTV, decreasing by 15bps from 2.61% to 2.46% (3.6% APRC, 3.75% SVR), £0 product fee, £250 cashback

[FO15744] 85% LTV, decreasing by 15bps from 2.61% to 2.46% (3.6% APRC, 3.75% SVR), £0 product fee, £250 cashback

[FO15745] 90% LTV, decreasing by 15bps from 3.06% to 2.91% (3.7% APRC, 3.75% SVR), £995 product fee, £250 cashback

 

First-time buyer only – 5 year fixed rate purchase                                                           

[FO15746] 80% LTV, decreasing by 20bps from 3.80% to 3.60% (3.8% APRC, 3.75% SVR), £0 product fee, £250 cashback

[FO15747] 85% LTV, decreasing by 20bps from 3.83% to 3.63% (3.8% APRC, 3.75% SVR), £0 product fee, £250 cashback

[FO15748] 90% LTV, decreasing by 20bps from 3.92% to 3.72% (3.8% APRC, 3.75% SVR), £995 product fee, £250 cashback                                                                                                                                               

               

Shared Equity            - 2 year fixed rate purchase                                                                        

[FO15749] 60% LTV, decreasing by 15bps from 1.94% to 1.79% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15750] 60% LTV, decreasing by 15bps from 2.83% to 2.68% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15751] 70% LTV, decreasing by 15bps from 2.04% to 1.89% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15752] 70% LTV, decreasing by 15bps from 2.83% to 2.68% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15753] 75% LTV, decreasing by 15bps from 2.07% to 1.92% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15754] 75% LTV, decreasing by 15bps from 2.83% to 2.68% (3.6% APRC, 3.75% SVR), £0 product fee

                               

Shared equity            - 5 year fixed rate purchase                                                                        

[FO15755] 60% LTV, decreasing by 20bps from 2.67% to 2.47% (3.4% APRC, 3.75% SVR), £995 product fee

[FO15756] 60% LTV, decreasing by 20bps from 3.59% to 3.39% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15757] 70% LTV, decreasing by 20bps from 2.68% to 2.48% (3.4% APRC, 3.75% SVR), £995 product fee

[FO15758] 70% LTV, decreasing by 20bps from 3.59% to 3.39% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15759] 75% LTV, decreasing by 20bps from 2.80% to 2.60% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15760] 75% LTV, decreasing by 20bps from 3.69% to 3.49% (3.7% APRC, 3.75% SVR), £0 product fee

                                                                                                                                                                               

Help to Buy: shared equity - 2 year fixed rate purchase                                                              

[FO15761] 60% LTV, decreasing by 15bps from 1.94% to 1.79% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15762] 60% LTV, decreasing by 15bps from 2.83% to 2.68% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15763] 70% LTV, decreasing by 15bps from 2.04% to 1.89% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15764] 70% LTV, decreasing by 15bps from 2.83% to 2.68% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15765] 75% LTV, decreasing by 15bps from 2.07% to 1.92% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15766] 75% LTV, decreasing by 15bps from 2.83% to 2.68% (3.6% APRC, 3.75% SVR), £0 product fee

                               

Help to Buy: shared equity - 5 year fixed rate purchase                                                  

[FO15767] 60% LTV, decreasing by 20bps from 2.67% to 2.47% (3.4% APRC, 3.75% SVR), £995 product fee

[FO15768] 60% LTV, decreasing by 20bps from 3.59% to 3.39% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15769] 70% LTV, decreasing by 20bps from 2.68% to 2.48% (3.4% APRC, 3.75% SVR), £995 product fee

[FO15770] 70% LTV, decreasing by 20bps from 3.59% to 3.39% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15771] 75% LTV, decreasing by 20bps from 2.80% to 2.60% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15772] 75% LTV, decreasing by 20bps from 3.69% to 3.49% (3.7% APRC, 3.75% SVR), £0 product fee

                                                                                                                                                                               

2 year fixed rate purchase

[FO15693] 60% LTV, decreasing by 15bps from 1.55% to 1.40% (3.5% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15694] 60% LTV, decreasing by 15bps from 2.55% to 2.40% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15695] 70% LTV, decreasing by 15bps from 1.59% to 1.44% (3.5% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15696] 70% LTV, decreasing by 15bps from 2.60% to 2.45% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15697] 75% LTV, decreasing by 15bps from 1.67% to 1.52% (3.5% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15698] 75% LTV, decreasing by 15bps from 2.60% to 2.45% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15699] 80% LTV, decreasing by 15bps from 1.71% to 1.56% (3.5% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15700] 80% LTV, decreasing by 15bps from 3.09% to 2.94% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15701] 85% LTV, decreasing by 15bps from 1.85% to 1.70% (3.5% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15702] 85% LTV, decreasing by 15bps from 3.18% to 3.03% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15703] 90% LTV, decreasing by 15bps from 2.71% to 2.56% (3.7% APRC, 3.75% SVR), £995 product fee

[FO15704] 90% LTV, decreasing by 15bps from 3.50% to 3.35% (3.8% APRC, 3.75% SVR), £0 product fee

[FO15705] 95% LTV, decreasing by 15bps from 4.25% to 4.10% (3.9% APRC, 3.75% SVR), £0 product fee

 

5 year fixed rate purchase

[FO15706] 60% LTV, decreasing by 20bps from 1.99% to 1.79% (3.2% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15707] 60% LTV, decreasing by 20bps from 3.40% to 3.20% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15708] 70% LTV, decreasing by 20bps from 2.22% to 2.02% (3.2% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15709] 70% LTV, decreasing by 20bps from 3.48% to 3.28% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15710] 75% LTV, decreasing by 20bps from 2.28% to 2.08% (3.2% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15711] 75% LTV, decreasing by 20bps from 3.69% to 3.49% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15712] 80% LTV, decreasing by 20bps from 2.41% to 2.21% (3.3% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15713] 80% LTV, decreasing by 20bps from 3.85% to 3.65% (3.8% APRC, 3.75% SVR), £0 product fee

[FO15714] 85% LTV, decreasing by 20bps from 2.67% to 2.47% (3.4% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15715] 85% LTV, decreasing by 20bps from 3.88% to 3.68% (3.8% APRC, 3.75% SVR), £0 product fee

[FO15716] 90% LTV, decreasing by 20bps from 3.11% to 2.91% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15717] 90% LTV, decreasing by 20bps from 4.19% to 3.99% (3.9% APRC, 3.75% SVR), £0 product fee

[FO15718] 95% LTV, decreasing by 20bps from 4.75% to 4.55% (4.2% APRC, 3.75% SVR), £0 product fee

 

2 year fixed rate remortgage

[FO15719] 60% LTV, decreasing by 15bps from 1.95% to 1.80% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15720] 60% LTV, decreasing by 15bps from 2.74% to 2.59% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15721] 70% LTV, decreasing by 15bps from 2.14% to 1.99% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15722] 70% LTV, decreasing by 15bps from 2.84% to 2.69% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15723] 75% LTV, decreasing by 15bps from 2.14% to 1.99% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15724] 75% LTV, decreasing by 15bps from 2.84% to 2.69% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15725] 80% LTV, decreasing by 15bps from 2.23% to 2.08% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15726] 80% LTV, decreasing by 15bps from 2.94% to 2.79% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15727] 85% LTV, decreasing by 15bps from 2.43% to 2.28% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15728] 85% LTV, decreasing by 15bps from 3.03% to 2.88% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15729] 90% LTV, decreasing by 15bps from 2.75% to 2.60% (3.7% APRC, 3.75% SVR), £995 product fee

[FO15730] 90% LTV, decreasing by 15bps from 3.13% to 2.98% (3.7% APRC, 3.75% SVR), £0 product fee

                                                                                                                                               

5 year fixed rate remortgage

[FO15731] 60% LTV, decreasing by 20bps from 2.64% to 2.44% (3.4% APRC, 3.75% SVR), £995 product fee

[FO15732] 60% LTV, decreasing by 20bps from 3.20% to 3.00% (3.5% APRC, 3.75% SVR), £0 product fee

[FO15733] 70% LTV, decreasing by 20bps from 2.78% to 2.58% (3.4% APRC, 3.75% SVR), £995 product fee

[FO15734] 70% LTV, decreasing by 20bps from 3.23% to 3.03% (3.5% APRC, 3.75% SVR), £0 product fee

[FO15735] 75% LTV, decreasing by 20bps from 2.93% to 2.73% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15736] 75% LTV, decreasing by 20bps from 3.44% to 3.24% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15737] 80% LTV, decreasing by 20bps from 3.03% to 2.83% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15738] 80% LTV, decreasing by 20bps from 3.60% to 3.40% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15739] 85% LTV, decreasing by 20bps from 3.33% to 3.13% (3.7% APRC, 3.75% SVR), £995 product fee

[FO15740] 85% LTV, decreasing by 20bps from 3.63% to 3.43% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15741] 90% LTV, decreasing by 20bps from 3.48% to 3.28% (3.7% APRC, 3.75% SVR), £995 product fee

[FO15742] 90% LTV, decreasing by 20bps from 3.94% to 3.74% (3.8% APRC, 3.75% SVR), £0 product fee

 

Buy-to-let

 

RATE CHANGES

2 year fixed rate purchase

[FO15822] 60% LTV, decreasing by 15bps from 1.99% to 1.84% (4.1% APRC, 4.25% SVR), £995 product fee

[FO15823] 60% LTV, decreasing by 15bps from 2.37% to 2.22% (4.0% APRC, 4.25% SVR), £0 product fee

[FO15824] 70% LTV, decreasing by 15bps from 2.27% to 2.12% (4.1% APRC, 4.25% SVR), £995 product fee

[FO15825] 70% LTV, decreasing by 15bps from 2.78% to 2.63% (4.1% APRC, 4.25% SVR), £0 product fee

[FO15826] 75% LTV, decreasing by 15bps from 2.27% to 2.12 (4.1% APRC, 4.25% SVR), £995 product fee

[FO15827] 75% LTV, decreasing by 15bps from 2.87% to 2.72% (4.1% APRC, 4.25% SVR), £0 product fee

 

5 year fixed rate purchase

[FO15828] 60% LTV, decreasing by 20bps from 2.60% to 2.40% (3.7% APRC, 4.25% SVR), £995 product fee

[FO15829] 60% LTV, decreasing by 20bps from 3.08% to 2.88% (3.8% APRC, 4.25% SVR), £0 product fee

[FO15830] 70% LTV, decreasing by 20bps from 2.97% to 2.77% (3.9% APRC, 4.25% SVR), £995 product fee

[FO15831] 70% LTV, decreasing by 20bps from 3.18% to 2.98% (3.8% APRC, 4.25% SVR), £0 product fee

[FO15832] 75% LTV, decreasing by 20bps from 3.19% to 2.99% (3.9% APRC, 4.25% SVR), £995 product fee

[FO15833] 75% LTV, decreasing by 20bps from 3.35% to 3.15% (3.9% APRC, 4.25% SVR), £0 product fee

 

2 year fixed rate remortgage

[FO15834] 60% LTV, decreasing by 15bps from 2.09% to 1.94% (4.2% APRC, 4.25% SVR), £1,995 product fee

[FO15835] 60% LTV, decreasing by 15bps from 3.33% to 3.18% (4.2% APRC, 4.25% SVR), £0 product fee

[FO15836] 70% LTV, decreasing by 15bps from 2.64% to 2.49% (4.3% APRC, 4.25% SVR), £1,995 product fee

[FO15837] 70% LTV, decreasing by 15bps from 3.88% to 3.73% (4.3% APRC, 4.25% SVR), £0 product fee

[FO15838] 75% LTV, decreasing by 15bps from 2.83% to 2.68% (4.3% APRC, 4.25% SVR), £1,995 product fee

[FO15839] 75% LTV, decreasing by 15bps from 3.94% to 3.79% (4.3% APRC, 4.25% SVR), £0 product fee

 

5 year fixed rate remortgage

[FO15840] 60% LTV, decreasing by 20bps from 2.64% to 2.44% (3.7% APRC, 4.25% SVR), £995 product fee

[FO15841] 60% LTV, decreasing by 20bps from 4.09% to 3.89% (4.2% APRC, 4.25% SVR), £0 product fee

[FO15842] 70% LTV, decreasing by 20bps from 3.03% to 2.83% (3.9% APRC, 4.25% SVR), £995 product fee

[FO15843] 70% LTV, decreasing by 20bps from 4.74% to 4.54% (4.5% APRC, 4.25% SVR), £0 product fee

[FO15844] 75% LTV, decreasing by 20bps from 3.08% to 2.88% (3.9% APRC, 4.25% SVR), £995 product fee

[FO15845] 75% LTV, decreasing by 20bps from 4.88% to 4.68% (4.5% APRC, 4.25% SVR), £0 product fee

 

SEMI-EXCLUSIVE RANGE

Residential

 

First-time buyer only – 2 year fixed rate purchase                                                           

[FO15816] 80% LTV, decreasing by 15bps from 2.57% to 2.42% (3.6% APRC, 3.75% SVR), £0 product fee, £750 cashback

[FO15817] 85% LTV, decreasing by 15bps from 2.57% to 2.42% (3.6% APRC, 3.75% SVR), £0 product fee, £750 cashback

[FO15818] 90% LTV, decreasing by 15bps from 2.99% to 2.84% (3.5% APRC, 3.75% SVR), £995 product fee, £750 cashback

 

First-time buyer only – 5 year fixed rate purchase                                                           

[FO15819] 80% LTV, decreasing by 20bps from 2.70% to 2.50% (3.3% APRC, 3.75% SVR), £0 product fee, £750 cashback

[FO15820] 85% LTV, decreasing by 20bps from 2.82% to 2.62% (3.4% APRC, 3.75% SVR), £0 product fee, £750 cashback

[FO15821] 90% LTV, decreasing by 20bps from 3.38% to 3.18% (3.6% APRC, 3.75% SVR), £0 product fee, £750 cashback

 

2 year fixed rate purchase

[FO15773] 60% LTV, decreasing by 15bps from 2.13% to 1.98% (3.6% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15774] 70% LTV, decreasing by 15bps from 2.15% to 2.00% (3.6% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15775] 75% LTV, decreasing by 15bps from 2.16% to 2.01% (3.6% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15776] 80% LTV, decreasing by 15bps from 2.57% to 2.42% (3.6% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15777] 85% LTV, decreasing by 15bps from 2.57% to 2.42% (3.6% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15778] 90% LTV, decreasing by 15bps from 2.21% to 2.06% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15779] 90% LTV, decreasing by 15bps from 3.08% to 2.93% (3.7% APRC, 3.75% SVR), £0 product fee, £500 cashback

 

5 year fixed rate purchase

[FO15780] 60% LTV, decreasing by 20bps from 1.99% to 1.79% (3.6% APRC, 3.75% SVR), £995 product fee, £350 cashback

[FO15781] 60% LTV, decreasing by 20bps from 2.39% to 2.19% (3.3% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15782] 70% LTV, decreasing by 20bps from 2.25% to 2.05% (3.2% APRC, 3.75% SVR), £995 product fee, £500 cashback

[FO15783] 70% LTV, decreasing by 20bps from 2.48% to 2.28% (3.3% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15784] 75% LTV, decreasing by 20bps from 2.25% to 2.05% (3.3% APRC, 3.75% SVR), £995 product fee, £500 cashback

[FO15785] 75% LTV, decreasing by 20bps from 2.66% to 2.46% (3.3% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15786] 80% LTV, decreasing by 20bps from 2.42% to 2.22% (3.4% APRC, 3.75% SVR), £995 product fee, £500 cashback

[FO15787] 80% LTV, decreasing by 20bps from 2.70% to 2.50% (3.4% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15788] 85% LTV, decreasing by 20bps from 2.59% to 2.39% (3.4% APRC, 3.75% SVR), £995 product fee, £500 cashback

[FO15789] 85% LTV, decreasing by 20bps from 2.85% to 2.65% (3.5% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15790] 90% LTV, decreasing by 20bps from 3.04% to 2.84% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15791] 90% LTV, decreasing by 20bps from 3.38% to 3.18% (3.7% APRC, 3.75% SVR), £0 product fee, £500 cashback

                                                                                                                                                                               

2 year fixed remortgage

[FO15792] 60% LTV, decreasing by 15bps from 1.50% to 1.35% (3.5% APRC, 3.75% SVR), £995 product fee,

[FO15793] 60% LTV, decreasing by 15bps from 1.97% to 1.82% (3.5% APRC, 3.75% SVR), £0 product fee,

[FO15794] 70% LTV, decreasing by 15bps from 1.63% to 1.48% (3.5% APRC, 3.75% SVR), £995 product fee,

[FO15795] 70% LTV, decreasing by 15bps from 1.97% to 1.82% (3.5% APRC, 3.75% SVR), £0 product fee,

[FO15796] 75% LTV, decreasing by 15bps from 1.65% to 1.50% (3.5% APRC, 3.75% SVR), £995 product fee,

[FO15797] 75% LTV, decreasing by 15bps from 1.99% to 1.84% (3.5% APRC, 3.75% SVR), £0 product fee,

[FO15798] 80% LTV, decreasing by 15bps from 1.73% to 1.58% (3.6% APRC, 3.75% SVR), £995 product fee,

[FO15799] 80% LTV, decreasing by 15bps from 2.14% to 1.99% (3.5% APRC, 3.75% SVR), £0 product fee,

[FO15800] 85% LTV, decreasing by 15bps from 1.85% to 1.70% (3.5% APRC, 3.75% SVR), £995 product fee,

[FO15801] 85% LTV, decreasing by 15bps from 2.23% to 2.08% (3.5% APRC, 3.75% SVR), £0 product fee,

[FO15802] 90% LTV, decreasing by 15bps from 2.39% to 2.24% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15803] 90% LTV, decreasing by 15bps from 2.68% to 2.53% (3.6% APRC, 3.75% SVR), £0 product fee,

5 year fixed rate remortgage

[FO15804] 60% LTV, decreasing by 20bps from 1.99% to 1.79% (3.2% APRC, 3.75% SVR), £995 product fee,

[FO15805] 60% LTV, decreasing by 20bps from 2.27% to 2.07% (3.2% APRC, 3.75% SVR), £0 product fee,

[FO15806] 70% LTV, decreasing by 20bps from 2.22% to 2.02% (3.2% APRC, 3.75% SVR), £995 product fee,

[FO15807] 70% LTV, decreasing by 20bps from 2.39% to 2.19% (3.2% APRC, 3.75% SVR), £0 product fee,

[FO15808] 75% LTV, decreasing by 20bps from 2.28% to 2.08% (3.2% APRC, 3.75% SVR), £995 product fee,

[FO15809] 75% LTV, decreasing by 20bps from 2.43% to 2.23% (3.2% APRC, 3.75% SVR), £0 product fee,

[FO15810] 80% LTV, decreasing by 20bps from 2.39% to 2.19% (3.3% APRC, 3.75% SVR), £995 product fee,

[FO15811] 80% LTV, decreasing by 20bps from 2.59% to 2.39% (3.3% APRC, 3.75% SVR), £0 product fee,

[FO15812] 85% LTV, decreasing by 20bps from 2.59% to 2.39% (3.4% APRC, 3.75% SVR), £995 product fee,

[FO15813] 85% LTV, decreasing by 20bps from 2.73% to 2.53% (3.3% APRC, 3.75% SVR), £0 product fee,

[FO15814] 90% LTV, decreasing by 20bps from 3.09% to 2.89% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15815] 90% LTV, decreasing by 20bps from 3.34% to 3.14% (3.6% APRC, 3.75% SVR), £0 product fee,

 

Buy-to-let

 

RATE CHANGES

2 year fixed rate purchase

[FO15846] 70% LTV, decreasing by 15bps from 2.08% to 1.93% (4.0% APRC, 4.25% SVR), £995 product fee

[FO15847] 70% LTV, decreasing by 15bps from 2.48% to 2.33% (4.0% APRC, 4.25% SVR), £0 product fee

[FO15848] 75% LTV, decreasing by 15bps from 2.08% to 1.93% (4.0% APRC, 4.25% SVR), £995 product fee

[FO15849] 75% LTV, decreasing by 15bps from 2.79% to 2.64% (4.1% APRC, 4.25% SVR), £0 product fee

 

5 year fixed rate purchase

[FO15850] 60% LTV, decreasing by 20bps from 2.43% to 2.23% (3.7% APRC, 4.25% SVR), £995 product fee

[FO15851] 60% LTV, decreasing by 20bps from 2.73% to 2.53% (3.7% APRC, 4.25% SVR), £0 product fee

[FO15852] 70% LTV, decreasing by 20bps from 2.83% to 2.63% (3.8% APRC, 4.25% SVR), £995 product fee

[FO15853] 75% LTV, decreasing by 20bps from 2.98% to 2.78% (3.9% APRC, 4.25% SVR), £995 product fee

 

2 year fixed rate remortgage

[FO15854] 60% LTV, decreasing by 15bps from 1.78% to 1.63% (4.0% APRC, 4.25% SVR), £995 product fee

[FO15855] 60% LTV, decreasing by 15bps from 2.38% to 2.23% (4.0% APRC, 4.25% SVR), £0 product fee

[FO15856] 70% LTV, decreasing by 15bps from 2.18% to 2.03% (4.1% APRC, 4.25% SVR), £995 product fee

[FO15857] 70% LTV, decreasing by 15bps from 2.68% to 2.53% (4.0% APRC, 4.25% SVR), £0 product fee

[FO15858] 75% LTV, decreasing by 15bps from 2.18% to 2.03% (4.1% APRC, 4.25% SVR), £995 product fee

[FO15859] 75% LTV, decreasing by 15bps from 2.68% to 2.53% (4.0% APRC, 4.25% SVR), £0 product fee

 

5 year fixed rate remortgage

[FO15860] 60% LTV, decreasing by 20bps from 2.38% to 2.18% (3.6% APRC, 4.25% SVR), £995 product fee

[FO15861] 60% LTV, decreasing by 20bps from 2.74% to 2.54% (3.7% APRC, 4.25% SVR), £0 product fee

[FO15862] 70% LTV, decreasing by 20bps from 2.90% to 2.70% (3.8% APRC, 4.25% SVR), £995 product fee

[FO15863] 70% LTV, decreasing by 20bps from 2.98% to 2.78% (3.8% APRC, 4.25% SVR), £0 product fee

[FO15864] 75% LTV, decreasing by 20bps from 2.90% to 2.70% (3.8% APRC, 4.25% SVR), £995 product fee

[FO15865] 75% LTV, decreasing by 20bps from 3.19% to 2.99% (3.8% APRC, 4.25% SVR), £0 product fee

 

Cashback offers:

The cashback will be paid to your customer’s solicitor on the day they draw down their mortgage

Offer can be changed/withdrawn at any time

Early repayment charges may apply

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

Overpayments:

Overpayments of up to 10% of the outstanding balance per annum are allowed during the initial deal period.

Early repayment charges:

2 year fixed rate: 2% until 28 February 2019, 1% until 29 February 2020

5 year fixed rate: 5% until 28 February 2019, 4% until 29 February 2020, 3% until 28 February 2021, 2% until 28 February 2022, 1% until 28 February 2023

Minimum loan amounts:

£25,000

 

 

Transitional arrangements

 

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Monday 13 November 2017.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Monday 27 November 2017.

 

Missing information process

 

Cases received before Tuesday 14 November 2017 with missing information will be identified by the Broker Support Team, who will contact the broker to obtain this.  If the missing information cannot be completed on the same day, the case will not qualify for the expired deal.

 

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. The only other circumstance that we will accept a paper application is if you are a Countrywide member using the MTE to submit a porting case. In both instances, you must e-mail your BDM by midday on Tuesday 14 November 2017. 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 Thursday 16 November 2017 for your rate to be honoured:

 

NatWest Intermediary Solutions

Broker Support Team

1st Floor

6 Brindley Place

Birmingham

B1 2UU

 

Any cases that are submitted with missing information will not be upheld.

 

Any cases submitted must have all supporting documentation by Monday 27 November 2017.

 

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.

 

SVR to change

Friday 10 November 2017

From Monday 20 November 2017, the Standard Variable Rates (SVRs) for our residential and buy-to-let mortgages will increase by 0.24% to reflect the recent rise in the Bank of England’s Base Rate.  This means that the SVR for all new residential mortgage deals will be 3.99% and for all new buy-to-let mortgage deals it will be 4.49%. All existing NatWest mortgage customers on an SVR will have their rate increased with effect from Friday 1 December 2017.

 

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.

 

 

 

Rate changes to core and semi-exclusive ranges

Effective from Tuesday 24 October 2017

On Tuesday 24 October, we are introducing changes to our core and semi-exclusive ranges.

 

Core range

Residential

·         First-time buyer only - 2 & 5 year fixed rate purchase – increasing by 20bps

·         Shared equity scheme, 2 & 5 year fixed rate purchase – increasing by 20bps

·         2 & 5 year fixed rate purchase deals – increasing by between 16-20bps

·         2 year fixed rate remortgages – increasing by 15bps

·         5 year fixed rate remortgages – increasing by 5bps

 

Buy-to-let

·         2 & 5 year fixed rate purchase and remortgages – increasing by 10bps

 

Semi-exclusive range

Residential

·         First-time buyer only - 2 & 5 year fixed rate purchase – increasing by 20bps

·         2 & 5 year fixed rate purchase deals – increasing by between 16-20bps

·         2 & 5 year fixed rate remortgages – increasing by between 14-20bps

 

Buy-to-let

·         2 & 5 year fixed rate purchase and remortgages – increasing by 10bps

 

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

First-time buyer only – 2 year fixed rate purchase                                                                       

[FO15389] 80% LTV, increasing by 20bps from 2.41% to 2.61% (3.6% APRC, 3.75% SVR), £0 product fee, £250 cashback

[FO15390]85% LTV, increasing by 20bps from 2.41% to 2.61% (3.6% APRC, 3.75% SVR), £0 product fee, £250 cashback

[FO15391] 90% LTV, increasing by 20bps from 2.86% to 3.06% (3.7% APRC, 3.75% SVR), £995 product fee, £250 cashback

 

First-time buyer only – 5 year fixed rate purchase                                                                       

[FO15392] 80% LTV, increasing by 20bps from 3.60% to 3.80% (3.9% APRC, 3.75% SVR), £0 product fee, £250 cashback

[FO15393] 85% LTV, increasing by 20bps from 3.63% to 3.83% (3.9% APRC, 3.75% SVR), £0 product fee, £250 cashback

[FO15394] 90% LTV, increasing by 20bps from 3.72% to 3.92% (3.9% APRC, 3.75% SVR), £995 product fee, £250 cashback                                                                                                                                

               

Shared Equity            - 2 year fixed rate purchase                                                                        

[FO15395] 60% LTV, increasing by 20bps from 1.74% to 1.94% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15396] 60% LTV, increasing by 20bps from 2.63% to 2.83% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15397] 70% LTV, increasing by 20bps from 1.84% to 2.04% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15398] 70% LTV, increasing by 20bps from 2.63% to 2.83% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15399] 75% LTV, increasing by 20bps from 1.87% to 2.07% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15400] 75% LTV, increasing by 20bps from 2.63% to 2.83% (3.7% APRC, 3.75% SVR), £0 product fee

                               

Shared equity            - 5 year fixed rate purchase                                                                        

[FO15401] 60% LTV, increasing by 20bps from 2.47% to 2.67% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15402] 60% LTV, increasing by 20bps from 3.39% to 3.59% (3.8% APRC, 3.75% SVR), £0 product fee

[FO15403] 70% LTV, increasing by 20bps from 2.48% to 2.68% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15404] 70% LTV, increasing by 20bps from 3.39% to 3.59% (3.8% APRC, 3.75% SVR), £0 product fee

[FO15405] 75% LTV, increasing by 20bps from 2.60% to 2.80% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15406] 75% LTV, increasing by 20bps from 3.49% to 3.69% (3.8% APRC, 3.75% SVR), £0 product fee

                                                                                                                                                                                                               

Help to Buy: shared equity - 2 year fixed rate purchase                                                              

[FO15431] 60% LTV, increasing by 20bps from 1.74% to 1.94% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15432] 60% LTV, increasing by 20bps from 2.63% to 2.83% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15433] 70% LTV, increasing by 20bps from 1.84% to 2.04% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15434] 70% LTV, increasing by 20bps from 2.63% to 2.83% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15435] 75% LTV, increasing by 20bps from 1.87% to 2.07% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15436] 75% LTV, increasing by 20bps from 2.63% to 2.83% (3.7% APRC, 3.75% SVR), £0 product fee

                               

Help to Buy: shared equity - 5 year fixed rate purchase                                                  

[FO15437] 60% LTV, increasing by 20bps from 2.47% to 2.67% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15438] 60% LTV, increasing by 20bps from 3.39% to 3.59% (3.8% APRC, 3.75% SVR), £0 product fee

[FO15439] 70% LTV, increasing by 20bps from 2.48% to 2.68% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15440] 70% LTV, increasing by 20bps from 3.39% to 3.59% (3.8% APRC, 3.75% SVR), £0 product fee

[FO15441] 75% LTV, increasing by 20bps from 2.60% to 2.80% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15442] 75% LTV, increasing by 20bps from 3.49% to 3.69% (3.8% APRC, 3.75% SVR), £0 product fee

                                                                                                                                                                                                               

2 year fixed rate purchase

[FO15339] 60% LTV, increasing by 20bps from 1.35% to 1.55% (3.6% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15340] 60% LTV, increasing by 20bps from 2.35% to 2.55% (3.56% APRC, 3.75% SVR), £0 product fee

[FO15341] 70% LTV, increasing by 20bps from 1.39% to 1.59% (3.5% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15342] 70% LTV, increasing by 20bps from 2.40% to 2.60% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15343] 75% LTV, increasing by 20bps from 1.47% to 1.67% (3.5% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15344] 75% LTV, increasing by 20bps from 2.40% to 2.60% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15345] 80% LTV, increasing by 20bps from 1.51% to 1.71% (3.5% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15346] 80% LTV, increasing by 20bps from 2.89% to 3.09% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15347] 85% LTV, increasing by 20bps from 1.65% to 1.85% (3.6% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15348] 85% LTV, increasing by 20bps from 2.98% to 3.18% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15349] 90% LTV, increasing by 20bps from 2.51% to 2.71% (3.7% APRC, 3.75% SVR), £995 product fee

[FO15350] 90% LTV, increasing by 20bps from 3.30% to 3.50% (3.8% APRC, 3.75% SVR), £0 product fee

[FO15351] 95% LTV, increasing by 20bps from 4.05% to 4.25% (3.7% APRC, 3.75% SVR), £0 product fee

 

5 year fixed rate purchase

[FO15352] 60% LTV, increasing by 16bps from 1.83% to 1.99% (3.2% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15353] 60% LTV, increasing by 20bps from 3.20% to 3.40% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15354] 70% LTV, increasing by 20bps from 2.02% to 2.22% (3.3% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15355] 70% LTV, increasing by 20bps from 3.28% to 3.48% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15356] 75% LTV, increasing by 20bps from 2.08% to 2.28% (3.3% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15357] 75% LTV, increasing by 20bps from 3.49% to 3.69% (3.8% APRC, 3.75% SVR), £0 product fee

[FO15358] 80% LTV, increasing by 20bps from 2.21% to 2.41% (3.4% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15359] 80% LTV, increasing by 20bps from 3.65% to 3.85% (3.9% APRC, 3.75% SVR), £0 product fee

[FO15360] 85% LTV, increasing by 20bps from 2.47% to 2.67% (3.5% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15361] 85% LTV, increasing by 20bps from 3.68% to 3.88% (3.9% APRC, 3.75% SVR), £0 product fee

[FO15362] 90% LTV, increasing by 20bps from 2.91% to 3.11% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15363] 90% LTV, increasing by 20bps from 3.99% to 4.19% (4.0% APRC, 3.75% SVR), £0 product fee

[FO15364] 95% LTV, increasing by 20bps from 4.55% to 4.75% (4.3% APRC, 3.75% SVR), £0 product fee

 

2 year fixed rate remortgage

[FO15365] 60% LTV, increasing by 15bps from 1.80% to 1.95% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15366] 60% LTV, increasing by 15bps from 2.59% to 2.74% (3.5% APRC, 3.75% SVR), £0 product fee

[FO15367] 70% LTV, increasing by 15bps from 1.99% to 2.14% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15368] 70% LTV, increasing by 15bps from 2.69% to 2.84% (3.5% APRC, 3.75% SVR), £0 product fee

[FO15369] 75% LTV, increasing by 15bps from 1.99% to 2.14% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15370] 75% LTV, increasing by 15bps from 2.69% to 2.84% (3.5% APRC, 3.75% SVR), £0 product fee

[FO15371] 80% LTV, increasing by 15bps from 2.08% to 2.23% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15372] 80% LTV, increasing by 15bps from 2.79% to 2.94% (3.5% APRC, 3.75% SVR), £0 product fee

[FO15373] 85% LTV, increasing by 15bps from 2.28% to 2.43% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15374] 85% LTV, increasing by 15bps from 2.88% to 3.03% (3.5% APRC, 3.75% SVR), £0 product fee

[FO15375] 90% LTV, increasing by 15bps from 2.60% to 2.75% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15376] 90% LTV, increasing by 15bps from 2.98% to 3.13% (3.5% APRC, 3.75% SVR), £0 product fee

                                                                                                                                               

5 year fixed rate remortgage

[FO15377] 60% LTV, increasing by 5bps from 2.59% to 2.64% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15378] 60% LTV, increasing by 5bps from 3.15% to 3.20% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15379] 70% LTV, increasing by 5bps from 2.73% to 2.78% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15380] 70% LTV, increasing by 5bps from 3.18% to 3.23% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15381] 75% LTV, increasing by 5bps from 2.88% to 2.93% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15382] 75% LTV, increasing by 5bps from 3.39% to 3.44% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15383] 80% LTV, increasing by 5bps from 2.98% to 3.03% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15384] 80% LTV, increasing by 5bps from 3.55% to 3.60% (3.8% APRC, 3.75% SVR), £0 product fee

[FO15385] 85% LTV, increasing by 5bps from 3.28% to 3.33% (3.7% APRC, 3.75% SVR), £995 product fee

[FO15386] 85% LTV, increasing by 5bps from 3.58% to 3.63% (3.8% APRC, 3.75% SVR), £0 product fee

[FO15387] 90% LTV, increasing by 5bps from 3.43% to 3.48% (3.8% APRC, 3.75% SVR), £995 product fee

[FO15388] 90% LTV, increasing by 5bps from 3.89% to 3.94% (3.9% APRC, 3.75% SVR), £0 product fee

 

Buy-to-let

 

RATE CHANGES

2 year fixed rate purchase

 

[FO15407] 60% LTV, increasing by 10bps from 1.89% to 1.99% (4.1% APRC, 4.25% SVR), £995 product fee

[FO15408] 60% LTV, increasing by 10bps from 2.27% to 2.37% (4.0% APRC, 4.25% SVR), £0 product fee

[FO15409] 70% LTV, increasing by 10bps from 2.17% to 2.27% (4.1% APRC, 4.25% SVR), £995 product fee

[FO15410] 70% LTV, increasing by 10bps from 2.68% to 2.78% (4.1% APRC, 4.25% SVR), £0 product fee

[FO15411] 75% LTV, increasing by 10bps from 2.17% to 2.27% (4.1% APRC, 4.25% SVR), £995 product fee

[FO15412] 75% LTV, increasing by 10bps from 2.77% to 2.87% (4.1% APRC, 4.25% SVR), £0 product fee

 

5 year fixed rate purchase

[FO15413] 60% LTV, increasing by 10bps from 2.50% to 2.60% (3.8% APRC, 4.25% SVR), £995 product fee

[FO15414] 60% LTV, increasing by 10bps from 2.98% to 3.08% (3.9% APRC, 4.25% SVR), £0 product fee

[FO15415] 70% LTV, increasing by 10bps from 2.87% to 2.97% (3.9% APRC, 4.25% SVR), £995 product fee

[FO15416] 70% LTV, increasing by 10bps from 3.08% to 3.18% (3.9% APRC, 4.25% SVR), £0 product fee

[FO15417] 75% LTV, increasing by 10bps from 3.09% to 3.19% (4.0% APRC, 4.25% SVR), £995 product fee

[FO15418] 75% LTV, increasing by 10bps from 3.25% to 3.35% (4.0% APRC, 4.25% SVR), £0 product fee

 

2 year fixed rate remortgage

[FO15419] 60% LTV, increasing by 10bps from 1.99% to 2.09% (4.2% APRC, 4.25% SVR), £1,995 product fee

[FO15420] 60% LTV, increasing by 10bps from 3.23% to 3.33% (4.2% APRC, 4.25% SVR), £0 product fee

[FO15421] 70% LTV, increasing by 10bps from 2.54% to 2.64% (4.3% APRC, 4.25% SVR), £1,995 product fee

[FO15422] 70% LTV, increasing by 10bps from 3.78% to 3.88% (4.3% APRC, 4.25% SVR), £0 product fee

[FO15423] 75% LTV, increasing by 10bps from 2.73% to 2.83% (4.3% APRC, 4.25% SVR), £1,995 product fee

[FO15424] 75% LTV, increasing by 10bps from 3.84% to 3.94% (4.3% APRC, 4.25% SVR), £0 product fee

 

5 year fixed rate remortgage

[FO15425] 60% LTV, increasing by 10bps from 2.54% to 2.64% (3.8% APRC, 4.25% SVR), £995 product fee

[FO15426] 60% LTV, increasing by 10bps from 3.99% to 4.09% (4.3% APRC, 4.25% SVR), £0 product fee

[FO15427] 70% LTV, increasing by 10bps from 2.93% to 3.03% (4.0% APRC, 4.25% SVR), £995 product fee

[FO15428] 70% LTV, increasing by 10bps from 4.64% to 4.74% (4.6% APRC, 4.25% SVR), £0 product fee

[FO15429] 75% LTV, increasing by 10bps from 2.98% to 3.08% (4.0% APRC, 4.25% SVR), £995 product fee

[FO15430] 75% LTV, increasing by 10bps from 4.78% to 4.88% (4.6% APRC, 4.25% SVR), £0 product fee

 

 

SEMI-EXCLUSIVE RANGE

Residential

 

First-time buyer only – 2 year fixed rate purchase                                                                       

[FO15506] 80% LTV, increasing by 20bps from 2.37% to 2.57% (3.6% APRC, 3.75% SVR), £0 product fee, £750 cashback

[FO15507] 85% LTV, increasing by 20bps from 2.37% to 2.57% (3.6% APRC, 3.75% SVR), £0 product fee, £750 cashback

 [FO15508] 90% LTV, increasing by 20bps from 2.79% to 2.99% (3.5% APRC, 3.75% SVR), £995 product fee, £750 cashback

 

First-time buyer only – 5 year fixed rate purchase                                                                       

[FO15509] 80% LTV, increasing by 20bps from 2.50% to 2.70% (3.4% APRC, 3.75% SVR), £0 product fee, £750 cashback

[FO15510] 85% LTV, increasing by 20bps from 2.62% to 2.82% (3.5% APRC, 3.75% SVR), £0 product fee, £750 cashback

[FO15511] 90% LTV, increasing by 20bps from 3.18% to 3.38% (3.7% APRC, 3.75% SVR), £0 product fee, £750 cashback

 

2 year fixed rate purchase

[FO15443] 60% LTV, increasing by 20bps from 1.93% to 2.13% (3.6% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15444] 70% LTV, increasing by 20bps from 1.95% to 2.15% (3.6% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15445] 75% LTV, increasing by 20bps from 1.96% to 2.16% (3.6% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15446] 80% LTV, increasing by 20bps from 2.37% to 2.57% (3.6% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15447] 85% LTV, increasing by 20bps from 2.37% to 2.57% (3.6% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15448] 90% LTV, increasing by 20bps from 2.01% to 2.21% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15449] 90% LTV, increasing by 20bps from 2.88% to 3.08% (3.7% APRC, 3.75% SVR), £0 product fee, £500 cashback

 

5 year fixed rate purchase

[FO15450] 60% LTV, increasing by 16bps from 1.83% to 1.99% (3.6% APRC, 3.75% SVR), £995 product fee, £350 cashback

[FO15451] 60% LTV, increasing by 16bps from 2.19% to 2.39% (3.3% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15452] 70% LTV, increasing by 20bps from 2.05% to 2.25% (3.3% APRC, 3.75% SVR), £995 product fee, £500 cashback

[FO15453] 70% LTV, increasing by 20bps from 2.28% to 2.48% (3.3% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15454] 75% LTV, increasing by 20bps from 2.05% to 2.25% (3.3% APRC, 3.75% SVR), £995 product fee, £500 cashback

[FO15455] 75% LTV, increasing by 20bps from 2.46% to 2.66% (3.4% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15456] 80% LTV, increasing by 20bps from 2.22% to 2.42% (3.4% APRC, 3.75% SVR), £995 product fee, £500 cashback

[FO15457] 80% LTV, increasing by 20bps from 2.50% to 2.70% (3.4% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15458] 85% LTV, increasing by 20bps from 2.39% to 2.59% (3.4% APRC, 3.75% SVR), £995 product fee, £500 cashback

[FO15459] 85% LTV, increasing by 20bps from 2.65% to 2.85% (3.5% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15460] 90% LTV, increasing by 20bps from 2.84% to 3.04% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15461] 90% LTV, increasing by 20bps from 3.18% to 3.38% (3.7% APRC, 3.75% SVR), £0 product fee, £500 cashback

                                                                                                                                                                                               

2 year fixed remortgage

[FO15462] 60% LTV, increasing by 20bps from 1.30% to 1.50% (3.5% APRC, 3.75% SVR), £995 product fee,

[FO15463] 60% LTV, increasing by 20bps from 1.77% to 1.97% (3.5% APRC, 3.75% SVR), £0 product fee,

[FO15464] 70% LTV, increasing by 20bps from 1.43% to 1.63% (3.5% APRC, 3.75% SVR), £995 product fee,

[FO15465] 70% LTV, increasing by 20bps from 1.77% to 1.97% (3.5% APRC, 3.75% SVR), £0 product fee,

[FO15466] 75% LTV, increasing by 20bps from 1.45% to 1.65% (3.5% APRC, 3.75% SVR), £995 product fee,

[FO15467] 75% LTV, increasing by 20bps from 1.79% to 1.99% (3.5% APRC, 3.75% SVR), £0 product fee,

[FO15468] 80% LTV, increasing by 20bps from 1.53% to 1.73% (3.6% APRC, 3.75% SVR), £995 product fee,

[FO15469] 80% LTV, increasing by 20bps from 1.94% to 2.14% (3.5% APRC, 3.75% SVR), £0 product fee,

[FO15470] 85% LTV, increasing by 20bps from 1.65% to 1.85% (3.6% APRC, 3.75% SVR), £995 product fee,

[FO15471] 85% LTV, increasing by 20bps from 2.03% to 2.23% (3.6% APRC, 3.75% SVR), £0 product fee,

[FO15472] 90% LTV, increasing by 20bps from 2.19% to 2.39% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15473] 90% LTV, increasing by 20bps from 2.48% to 2.68% (3.6% APRC, 3.75% SVR), £0 product fee,

 

5 year fixed rate remortgage

[FO15474] 60% LTV, increasing by 14bps from 1.85% to 1.99% (3.2% APRC, 3.75% SVR), £995 product fee,

[FO15475] 60% LTV, increasing by 20bps from 2.07% to 2.27% (3.2% APRC, 3.75% SVR), £0 product fee,

[FO15476] 70% LTV, increasing by 20bps from 2.02% to 2.22% (3.3% APRC, 3.75% SVR), £995 product fee,

[FO15477] 70% LTV, increasing by 20bps from 2.19% to 2.39% (3.3% APRC, 3.75% SVR), £0 product fee,

[FO15478] 75% LTV, increasing by 20bps from 2.08% to 2.28% (3.3% APRC, 3.75% SVR), £995 product fee,

[FO15479] 75% LTV, increasing by 20bps from 2.23% to 2.43% (3.3% APRC, 3.75% SVR), £0 product fee,

[FO15480] 80% LTV, increasing by 20bps from 2.19% to 2.39% (3.4% APRC, 3.75% SVR), £995 product fee,

[FO15481] 80% LTV, increasing by 20bps from 2.39% to 2.59% (3.4% APRC, 3.75% SVR), £0 product fee,

[FO15482] 85% LTV, increasing by 20bps from 2.39% to 2.59% (3.4% APRC, 3.75% SVR), £995 product fee,

[FO15483] 85% LTV, increasing by 20bps from 2.53% to 2.73% (3.4% APRC, 3.75% SVR), £0 product fee,

[FO15484] 90% LTV, increasing by 20bps from 2.89% to 3.09% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15485] 90% LTV, increasing by 20bps from 3.14% to 3.34% (3.7% APRC, 3.75% SVR), £0 product fee,

 

Buy-to-let

 

RATE CHANGES

2 year fixed rate purchase

[FO15486] 70% LTV, increasing by 10bps from 1.98% to 2.08% (4.1% APRC, 4.25% SVR), £995 product fee

[FO15487] 70% LTV, increasing by 10bps from 2.38% to 2.48% (4.0% APRC, 4.25% SVR), £0 product fee

[FO15488] 75% LTV, increasing by 10bps from 1.98% to 2.08% (4.1% APRC, 4.25% SVR), £995 product fee

[FO15489] 75% LTV, increasing by 10bps from 2.69% to 2.79% (4.1% APRC, 4.25% SVR), £0 product fee

 

5 year fixed rate purchase

[FO15490] 60% LTV, increasing by 10bps from 2.33% to 2.43% (3.7% APRC, 4.25% SVR), £995 product fee

[FO15491] 60% LTV, increasing by 10bps from 2.63% to 2.73% (3.7% APRC, 4.25% SVR), £0 product fee

[FO15492] 70% LTV, increasing by 10bps from 2.73% to 2.83% (3.9% APRC, 4.25% SVR), £995 product fee

[FO15493] 75% LTV, increasing by 10bps from 2.88% to 2.98% (3.9% APRC, 4.25% SVR), £995 product fee

 

2 year fixed rate remortgage

[FO15494] 60% LTV, increasing by 10bps from 1.68% to 1.78% (4.0% APRC, 4.25% SVR), £995 product fee

[FO15495] 60% LTV, increasing by 10bps from 2.28% to 2.38% (4.0% APRC, 4.25% SVR), £0 product fee

[FO15496] 70% LTV, increasing by 10bps from 2.08% to 2.18% (4.1% APRC, 4.25% SVR), £995 product fee

[FO15497] 70% LTV, increasing by 10bps from 2.58% to 2.68% (4.1% APRC, 4.25% SVR), £0 product fee

[FO15498] 75% LTV, increasing by 10bps from 2.08% to 2.18% (4.1% APRC, 4.25% SVR), £995 product fee

[FO15499] 75% LTV, increasing by 10bps from 2.58% to 2.68% (4.1% APRC, 4.25% SVR), £0 product fee

 

5 year fixed rate remortgage

[FO15500] 60% LTV, increasing by 10bps from 2.28% to 2.38% (3.7% APRC, 4.25% SVR), £995 product fee

[FO15501] 60% LTV, increasing by 10bps from 2.64% to 2.74% (3.7% APRC, 4.25% SVR), £0 product fee

[FO15502] 70% LTV, increasing by 10bps from 2.80% to 2.90% (3.9% APRC, 4.25% SVR), £995 product fee

[FO15503] 70% LTV, increasing by 10bps from 3.08% to 3.18% (3.9% APRC, 4.25% SVR), £0 product fee

[FO15504] 75% LTV, increasing by 10bps from 2.80% to 2.90% (3.9% APRC, 4.25% SVR), £995 product fee

[FO15505] 75% LTV, increasing by 10bps from 3.09% to 3.19% (3.9% APRC, 4.25% SVR), £0 product fee

 

Cashback offers:

The cashback will be paid to your customer’s solicitor on the day they draw down their mortgage

Offer can be changed/withdrawn at any time

Early repayment charges may apply

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

 

Overpayments:

Overpayments of up to 10% of the outstanding balance per annum are allowed during the initial deal period.

 

Early repayment charges:

2 year fixed rate: 2% until 28 February 2019, 1% until 29 February 2020

5 year fixed rate: 5% until 28 February 2019, 4% until 29 February 2020, 3% until 28 February 2021, 2% until 28 February 2022, 1% until 28 February 2023

 

Minimum loan amounts:

£25,000

 

 

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Monday 23 October 2017.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Thursday 2 November 2017.

 

Missing information process

Cases received before Tuesday 24 October 2017 with missing information will be identified by the Broker Support Team, who will contact the broker to obtain this.  If the missing information cannot be completed on the same day, the case will not qualify for the expired deal.

 

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. The only other circumstance that we will accept a paper application is if you are a Countrywide member using the MTE to submit a porting case. In both instances, you must e-mail your BDM by midday on Tuesday 24 October 2017. 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 Thursday 26 October 2017 for your rate to be honoured:

 

NatWest Intermediary Solutions

Broker Support Team

1st Floor

6 Brindley Place

Birmingham

B1 2UU

 

Any cases that are submitted with missing information will not be upheld.

 

Any cases submitted must have all supporting documentation by Thursday 2 November 2017.

 

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 from Friday 6 October 2017

On Friday 6 October, we are introducing changes to our core and semi-exclusive ranges.

 

Core range

·         Rate increases of between 2-90bps across our 2 and 5 year fixed rate purchase and remortgage deals

·         Cash back reductions on several fixed rate purchase deals

·         Rate reduction of 10 bps on 5 year fixed rate, 60% LTV buy-to-let purchase deal

 

Semi-exclusives

·         New 5 year fixed rate purchase, 70% LTV £500 cashback deal

·         Withdrawal of four 2 year fixed rate purchase deals

·         Rate increases of between 10-30bps across our 2 and 5 year fixed rate purchase and remortgage deals

·         Rate reductions of between 4-10bpps on a number of our buy-to-let deals

 

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 AND CASHBACK CHANGES

First-time buyer - 2 year fixed rate purchase

[FO15033] 80% LTV, increasing by 10bps from 2.31% to 2.41% (3.6% APRC, 3.75% SVR), £0 product fee, cashback reducing from £500 to £250

[FO15034] 85% LTV, 2.41% (3.6% APRC, 3.75% SVR), £0 product fee, cashback reducing from £500 to £250

[FO15035] 90% LTV, increasing by 2bps from 2.84% to 2.86% (3.7% APRC, 3.75% SVR), £995 product fee, cashback reducing from £500 to £250

 

First-time buyer - 5 year fixed rate purchase

[FO15036] 80% LTV, increasing by 6bps from 3.54% to 3.60% (3.8% APRC, 3.75% SVR), £0 product fee, cashback reducing from £500 to £250

[FO15037] 85% LTV, increasing by 6bps from 3.57% to 3.63% (3.8% APRC, 3.75% SVR), £0 product fee, cashback reducing from £500 to £250

[FO15039] 90% LTV, increasing by 4bps from 3.68% to 3.72% (3.7% APRC, 3.75% SVR), £995 product fee, cashback reducing from £500 to £250

 

Shared equity scheme - 5 year fixed rate purchase

[FO15042] 75% LTV, increasing by 10bps from 3.39% to 3.49% (3.7% APRC, 3.75% SVR), £0 product fee

 

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

[FO15045] 75% LTV, increasing by 10bps from 3.39% to 3.49% (3.7% APRC, 3.75% SVR), £0 product fee

 

2 year fixed rate purchase

[FO14976] 60% LTV, increasing by 16bps from 1.19% to 1.35% (3.5% APRC, 3.75% SVR), £995 product fee, cashback reducing from £350 to £250

[FO14980] 60% LTV, increasing by 10bps from 2.25% to 2.35% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15164] 70% LTV, increasing by 8bps from 1.31% to 1.39% (3.5% APRC, 3.75% SVR), £995 product fee, cashback reducing from £350 to £250

[FO14982] 70% LTV, increasing by 10bps from 2.30% to 2.40% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15162] 75% LTV, increasing by 14bps from 1.33% to 1.47% (3.5% APRC, 3.75% SVR), £995 product fee, cashback reducing from £350 to £250

[FO14986] 75% LTV, increasing by 10bps from 2.30% to 2.40% (3.6% APRC, 3.75% SVR), £0 product fee

[FO14988] 80% LTV, increasing by 8bps from 1.43% to 1.51% (3.5% APRC, 3.75% SVR), £995 product fee, cashback reducing from £350 to £250

[FO14990] 80% LTV, increasing by 10bps from 2.79% to 2.89% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15161] 85% LTV, increasing by 15bps from 1.50% to 1.65% (3.5% APRC, 3.75% SVR), £995 product fee, cashback reducing from £350 to £250

[FO14993] 85% LTV, increasing by 10bps from 2.88% to 2.98% (3.7% APRC, 3.75% SVR), £0 product fee

[FO14994] 90% LTV, increasing by 10bps from 2.41% to 2.51% (3.7% APRC, 3.75% SVR), £995 product fee

[FO15185] 90% LTV, increasing by 10bps from 3.20% to 3.30% (3.8% APRC, 3.75% SVR), £0 product fee

[FO14996] 95% LTV, increasing by 10bps from 3.95% to 4.05% (3.9% APRC, 3.75% SVR), £0 product fee

 

5 year fixed rate purchase

[FO14997] 60% LTV, increasing by 10bps from 1.73% to 1.83% (3.2% APRC, 3.75% SVR), £995 product fee, £250 cashback

[FO15165] 60% LTV, increasing by 10bps from 3.10% to 3.20% (3.6% APRC, 3.75% SVR), £0 product fee

[FO14999] 70% LTV, increasing by 7bps from 1.95% to 2.02% (3.2% APRC, 3.75% SVR), £995 product fee, cashback reducing from £500 to £250

[FO15000] 70% LTV, increasing by 10bps from 3.18% to 3.28% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15160] 75% LTV, increasing by 7bps from 2.01% to 2.08% (3.2% APRC, 3.75% SVR), £995 product fee, cashback reducing from £500 to £250

[FO15002] 75% LTV, increasing by 10bps from 3.39% to 3.49% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15163] 80% LTV, increasing by 7bps from 2.14% to 2.21% (3.3% APRC, 3.75% SVR), £995 product fee, cashback reducing from £500 to £250

[FO15005] 80% LTV, increasing by 10bps from 3.55% to 3.65% (3.8% APRC, 3.75% SVR), £0 product fee

[FO15182] 85% LTV, increasing by 7bps from 2.40% to 2.47% (3.4% APRC, 3.75% SVR), £995 product fee, cashback reducing from £500 to £250

[FO15007] 85% LTV, increasing by 10bps from 3.58% to 3.68% (3.8% APRC, 3.75% SVR), £0 product fee

[FO15008] 90% LTV, increasing by 10bps from 2.81% to 2.91% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15009] 90% LTV, increasing by 10bps from 3.89% to 3.99% (3.9% APRC, 3.75% SVR), £0 product fee

[FO15010] 95% LTV, increasing by 10bps from 4.45% to 4.55% (4.2% APRC, 3.75% SVR), £0 product fee

 

5 year fixed rate remortgage

[FO15011] 60% LTV, increasing by 67bps from 1.92% to 2.59% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15012] 60% LTV, increasing by 50bps from 2.65% to 3.15% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15013] 70% LTV, increasing by 63bps from 2.10% to 2.73% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15014] 70% LTV, increasing by 43bps from 2.75% to 3.18% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15015] 75% LTV, increasing by 78bps from 2.10% to 2.88% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15017] 75% LTV, increasing by 64bps from 2.75% to 3.39% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15019] 80% LTV, increasing by 72bps from 2.27% to 2.98% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15021] 80% LTV, increasing by 70bps from 2.85% to 3.55% (3.8% APRC, 3.75% SVR), £0 product fee

[FO15023] 85% LTV, increasing by 90bps from 2.38% to 3.28% (3.7% APRC, 3.75% SVR), £995 product fee

[FO15024] 85% LTV, increasing by 64bps from 2.94% to 3.58% (3.7% APRC, 3.75% SVR), £0 product fee

[FO15025] 90% LTV, increasing by 40bps from 3.03% to 3.43% (3.8% APRC, 3.75% SVR), £995 product fee

[FO15026] 90% LTV, increasing by 59bps from 3.30% to 3.89% (3.9% APRC, 3.75% SVR), £0 product fee

 

Buy-to-let

RATE CHANGES

5 year fixed rate purchase

[FO15100] 60% LTV, decreasing by 9bps from 2.59% to 2.50% (3.8% APRC, 4.25% SVR), product fee £995

 

 

SEMI-EXCLUSIVE RANGE

Residential

 

WithdrawALS

2 year fixed rate purchase

[FO14716] 70% LTV, 1.24%, £995 product fee, £350 cashback

[FO14764]75% LTV, 1.24%, £995 product fee, £350 cashback

[FO14719]80% LTV, 1.34%, £995 product fee, £350 cashback

[FO14721]85% LTV, 1.45%, £995 product fee, £350 cashback

 

RATE CHANGES

First-time buyer 2 year fixed rate purchase - £750 cashback

[FO15094] 80% LTV, increasing by 30bps from 2.07% to 2.37% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15095] 85% LTV, increasing by 30bps from 2.07% to 2.37% (3.6% APRC, 3.75% SVR), £0 product fee

[FO15096] 90% LTV, increasing by 10bps from 2.69% to 2.79% (3.4% APRC, 3.75% SVR), £0 product fee

 

First-time buyer 5 year fixed rate purchase - £750 cashback

[FO15097] 80% LTV, increasing by 10bps from 2.40% to 2.50% (3.3% APRC, 3.75% SVR), £0 product fee

[FO15098] 85% LTV, increasing by 10bps from 2.52% to 2.62% (3.4% APRC, 3.75% SVR), £0 product fee

[FO15099] 90% LTV, increasing by 10bps from 3.08% to 3.18% (3.6% APRC, 3.75% SVR), £0 product fee

 

2 year fixed rate purchase

[FO15047] 60% LTV, increasing by 15bps from 1.78% to 1.93% (3.5% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15048] 70% LTV, increasing by 14bps from 1.81% to 1.95% (3.5% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15049] 75% LTV, increasing by 15bps from 1.81% to 1.96% (3.5% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15050] 80% LTV, increasing by 26bps from 2.11% to 2.37% (3.5% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15051] 85% LTV, increasing by 26bps from 2.11% to 2.37% (3.5% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15052] 90% LTV, increasing by 10bps from 1.91% to 2.01% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15053] 90% LTV, increasing by 10bps from 2.78% to 2.88% (3.7% APRC, 3.75% SVR), £0 product fee, £500 cashback

 

5 year fixed rate purchase

[FO15055] 60% LTV, increasing by 10bps from 1.73% to 1.83% (3.8% APRC, 3.75% SVR), £995 product fee, £350 cashback

[FO15056] 60% LTV, increasing by 14bps from 2.09% to 2.19% (3.2% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15060] 70% LTV, increasing by 10bps from 2.18% to 2.28% (3.2% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15061] 75% LTV, increasing by 10bps from 1.95% to 2.05% (3.2% APRC, 3.75% SVR), £995 product fee, £500 cashback

[FO15063] 75% LTV, increasing by 10bps from 2.36% to 2.46% (3.3% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15064] 80% LTV, increasing by 10bps from 2.12% to 2.22% (3.3% APRC, 3.75% SVR), £995 product fee, £500 cashback

[FO15065] 80% LTV, increasing by 10bps from 2.40% to 2.50% (3.3% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15066] 85% LTV, increasing by 10bps from 2.29% to 2.39% (3.4% APRC, 3.75% SVR), £995 product fee, £500 cashback

[FO15067] 85% LTV, increasing by 10bps from 2.55% to 2.65% (3.4% APRC, 3.75% SVR), £0 product fee, £500 cashback

[FO15068] 90% LTV, increasing by 10bps from 2.74% to 2.84% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15069] 90% LTV, increasing by 10bps from 3.08% to 3.18% (3.6% APRC, 3.75% SVR), £0 product fee, £500 cashback

 

2 year fixed rate remortgage

[FO15070] 60% LTV, increasing by 15bps from 1.15% to 1.30% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15071] 60% LTV, increasing by 24bps from 1.53% to 1.77% (3.5% APRC, 3.75% SVR), £0 product fee

[FO15072] 70% LTV, increasing by 15bps from 1.28% to 1.43% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15073] 70% LTV, increasing by 15bps from 1.62% to 1.77% (3.5% APRC, 3.75% SVR), £0 product fee

[FO15704] 75% LTV, increasing by 17bps from 1.28% to 1.45% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15075] 75% LTV, increasing by 17bps from 1.62% to 1.79% (3.5% APRC, 3.75% SVR), £0 product fee

[FO15076] 80% LTV, increasing by 15bps from 1.38% to 1.53% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15077] 80% LTV, increasing by 10bps from 1.84% to 1.94% (3.5% APRC, 3.75% SVR), £0 product fee

[FO15078] 85% LTV, increasing by 20bps from 1.45% to 1.65% (3.5% APRC, 3.75% SVR), £995 product fee

[FO15079] 85% LTV, increasing by 10bps from 1.93% to 2.03% (3.5% APRC, 3.75% SVR), £0 product fee

[FO15080] 90% LTV, increasing by 10bps from 2.09% to 2.19% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15081] 90% LTV, increasing by 10bps from 2.38% to 2.48% (3.6% APRC, 3.75% SVR), £0 product fee

 

5 year fixed rate remortgage

[FO15082] 60% LTV, increasing by 10bps from 1.75% to 1.85% (3.2% APRC, 3.75% SVR), £995 product fee

[FO15083] 60% LTV, increasing by 10bps from 1.97% to 2.07% (3.2% APRC, 3.75% SVR), £0 product fee

[FO15084] 70% LTV, increasing by 10bps from 1.92% to 2.02% (3.2% APRC, 3.75% SVR), £995 product fee

[FO15085] 70% LTV, increasing by 10bps from 2.09% to 2.19% (3.2% APRC, 3.75% SVR), £0 product fee

[FO15086] 75% LTV, increasing by 10bps from 1.98% to 2.08% (3.2% APRC, 3.75% SVR), £995 product fee

[FO15087] 75% LTV, increasing by 10bps from 2.13% to 2.23% (3.2% APRC, 3.75% SVR), £0 product fee

[FO15088] 80% LTV, increasing by 10bps from 2.09% to 2.19% (3.3% APRC, 3.75% SVR), £995 product fee

[FO15089] 80% LTV, increasing by 10bps from 2.29% to 2.39% (3.3% APRC, 3.75% SVR), £0 product fee

[FO15090] 85% LTV, increasing by 10bps from 2.29% to 2.39% (3.4% APRC, 3.75% SVR), £995 product fee

[FO15091] 85% LTV, increasing by 10bps from 2.43% to 2.53% (3.3% APRC, 3.75% SVR), £0 product fee

[FO15092] 90% LTV, increasing by 10bps from 2.79% to 2.89% (3.6% APRC, 3.75% SVR), £995 product fee

[FO15093] 90% LTV, increasing by 10bps from 3.04% to 3.14% (3.6% APRC, 3.75% SVR), £0 product fee

 

Buy-to-let

 

RATE CHANGES

 

5 year fixed rate purchase

[FO15101] 60% LTV, decreasing by 10bps from 2.43% to 2.33% (3.7% APRC, 4.25% SVR), £995 product fee

[FO15102] 70% LTV, decreasing by 10bps from 2.83% to 2.73% (3.8% APRC, 4.25% SVR), £995 product fee

[FO15103] 75% LTV, decreasing by 4bps from 2.92% to 2.88% (3.9% APRC, 4.25% SVR), £995 product fee

 

5 year fixed rate remortgage

[FO15104] 60% LTV, decreasing by 10bps from 2.38% to 2.28% (3.8% APRC, 4.25% SVR), £995 product fee

[FO15105] 60% LTV, decreasing by 4bps from 2.68% to 2.64% (3.7% APRC, 4.25% SVR), £0 product fee

[FO15106] 70% LTV, decreasing by 9bps from 2.89% to 2.80% (3.7% APRC, 4.25% SVR), £995 product fee

[FO15107] 70% LTV, decreasing by 10bps from 3.18% to 3.08% (3.9% APRC, 4.25% SVR), £0 product fee

[FO15108] 75% LTV, decreasing by 9bps from 2.89% to 2.80% (3.9% APRC, 4.25% SVR), £995 product fee

[FO15109] 75% LTV, decreasing by 9bps from 3.18% to 3.09% (3.9% APRC, 4.25% SVR), £0 product fee

 

Cashback offers:

The cashback will be paid to your customer’s solicitor on the day they draw down their mortgage

Offer can be changed/withdrawn at any time

Early repayment charges may apply

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

Overpayments:

Overpayments of up to 10% of the outstanding balance per annum are allowed during the initial deal period.

Early repayment charges:

2 year fixed rate: 2% until 28 February 2019, 1% until 29 February 2020

5 year fixed rate: 5% until 28 February 2019, 4% until 29 February 2020, 3% until 28 February 2021, 2% until 28 February 2022, 1% until 28 February 2023

Minimum loan amounts:

£25,000

 

 

Transitional arrangements

 

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Thursday 5 October 2017.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Thursday 19 October 2017.

 

Missing information process

 

Cases received before Friday 6 October 2017 with missing information will be identified by the Broker Support Team, who will contact the broker to obtain this.  If the missing information cannot be completed on the same day, the case will not qualify for the expired deal.

 

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. The only other circumstance that we will accept a paper application is if you are a Countrywide member using the MTE to submit a porting case. In both instances, you must e-mail your BDM by midday on Friday 6 October 2017. 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 10 October 2017 for your rate to be honoured:

 

NatWest Intermediary Solutions

Broker Support Team

1st Floor

6 Brindley Place

Birmingham

B1 2UU

 

Any cases that are submitted with missing information will not be upheld.

 

Any cases submitted must have all supporting documentation by Thursday 19 October 2017.

 

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.

 

Broker guides updated

Friday 29 September 2017

We have updated a number of our broker guides which can now be found on our Forms and guides page.

 

Buy-to-let guide - summarises our revised approach to assessing a buy-to-let mortgage application and our updated lending criteria. It also provides you with a ready reckoner to help you work out the rental income needed using our new Interest Covergae Ratio (ICR) of 5.5% x 135%.

 

Guide to self-employed mortgages - summarises our approach to assessing the affordability of customers who are self-employed, including high earning contractors.

 

Packaging requirements - provides a guide to all the supporting documentation you need to submit in support of an application for residential and buy-to-let business, for employed and self-employed customers.

 

Residential lending guide - a comprehensive summary of our lending policy, criteria and application process that covers sectors such as New Build, help to Buy and high LTV mortgages.

 

A switch in time - illustrates the savings customers can make by switching from an SVR to one of our 2 year fixed rate deals. There are three versions that focus on mortgage loans of £150,000, £250,000 and £400,000.

 

Acceptable income types - outlines the types of main, addtional and benefit income we will consider when assessing a customer's affordability. It also includes a list of the types of income that we cannot consider.

New ICR for buy-to-let business to be introduced from Friday 29 September

Thursday 28 September 2017

We will be implementing the new PRA requirements for buy-to-let business from Friday 29 September. At the same time, we will introduce a revised Interest Coverage Ratio (ICR) calculation of 5.5% x 135%, reduced from 5.5% x 145%. We also plan to further enhance our buy-to-let proposition in Q4 that includes increasing the maximum number of rented properties a customer can own from 4 to 10.

 

The changes being introduced from 29 September are:

 

·         New, improved buy-to-let calculator hosted on this website which will make it easier for brokers to assess customers’ affordability.

·         Revised Interest Coverage Ratio (ICR) calculation of 5.5% x 135%, reduced from 5.5% x 145%. We will continue to top-slice if there is a rental shortfall, taking into account any free personal income the applicant may have. In all cases expected rent must continue to meet a minimum rental cover calculation of 5.5% x 125%.

·         Redefining the maximum number of properties an applicant can own from ‘mortgaged’ to ‘rented’; the maximum number remains at 4.

·         New valuation service to assess rental demand and rental income for all other properties being let, with the results used to validate customer affordability.

·         To ensure customers can afford all existing mortgage commitments additional information will be required on their other properties (residential and buy-to-let) to enable a full affordability assessment to be made.

·         For portfolio landlord applications, additional information will be asked for in relation to landlords’ experience, use of letting agents and future plans to expand or reduce their portfolio.

 

The changes being made in Q4 are:

 

·         Increasing the maximum number of rented properties a landlord customer can own from 4 to 10. The total will include unencumbered properties and properties mortgaged with another lender.

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

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

Update on NatWest’s implementation of PRA requirements for buy-to-let mortgages

Thursday 7 September 2017

In preparation for the changes we are introducing to our buy-to-let proposition, we will be updating the systems that host our application forms on both our web site and the MTE on Thursday 7 September to include a number of new questions that will need to be completed. This will mean that:

 

·         for all applicants, you will need to individually provide details of each property a customer owns

·         for portfolio landlords (those owning four or more properties), additional information about their existing buy-to-let and rented properties, their landlord experience, use of letting agents and future portfolio plans

 

These new questions are mandatory and MUST be completed to progress the application. However, until we launch our new buy-to-let calculator, this information will not be taken into account when assessing an application.

 

We will be introducing our new buy-to-let calculator and revised Interest Coverage Ratio of 5.5% x 135% along with a number of other changes (see below) on Friday 29 September.  Until these changes are introduced, the current criteria will continue to be used to assess each application.

 

Here’s a summary of the changes being introduced on Friday 29 September:

 

  • New and improved buy-to-let calculator hosted on our website which will make it easier for you to assess customers’ affordability.
  • To ensure customers can afford all existing mortgage commitments we will require additional information on their other properties (residential and buy-to-let) to enable a full affordability assessment.
  • Revised Interest Coverage Ratio (ICR) calculation of 5.5% x 135%, reduced from 5.5% x 145%. We will continue to top-slice if there is a rental shortfall, taking into account any free personal income the applicant may have. In all cases, expected rent must continue to meet a minimum rental cover calculation of 5.5% x 125%.
  • Redefining the maximum number of properties an applicant can own from ‘mortgaged’ to ‘rented’ but the maximum number remains at 4.
  • New valuation service to assess rental demand and rental income for all other properties being let, with the results used to validate customer affordability.

 

We will also introduce several other enhancements to our buy-to-let proposition in Q4 that include:

 

  • Increasing the total number of rented properties a landlord customer can own from 4 to 10. The total will include unencumbered properties and properties mortgaged with another lender.
  • Increasing the maximum aggregate customer borrowing allowed from £2m to £3.5m.
  • 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.

 

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.

Rate changes to core and semi-exclusive ranges

Effective from Friday 11 August 2017

On Friday 11 August, we are introducing changes to our core and semi-exclusive ranges.

 

Core

  • Rate reductions on two residential 95% LTV deals
  • Rate reductions of between 7-156bps on many 2 and 5 year purchase and remortgage buy-to-let deals
  • Product fees reducing from £1,995 to £995 on a number of 2 and 5 year fixed rate purchase and remortgage buy-to-let deals

 

Semi-exclusives

  • Two new residential first time buyer deals
  • New 2 and 5 year fixed rate purchase and 5 year remortgage residential deals
  • Rate reductions on a number of 2 and 5 year residential purchase and remortgage deals
  • Increases and introduction of cashback on a number of 2 and five year fixed rate purchase and remortgage residential deals
  • New 2 year purchase and 5 year remortgage fixed rate buy-to-let deals
  • Withdrawal of two 2 year fixed rate buy-to-let deals
  • Rate reductions on many 2 and 5 year fixed rate purchase and remortgage deals
  • Product fee reductions on selected 5 year fixed rate buy-to-let deals

 

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 AND CASHBACK CHANGES

 

2 year fixed rate purchase

[FO14854] 95% LTV, decreasing by 38bps from 4.33% to 3.95% (3.9% APRC, 3.75% SVR), £0 product fee

 

5 year fixed rate purchase

[FO14856] 95% LTV, decreasing by 36bps from 4.81% to 4.45% (4.1% APRC, 3.75% SVR), £0 product fee

 

Buy-to-let

RATE AND PRODUCT FEE CHANGES

 

2 year fixed rate purchase

[FO14870] 60% LTV, increasing by 7bps from 1.82% to 1.89% (4.1% APRC, 4.25% SVR), product fee reducing from £1,995 to £995

[FO14872] 60% LTV, decreasing by 96bps from 3.23% to 2.27% (4.0% APRC, 4.25% SVR), £0 product fee

[FO14873] 70% LTV, decreasing by 37bps from 2.54% to 2.17% (4.1% APRC, 4.25% SVR), product fee reducing from £1,995 to £995

[FO14874] 70% LTV, decreasing by 110bps from 3.78% to 2.68% (4.1% APRC, 4.25% SVR), £0 product fee

[FO14876] 75% LTV, decreasing by 56bps from 2.73% to 2.17% (4.1% APRC, 4.25% SVR), product fee reducing from £1,995 to £995

[FO14878] 75% LTV, decreasing by 107bps from 3.84% to 2.77% (4.1% APRC, 4.25% SVR), £0 product fee

 

5 year fixed rate purchase

[FO14879] 60% LTV, decreasing by 79bps from 3.38% to 2.59% (3.8% APRC, 4.25% SVR), product fee reducing from £1,995 to £995

[FO14880] 60% LTV, decreasing by 101bps from 3.99% to 2.98% (3.8% APRC, 4.25% SVR), £0 product fee

[FO14881] 70% LTV, decreasing by 92bps from 3.79% to 2.87% (3.9% APRC, 4.25% SVR), product fee reducing from £1,995 to £995

[FO14882] 70% LTV, decreasing by 156bps from 4.64% to 3.08% (3.9% APRC, 4.25% SVR), £0 product fee

[FO14883] 75% LTV, decreasing by 89bps from 3.98% to 3.09% (4.0% APRC, 4.25% SVR), product fee reducing from £1,995 to £995

[FO14884] 75% LTV, decreasing by 153bps from 4.78% to 3.25% (3.9% APRC, 4.25% SVR), £0 product fee

 

5 year fixed rate remortgage

[FO14886] 60% LTV, decreasing by 84bps from 3.38% to 2.54% (3.8% APRC, 4.25% SVR), product fee reducing from £1,995 to £995

[FO14887] 70% LTV, decreasing by 86bps from 3.79% to 2.93% (3.9% APRC, 4.25% SVR), product fee reducing from £1,995 to £995

[FO14888] 75% LTV, decreasing by 100bps from 3.98% to 2.98% (3.9% APRC, 4.25% SVR), product fee reducing from £1,995 to £995

 

SEMI-EXCLUSIVE RANGE

 

Residential

 

NEW

First-time buyer 2 year fixed rate purchase

[FO14912] 80% LTV, 2.07% (3.5% APRC, 3.75% SVR), £0 product fee plus £750 cashback

[FO14913] 85% LTV, 2.07% (3.5% APRC, 3.75% SVR), £0 product fee plus £750 cashback

 

2 year fixed rate purchase

[FO14905] 90% LTV, 2.78% (3.7% APRC, 3.75% SVR), £0 product fee plus £500 cashback

 

5 year fixed rate purchase

[FO14906] 80% LTV, 2.40% (3.3% APRC, 3.75% SVR), £0 product fee plus £500 cashback

[FO14907] 85% LTV, 2.55% (3.3% APRC, 3.75% SVR), £0 product fee plus £500 cashback

 

5 year fixed rate remortgage

[FO14909] 80% LTV, 2.29% (3.2% APRC, 3.75% SVR), £0 product fee

[FO14910] 85% LTV, 2.43% (3.3% APRC, 3.75% SVR), £0 product fee

[FO14911] 90% LTV, 3.04% (3.5% APRC, 3.75% SVR), £0 product fee

 

RATE AND CASHBACK CHANGES

First-time buyer 5 year fixed rate purchase

[FO14914] 80% LTV, decreasing by 18bps from 2.58% to 2.40% (3.3% APRC, 3.75% SVR), £0 product fee plus cashback increasing from £500 to £750

[FO14915] 85% LTV, decreasing by 23bps from 2.75% to 2.52% (3.3% APRC, 3.75% SVR), £0 product fee plus cashback increasing from £500 to £750

[FO14916] 90% LTV, decreasing by 1bp from 3.09% to 3.08% (3.6% APRC, 3.75% SVR), £0 product fee plus cashback increasing from £500 to £750

 

2 year fixed rate purchase

[FO14904] 90% LTV, decreasing by 13bps from 2.04% to 1.91% (3.6% APRC, 3.75% SVR), £995 product fee

 

5 year fixed rate purchase

[FO14908] 90% LTV, decreasing by 71bps from 3.79% to 3.08% (3.6% APRC, 3.75% SVR), £0 product fee plus NEW cashback of £500

 

2 year fixed rate remortgage

[FO14865] 90% LTV, decreasing by 9bps from 2.18% to 2.09% (3.6% APRC, 3.75% SVR), £995 product fee

[FO14867] 90% LTV, decreasing by 20bps from 2.58% to 2.38% (3.6% APRC, 3.75% SVR), £0 product fee

 

 

Buy-to-let

 

NEW

5 year fixed rate purchase

[FO14917] 60% LTV, 2.63% (3.7% APRC, 4.25% SVR), £0 product fee

[FO14918] 75% LTV, 2.92% (3.9% APRC, 4.25% SVR), £995 product fee

 

5 year fixed rate remortgage

[FO14919] 60% LTV, 2.68% (3.7% APRC, 4.25% SVR), £0 product fee

[FO14920] 70% LTV, 3.18% (3.9% APRC, 4.25% SVR), £0 product fee

[FO14921] 75% LTV, 2.89% (3.9% APRC, 4.25% SVR), £995 product fee

[FO14922] 75% LTV, 3.18% (3.9% APRC, 4.25% SVR), £0 product fee

 

WITHDRAWALS

2 year fixed rate purchase

[FO14753] 60% LTV, 1.87% (4.0% APRC, 4.25% SVR), £995 product fee

[FO14814] 60% LTV, 2.39% (4.1% APRC, 4.25% SVR), £0 product fee

 

RATE AND PRODUCT FEE CHANGES

 

2 year fixed rate purchase

[FO14890] 70% LTV, decreasing by 10bps from 2.08% to 1.98% (4.1% APRC, 4.25% SVR), £995 product fee

[FO14891] 70% LTV, decreasing by 20bps from 2.58% to 2.38% (4.0% APRC, 4.25% SVR), £0 product fee

[FO14892] 75% LTV, decreasing by 10bps from 2.08% to 1.98% (4.0% APRC, 4.25% SVR), £995 product fee

[FO14893] 75% LTV, increasing by 1bp from 2.68% to 2.69% (4.1% APRC, 4.25% SVR), £0 product fee

 

5 year fixed rate purchase

[FO14894] 60% LTV, decreasing by 19bps from 2.62% to 2.43% (3.7% APRC, 4.25% SVR), product fee reducing from £1,995 to £995

[FO14895] 70% LTV, decreasing by 22bps from 3.05% to 2.83% (3.9% APRC, 4.25% SVR), product fee reducing from £1,995 to £995

 

2 year fixed rate remortgage

[FO14896] 60% LTV, decreasing by 14bps from 1.82% to 1.68% (4.0% APRC, 4.25% SVR), £995 product fee

[FO14897] 60% LTV, decreasing by 10bps from 2.38% to 2.28% (4.0% APRC, 4.25% SVR), £0 product fee

[FO14898] 70% LTV, decreasing by 1bp from 2.09% to 2.08% (4.1% APRC, 4.25% SVR), £995 product fee

[FO14899] 75% LTV, decreasing by 7bps from 2.15% to 2.08% (4.1% APRC, 4.25% SVR), £995 product fee

 

5 year fixed rate remortgage

[FO14900] 60% LTV, 2.38% (3.8% APRC, 4.25% SVR), product fee reducing from £1,995 to £995

[FO14901] 70% LTV, increasing by 12bps from 2.77% to 2.89% (3.9% APRC, 4.25% SVR), product fee reducing from £1,995 to £995

 

Cashback offers:

The cashback will be paid to your customer’s solicitor on the day they draw down their mortgage

Offer can be changed/withdrawn at any time

Early repayment charges may apply

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

 

Overpayments:

Overpayments of up to 10% of the outstanding balance per annum are allowed during the initial deal period.

 

Early repayment charges:

2 year fixed rate: 2% until 30 November 2018, 1% until 30 November 2019

5 year fixed rate: 5% until 30 November 2018, 4% until 30 November 2019, 3% until 30 November, 2% until 30 November 2021, 1% until 30 November 2022

 

Minimum loan amounts:

£25,000

 

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Thursday 10 August 2017.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Thursday 24 August 2017.

 

Missing information process

Cases received before Friday 11 August 2017 with missing information will be identified by the Broker Support Team, who will contact the broker to obtain this.  If the missing information cannot be completed on the same day, the case will not qualify for the expired deal.

 

If you are unable to submit an application online due to it being a porting case or there is a technical issue that cannot be resolved over the phone then, you must submit a paper-based application. You must e-mail your BDM by midday on Friday 11 August 2017. 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 15 August 2017 for your rate to be honoured:

 

NatWest Intermediary Solutions

Broker Support Team

1st Floor

6 Brindley Place

Birmingham

B1 2UU

 

Any cases that are submitted with missing information will not be upheld.

 

Any cases submitted must have all supporting documentation by Thursday 24 August 2017.

 

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.

PRA requirements for buy-to-let business to be implemented from 11 September

Wednesday 9 August 2017

We will be introducing the new PRA requirements for assessing buy-to-let mortgage applications on 11 September and will continue to offer mortgages to portfolio landlords.

 

We will also introduce several other enhancements to our buy-to-let proposition later in the year.

 

Here’s a summary of the changes being introduced from 11 September:

 

  • New and improved buy-to-let calculator hosted on our website (intermediary.natwest.com) which will make it easier for brokers to assess customers’ affordability.
  • To ensure customers can afford all existing mortgage commitments we will require additional information on their other properties (residential and buy-to-let) to enable a full affordability assessment. The same stress rate will be applied to all other mortgages as well as the current application. 
  • A new valuation service will be introduced to assess rental demand and rental income for all other properties being let, with the results used to validate customer affordability.
  • For portfolio landlord applications, additional information will be asked for in relation to landlords’ experience, use of letting agents and future plans to expand or reduce their portfolio.

Here’s a summary of the changes being made in Q4:

 

  • Increase 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 another lender.
  • Introduce a revised Interest Coverage Ratio (ICR) calculation of 5.5% x 135%, reduced from 5.5% x 145%. We will continue to top-slice if there is a rental shortfall, taking into account any free personal income the applicant may have. In all cases, expected rent must continue to meet a minimum rental cover calculation of 5.5% x 125%.
  • 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 the lender’s standard buy-to-let minimum income of £25,000.

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.

 

We will communicate clearly over the coming weeks about what changes brokers need to make and what we will be doing differently so that we can have a smooth transition come 11 September when these changes are implemented.

Changes to the assessment of mortgage applications from higher earning self-employed contractors

Effective from Monday 7 August 2017

We have introduced some changes to the way we assess mortgage applications from self-employed contractors earning more than £75,000 a year. Here’s a summary of the way we assess their income, as well as the income proofs we require from them, with the changes highlighted in bold.

 

We calculate their income as their average weekly contract income multiplied by 46, provided they can confirm evidence of:

·        their latest 3 months’ consecutive personal bank statements for their main account (not required if their main account is with NatWest or RBS)

·        where significant business expenses are identified on the application, 3 months’ consecutive bank statements (personal or business) detailing these

·        a copy of contract(s) to encompass a 12-month period, with a minimum of 6 months’ contract(s) already completed immediately preceding the date of application.

·        they have taken no more than a six week break between contracts in the 12-month period

·        the tax position is paid and up to date.

 

There is some additional information that you need to be aware of when submitting an application for a customer who meets these criteria:

·        Key as self-employed. When using our web site or the MTE to submit an application, you must key the applicant as ‘Self-employed’ NOT ‘Employed’.

·        Operating via a limited company. The applicant(s) must meet one of the following circumstances:

o   Single applicant owning 100% of the company

o   Joint application where one applicant owns 100% of the company

o   Joint application where the company is jointly owned

o   Joint application where one applicant owns 100% of the company and the other applicant is employed by the company (in this instance the employed applicant’s income should be excluded to avoid double-counting).

·        Significant business expenses not reimbursed as part of an applicant’s contract. Significant business expenses as detailed below, must be fully understood, evidenced and accounted for in the affordability calculation. Significant business expenses may be, though not limited to:

o   Car/finance loans

o   Extended travel and accommodation costs

o   Training courses

o   Professional indemnity insurance

o   Partner/spouse/employee salaries

·        Umbrella arrangements. We cannot use the high earning contractors’ criteria to consider applications from customers using an umbrella company arrangement. Under these circumstances we would consider an application under our standard self-employed policy.

Mark Bullard and Tom Southwell win at British Mortgage Awards 2017

Friday 7 July 2017

Last night, at the British Mortgage Awards (BMAs), NatWest Intermediary Solutions was honoured again by the industry, with two of our team winning awards:

 

·     Mark Bullard won the Head of Sales and National Accounts Award

·     Tom Southwell won the Telephone Relationship Manager Award

 

In addition:

 

·     Tammy Butler was a runner-up for the Newcomer Award

·     James Chutter was a runner-up for the Business Development Award (for the 2nd year running)

 

These are the only mortgage industry awards that recognise individuals. Mark and Tom join Graham Felstead, Rachel Plane, Matt Wetherell and Lisa Maddox who have previously won at the BMAs in recent years.

NatWest was the only lender to have four finalists in four different categories.

Rate changes to core and semi-exclusive ranges

Effective from Friday 7 July 2017

On Friday 7 July 2017, we are introducing changes to our core and semi-exclusive ranges.

 

Core – rate reductions on several of our 2 and 5 year fixed rate residential purchase remortgage deals and a reduction in some of the cashback amounts. New rates include a 60% LTV, £995 product fee £350 cashback deal of 1.19%.

 

Semi-exclusives – withdrawal of two cashback deals, introduction of five new deals, rate changes on several purchase and remortgage products plus changes to cashback amounts including the introduction of cashback to some deals. New rates include a 60% LTV, £995 product fee deal of 1.15% and a 90% LTV, £0 product fee first-time buyer deal of 2.69% plus £750 cashback.

 

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

 

CORE RANGE

Residential

 

RATE AND CASHBACK CHANGES

First-time buyer 2 year fixed rate purchase

[FO14714] 90% LTV, decreasing by 3bps from 2.87% to 2.84% (3.7% APRC, 3.75% SVR), £0 product fee

 

2 year fixed rate purchase

[FO14689] 60% LTV, decreasing by 23bps from 1.42% to 1.19% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14690] 70% LTV, decreasing by 12bps from 1.43% to 1.31% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14691] 75% LTV, decreasing by 12bps from 1.45% to 1.33% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14692] 80% LTV, decreasing by 15bps from 1.58% to 1.43% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14693] 85% LTV, decreasing by 17bps from 1.67% to 1.50% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14694] 90% LTV, decreasing by 5bps from 3.25% to 3.20% (3.7% APRC, 3.75% SVR), £0 product fee

[FO14695] 95% LTV, increasing by 4bps from 4.29% to 4.33% (3.9% APRC, 3.75% SVR), £0 product fee

 

5 year fixed rate purchase

[FO14696] 60% LTV, decreasing by 9bps from 1.82% to 1.73% (3.1% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £250

[FO14697] 70% LTV, decreasing by 13bps from 2.09% to 1.95% (3.2% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14698] 75% LTV, decreasing by 10bps from 2.11% to 2.01% (3.2% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14699] 80% LTV, decreasing by 12bps from 2.26% to 2.14% (3.3% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14700] 85% LTV, decreasing by 2bps from 2.42% to 2.40% (3.4% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14701] 90% LTV, decreasing by 12bps from 2.93% to 2.81% (3.5% APRC, 3.75% SVR), £995 product fee

 

5 year fixed rate remortgage

[FO14702] 60% LTV, decreasing by 67bps from 2.59% to 1.92% (3.2% APRC, 3.75% SVR), £995 product fee

[FO14703] 60% LTV, decreasing by 50bps from 3.15% to 2.65% (3.4% APRC, 3.75% SVR), £0 product fee

[FO14704] 70% LTV, decreasing by 63bps from 2.73% to 2.10% (3.3% APRC, 3.75% SVR), £995 product fee

[FO14705] 70% LTV, decreasing by 53bps from 3.18% to 2.75% (3.4% APRC, 3.75% SVR), £0 product fee

[FO14706] 75% LTV, decreasing by 78bps from 2.88% to 2.10% (3.2% APRC, 3.75% SVR), £995 product fee

[FO14707] 75% LTV, decreasing by 64bps from 3.39% to 2.75% (3.4% APRC, 3.75% SVR), £0 product fee

[FO14708] 80% LTV, decreasing by 71bps from 2.98% to 2.27% (3.3% APRC, 3.75% SVR), £995 product fee

[FO14709] 80% LTV, decreasing by 70bps from 3.55% to 2.85% (3.5% APRC, 3.75% SVR), £0 product fee

[FO14710] 85% LTV, decreasing by 90bps from 3.28% to 2.38% (3.3% APRC, 3.75% SVR), £995 product fee

[FO14711] 85% LTV, decreasing by 64bps from 3.58% to 2.94% (3.5% APRC, 3.75% SVR), £0 product fee

[FO14712] 90% LTV, decreasing by 40bps from 3.43% to 3.03% (3.6% APRC, 3.75% SVR), £995 product fee

[FO14713] 90% LTV, decreasing by 69bps from 3.89% to 3.30% (3.6% APRC, 3.75% SVR), £0 product fee

 

SEMI-EXCLUSIVE RANGE

Residential 

 

 

WITHDRAWALS

2 year fixed rate purchase

[FO14470] 60% LTV, 1.31% (3.5% APRC, 3.75% SVR), £995 product fee plus £500 cashback

 

5 year fixed rate purchase

[FO14478] 70% LTV, 2.06% (3.3% APRC, 3.75% SVR), £995 product fee plus £500 cashback

 

NEW

First-time buyer 2 year fixed rate purchase

[FO14749] 90% LTV, 2.69% (3.4% APRC, 3.75% SVR), £0 product fee plus £750 cashback

 

2 year fixed rate purchase

[FO14764] 75% LTV, 1.24% (3.5% APRC, 3.75% SVR), £995 product fee plus £350 cashback

[FO14765] 90% LTV, 2.04% (3.6% APRC, 3.75% SVR), £995 product fee

 

5 year fixed rate purchase

[FO14766] 60% LTV, 1.73% (3.5% APRC, 3.75% SVR), £995 product fee plus £350 cashback

[FO14767] 90% LTV, 3.79% (3.6% APRC, 3.75% SVR), £0 product fee

 

RATE AND CASHBACK CHANGES

First-time buyer 2 year fixed rate purchase

[FO14750] 80% LTV, decreasing by 10bps from 2.68% to 2.58% (3.4% APRC, 3.75% SVR), £0 product fee plus £500 cashback

[FO14751] 85% LTV, decreasing by 12bps from 2.87% to 2.75% (3.4% APRC, 3.75% SVR), £995 product fee plus £500 cashback

 

First-time buyer 5 year fixed rate purchase

[FO14752] 90% LTV, decreasing by 41bps from 3.50% to 3.09% (3.6% APRC, 3.75% SVR), £0 product fee plus £500 cashback

 

2 year fixed rate purchase

[FO14715] 60% LTV, decreasing by 4bps from 1.82% to 1.78% (3.5% APRC, 3.75% SVR), £0 product fee plus £500 cashback

[FO14716] 70% LTV, decreasing by 18bps from 1.42% to 1.24% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14717] 70% LTV, decreasing by 10bps from 1.91% to 1.81% (3.5% APRC, 3.75% SVR), £0 product fee plus £500 cashback

[FO14718] 75% LTV, decreasing by 10bps from 1.91% to 1.81% (3.5% APRC, 3.75% SVR), £0 product fee plus £500 cashback

[FO14719] 80% LTV, decreasing by 19bps from 1.53% to 1.34% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14720] 80% LTV, increasing by 14bps from 1.97% to 2.11% (3.5% APRC, 3.75% SVR), £0 product fee and introducing £500 cashback

[FO14721] 85% LTV, decreasing by 11bps from 1.56% to 1.45% (3.5% APRC, 3.75% SVR), £995 product fee and cashback reducing from £500 to £350

[FO14722] 85% LTV, decreasing by 1bp from 2.12% to 2.11% (3.5% APRC, 3.75% SVR), £0 product fee and introducing £500 cashback

 

5 year fixed rate purchase

[FO14723] 60% LTV, decreasing by 24bps from 2.33% to 2.09% (3.2% APRC, 3.75% SVR), £0 product fee plus 500 cashback

[FO14724] 70% LTV, decreasing by 21bps from 2.39% to 2.18% (3.3% APRC, 3.75% SVR), £0 product fee plus 500 cashback

[FO14725] 75% LTV, decreasing by 12bps from 2.07% to 1.95% (3.3% APRC, 3.75% SVR), £995 product fee plus £500 cash back

[FO14726] 75% LTV, decreasing by 5bps from 2.41% to 2.36% (3.3% APRC, 3.75% SVR), £0 product fee plus 500 cashback

[FO14727] 80% LTV, decreasing by 7bps from 2.19% to 2.12% (3.3% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14728] 85% LTV, decreasing by 4bps from 2.33% to 2.29% (3.4% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14729] 90% LTV, decreasing by 8bps from 2.82% to 2.74% (3.6% APRC, 3.75% SVR), £995 product fee

 

2 year fixed rate remortgage

[FO14730] 60% LTV, decreasing by 14bps from 1.29% to 1.15 % (3.5% APRC, 3.75% SVR), £995 product fee

[FO14731] 60% LTV, decreasing by 11bps from 1.64% to 1.53% (3.4% APRC, 3.75% SVR), £0 product fee

[FO14732] 70% LTV, decreasing by 5bps from 1.35% to 1.28% (3.5% APRC, 3.75% SVR), £995 product fee

[FO14733] 70% LTV, decreasing by 12bps from 1.74% to 1.62% (3.5% APRC, 3.75% SVR), £0 product fee

[FO14734] 75% LTV, decreasing by 7bps from 1.35% to 1.28% (3.5% APRC, 3.75% SVR), £995 product fee

[FO14735] 75% LTV, decreasing by 12bps from 1.74% to 1.62% (3.5% APRC, 3.75% SVR), £0 product fee

[FO14736] 80% LTV, decreasing by 15bps from 1.53% to 1.38% (3.5% APRC, 3.75% SVR), £995 product fee

[FO14737] 85% LTV, decreasing by 13bps from 1.58% to 1.45% (3.5% APRC, 3.75% SVR), £995 product fee

[FO14738] 85% LTV, decreasing by 16bps from 2.09% to 1.93% (3.5% APRC, 3.75% SVR). £0 product fee

[FO14739] 90% LTV, decreasing by 31bps from 2.49% to 2.18% (3.6% APRC, 3.75% SVR), £995 product fee

[FO14740] 90% LTV, decreasing by 26bps from 2.84% to 2.58% (3.6% APRC, 3.75% SVR). £0 product fee

 

5 year fixed rate remortgage

[FO14741] 60% LTV, decreasing by 9bps from 1.84% to 1.75% (3.1% APRC, 3.75% SVR), £995 product fee

[FO14742] 60% LTV, decreasing by 12bps from 2.09% to 1.97% (3.1% APRC, 3.75% SVR), £0 product fee

[FO14743] 70% LTV, decreasing by 12bps from 2.04% to 1.92% (3.2% APRC, 3.75% SVR), £995 product fee

[FO14744] 70% LTV, decreasing by 20bps from 2.29% to 2.09% (3.2% APRC, 3.75% SVR), £0 product fee

[FO14745] 75% LTV, decreasing by 6bps from 2.04% to 1.98% (3.2% APRC, 3.75% SVR), £995 product fee

[FO14746] 75% LTV, decreasing by 16bps from 2.29% to 2.13% (3.2% APRC, 3.75% SVR), £0 product fee

[FO14747] 80% LTV, decreasing by 10bps from 2.19% to 2.09% (3.2% APRC, 3.75% SVR), £995 product fee

[FO14748] 90% LTV, decreasing by 30bps from 3.09% to 2.79% (3.6% APRC, 3.75% SVR), £995 product fee

 

Cashback offers:

Offer can be changed/withdrawn at any time

Early repayment charges may apply

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

 

Overpayments:

Overpayments of up to 10% of the outstanding balance per annum are allowed during the initial deal period.

 

Early repayment charges:

2 year fixed rate: 2% until 30 November 2018, 1% until 30 November 2019

5 year fixed rate: 5% until 30 November 2018, 4% until 30 November 2019, 3% until 30 November, 2% until 30 November 2021, 1% until 30 November 2022

 

Minimum loan amounts:

£25,000

 

 

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Thursday 6 July 2017.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Thursday 20 July 2017.

 

Missing information process

Cases received before Friday 7 July 2017 with missing information will be identified by the Broker Support Team, who will contact the broker to obtain this.  If the missing information cannot be completed on the same day, the case will not qualify for the expired deal.

 

If you are unable to submit an application online due to it being a porting case or there is a technical issue that cannot be resolved over the phone then, you must submit a paper-based application. You must e-mail your BDM by midday on Friday 7 July 2017. 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 Thursday 6 July 2017 for your rate to be honoured:

 

NatWest Intermediary Solutions

Broker Support Team

1st Floor

6 Brindley Place

Birmingham

B1 2UU

 

Any cases that are submitted with missing information will not be upheld.

 

Any cases submitted must have all supporting documentation by Thursday 20 July 2017.

 

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 Intermediary Solutions wins Residential Lender of the Year at SimplyBiz Awards

Tuesday 4 July 2017

 

NatWest Intermediary Solutions won Residential Lender of the Year at the SimplyBiz Awards, that are voted for by members of the SimplyBiz mortgage club. It was also Highly Commended for Overall Lender of the Year and Luke Christodoulides was Highly Commended for National Account Manager of the Year.

NatWest Intermediary Solutions wins three awards at FT Adviser Online Service Awards

Friday 30 June 2017

NatWest Intermediary Solutions won three awards at last night's FT Adviser Online Service Awards, that are voted for by independent financial advisers and brokers:

 

  • 5 star award in the mortgage provider category
  • Most Improved Provider in the mortgage category
  • Innovation award within the mortgage category

 

NEW Acceptable Income Types sales aid and Income Convertor ready reckoner available

Wednesday 28 June 2017

We have updated our Acceptable Income Types sales aid that lists the income and benefits payments we consider and introduced a new Income Convertor ready reckoner that converts gross monthly income into net monthly and weekly income. Both are available now on the Forms and guides page on this web site.

 

NatWest Intermediary Solutions wins Best Mortgage Lender Award at the Money Marketing Awards 2017

Friday 23 June 2017

NatWest Intermediary Solutions was named as the Best Mortgage Lender at last night's Money Marketing Awards 2017 - the first time we have ever won this award.

NatWest Intermediary Solutions wins Best Lender and BDM of the Year awards at L&G Mortgage Club Awards

Friday 9 June 2017

 

NatWest Intermediary Solutions was named as Best Overall Lender and Sonia Banks won BDM of the Year at the Legal & General Mortgage Club Awards 2017.

NEW Packaging Requirements check list now available

Friday 9 June 2017

We have updated our Packaging Requirements check list that is available now in the Forms and guides page on this web site.

 

It provides you with a checklist of the key documentation that you need to submit with a mortgage application for a range of customers’ circumstances.  Please familiarise yourself with these requirements to ensure that your applications do not experience any avoidable delays.

NatWest wins Best Bank Mortgage Provider at Moneyfacts Awards 2017

Wednesday 7 June 2017

 

At the Moneyfacts Awards 2017, NatWest was named as the Winner of the Best Bank Mortgage Provider.

NatWest Intermediary Solutions was also Highly Commended  for Best Online Mortgage Provider.

 

Product extension due to Equifax outage (now resolved)

Monday 22 May 2017

 

An Equifax outage has this morning prevented submission of Agreements In Principle and Full Mortgage Applications.

 

This issue is now resolved but in view of the reduced time available to submit applications on rates being withdrawn tonight, a decision has been made to extend availability of the 11 products where rates are increasing. These will now be available until midnight Tuesday 23rd May.

 

Rate changes to core and semi-exclusive ranges

Effective from Tuesday 23 May 2017

On Tuesday 23 May 2017, we are introducing £500 cashback and making rate changes to several of our mortgage deals in our core and semi-exclusive ranges. Here’s a full summary of the changes with product codes in brackets:

 

CORE RANGE

 

Residential

 

2 year fixed rate purchase

[FO14463] 60% LTV, increasing by 1bp from 1.41% to 1.42% (3.5% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO 14465] 70% LTV, increasing by 2bps from 1.41% to 1.43% (3.5% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14466] 75% LTV, increasing by 3bps from 1.42% to 1.45% (3.5% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14467] 80% LTV, increasing by 9bps from 1.49% to 1.58% (3.5% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14468] 85% LTV, decreasing by 5bps from 1.72% to 1.67% (3.5% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14469] 95% LTV, increasing by 15bps from 4.14% to 4.29% (3.9% APRC, 3.75% SVR), £0 product fee

 

5 year fixed rate purchase

[FO14484] 60% LTV, decreasing by 30bps from 2.12% to 1.82% (3.2% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14485] 70% LTV, decreasing by 14bps from 2.23% to 2.09% (3.3% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO 14486] 75% LTV, decreasing by 12bps from 2.23% to 2.11% (3.3% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14487] 80% LTV, decreasing by 22bps from 2.48% to 2.26% (3.3% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14488] 85% LTV, decreasing by 21bps from 2.63% to 2.42% (3.3% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO 14489] 95% LTV, increasing by 16bps from 4.65% to 4.81% (4.3% APRC, 3.75% SVR), £0 product fee

 

SEMI-EXCLUSIVE RANGE

 

Residential

 

2 year fixed rate purchase

[FO14470] NEW 60% LTV, 1.31% (3.5% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14471] 60% LTV, decreasing by 1bp from 1.83% to 1.82% (3.5% APRC, 3.75% SVR), £0 product fee plus £500 cashback

[FO14472] NEW 70% LTV, 1.42% (3.5% APRC, 3.75% SVR), £995 product plus £500 cashback

[FO14473] 70% LTV, increasing by 8bps from 1.83% to 1.91% (3.5% APRC, 3.75% SVR), £0 product fee plus £500 cashback

[FO14474] 75% LTV, increasing by 7bps from 1.84% to 1.91% (3.5% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO14475] 80% LTV, increasing by 7bps from 1.46% to 1.53% (3.5% APRC, 3.75% SVR), £995 product fee plus £500 cashback

 

[FO14476] 85% LTV, 1.56% (3.5% APRC, 3.75% SVR), £995 product fee plus £500 cashback

 

5 year fixed rate purchase

[FO 14477] 60% LTV, increasing by 4bps from 2.29% to 2.33% (3.2% APRC, 3.75% SVR), new £0 product fee plus 500 cashback

[FO14478] 70% LTV, decreasing by 12bps from 2.18% to 2.06% (3.3% APRC, 3.75% SVR), £995 product fee plus 500 cashback

[FO 14479] 70% LTV, decreasing by 9bps from 2.48% to 2.39% (3.3% APRC, 3.75% SVR), £0 product fee plus £500 cashback

[FO 14480] 75% LTV, decreasing by 13bps from 2.20% to 2.07% (3.3% APRC, 3.75% SVR), £995 product fee plus £500 cashback

[FO 14481] 75% LTV, decreasing by 5bps from 2.46% to 2.41% (3.3% APRC, 3.75% SVR), £995 product fee plus £500 cashback

 [FO14482] 80% LTV, decreasing by 3bps from 2.22% to 2.19% (3.3% APRC, 3.75% SVR), £995 product fee plus £500 cashback

 [FO14483] 85% LTV, increasing by 3bps from 2.30% to 2.33% (3.4% APRC, 3.75% SVR), £995 product fee plus £500 cashback

 

2 year fixed rate remortgage

[FO14490] 60% LTV, decreasing by 15bps from 1.44% to 1.29 % (3.5% APRC, 3.75% SVR), £995 product fee

[FO14491] 60% LTV, decreasing by 15bps from 1.79% to 1.64% (3.5% APRC, 3.75% SVR), £0 product fee

[FO14492] 70% LTV, decreasing by 19bps from 1.54% to 1.35% (3.5% APRC, 3.75% SVR), £995 product fee

[FO14493] 70% LTV, decreasing by 5bps from 1.79% to 1.74% (3.5% APRC, 3.75% SVR), £0 product fee

[FO14494] 75% LTV, decreasing by 19bps from 1.54% to 1.35% (3.5% APRC, 3.75% SVR), £995 product fee

[FO14495] 75% LTV, decreasing by 5bps from 1.79% to 1.74% (3.5% APRC, 3.75% SVR), £0 product fee

[FO14496] 80% LTV, decreasing by 11bps from 1.64% to 1.53% (3.5% APRC, 3.75% SVR), £995 product fee

[FO14497] 80% LTV, decreasing by 9bps from 1.93% to 1.84% (3.5% APRC, 3.75% SVR), £0 product fee

[FO14498] 85% LTV, decreasing by 39bps from 1.97% to 1.58% (3.5% APRC, 3.75% SVR), £995 product fee

[FO14499] 85% LTV, decreasing by 29bps from 2.38% to 2.09% (3.5% APRC, 3.75% SVR). £0 product fee

 

5 year fixed rate remortgage

[FO14500] 60% LTV, decreasing by 35bps from 2.19% to 1.84% (3.2% APRC, 3.75% SVR), £995 product fee

[FO14501] 60% LTV, decreasing by 15bps from 2.24% to 2.09% (3.2% APRC, 3.75% SVR), £0 product fee

[FO14502] 70% LTV, decreasing by 19bps from 2.23% to 2.04% (3.2% APRC, 3.75% SVR ), £995 product fee

[FO14503] 70% LTV, decreasing by 5bps from 2.43% to 2.29% (3.2% APRC, 3.75% SVR), £0 product fee

[FO14504] 75% LTV, decreasing by 20bps from 2.24% to 2.04% (3.2% APRC, 3.75% SVR), £995 product fee

[FO14505] 75% LTV, decreasing by 19bps from 2.48% to 2.29% (3.2% APRC, 3.75% SVR), £0 product fee

[FO14506] 80% LTV, decreasing by 15bps from 2.34% to 2.19% (3.3% APRC, 3.75% SVR), £995 product fee

[FO14507] 85% LTV, decreasing by 25bps from 2.54% to 2.29% (3.3% APRC, 3.75% SVR), £995 product fee

 

Overpayments:

Overpayments of up to 10% of the outstanding balance per annum are allowed during the initial deal period.

 

Early repayment charges:

2 year fixed rate: 2% until 31 August 2018, 1% until 31 August l 2019

5 year fixed rate: 5% until 31 August 2018, 4% until 31 August 2019, 3% until 31 August 2020, 2% until 31 August 2021, 1% until 31 August 2022

 

Minimum loan amounts:

£25,000

 

Transitional arrangements

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Monday 22 May 2017.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Tuesday 6 June 2017.

 

Missing information process

Cases received before Tuesday 23 May 2017 with missing information will be identified by the Broker Support Team, who will contact the broker to obtain this.  If the missing information cannot be completed on the same day, the case will not qualify for the expired deal.

 

If you are unable to submit an application online due to it being a porting case or there is a technical issue that cannot be resolved over the phone then, you must submit a paper-based application. You must e-mail your BDM by midday on Tuesday 23 May 2017. 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 Thursday 25 May 2017 for your rate to be honoured:

 

NatWest Intermediary Solutions

Broker Support Team

1st Floor

6 Brindley Place

Birmingham

B1 2UU

 

Any cases that are submitted with missing information will not be upheld.

 

Any cases submitted must have all supporting documentation by Tuesday 6 June 2017.

 

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.

 

Changes to minimum income for Interest Only, New Build houses maximum LTV and LTI maximums for larger loans

Effective from Friday 12 May

Following a review of our lending policies and key market segments, we are making changes to our lending criteria in a number of areas from Friday 12 May. This includes the minimum income requirement for Interest Only mortgages, the maximum LTV for New Build houses and the loan to income maximums for larger loans.

 

Interest Only minimum income

The minimum income requirement from at least one applicant for a residential Interest Only mortgage is being reduced from £100,000 to £75,000. The usual income types, except discretionary bonuses, can be considered and will not be changing.

 

New Build houses maximum LTV

The maximum LTV for a residential mortgage on a New Build house is being increased from 80% to 85%. The maximum LTV for residential mortgages for New Build flats will remain at 75%. There are no changes to the LTV limits for buy-to-let mortgages on New Build properties.

 

Loan to income maximums

Currently, the loan to income maximum for loans of more than £500,000 is four times income. From 12 May, the loan to income maximums for loans of over £500,000 will be raised for all LTV bands up to 90% LTV, to match the current limits for loans of £500,000 or less. Please note, the maximum loan to income for loans over 90% LTV remains at four times income, reflecting our standard policy.

 

NatWest Intermediary Solutions wins more industry awards

Friday 5 May

Just Mortgages 2016 Awards

NatWest Intermediary Solutions was named as Best Overall Lender and Best Buy-to-let Lender at the Just Mortgages 2016 Awards. Just Mortgages is the mortgage and protection division of Spicer McColl Estate Agency Group and largest Appointed Representative of Openwork.

 

MAB 2017 Awards

NatWest Intermediary Solutions was named as Best Overall Lender and Best Lender Service with James Champion being named as BDM of the Year at the MAB 2017 Awards.

 

Rate changes to core and semi-exclusive ranges

Effective from Wednesday 3 May 2017

On Wednesday 3 May 2017, we are introducing some changes to rates in our core and semi-exclusive ranges. Here’s a full summary of the changes with product codes in brackets:

 

CORE RANGE

 

Residential

 

RATE CHANGE:  2 year fixed rate purchase

[FO14429] 95% LTV increasing by 5bps from 4.09% to 4.14% (APRC 3.9%, SVR 3.75%), £0 product fee

 

RATE CHANGE:  5 year fixed rate purchase

[FO14430] 85% LTV decreasing by 10bps from 2.73% to 2.63% (APRC 3.4%, SVR 3.75%), £995 product fee

[FO14431] 90% LTV decreasing by 10bps from 3.03% to 2.93% (APRC 3.6%, SVR 3.75%), £995 product fee

[FO14432] 95% LTV increasing by 6bps from 4.59% to 4.65% (APRC 4.2%, SVR 3.75%), £0 product fee

 

Buy-to-let

 

RATE CHANGE:  2 year fixed rate purchase

[FO14435] 60% LTV decreasing by 13bps from 1.95% to 1.82% (APRC 4.2%, SVR 4.25%), £1,995 product fee

 

SEMI-EXCLUSIVE RANGE

 

Residential

 

RATE CHANGE: 5 year fixed rate purchase

[FO14433] 85% LTV decreasing by 17bps from 2.47% to 2.30% (APRC 3.4%, SVR 3.75%), £995 product fee

[FO14434] 90% LTV decreasing by 17bps from 2.99% to 2.82% (APRC 3.6%, SVR 3.75%), £995 product fee

 

Buy-to-let

 

RATE CHANGE: 2 year fixed rate purchase

[FO14436] 60% LTV decreasing by 24bps from 2.08% to 1.84% (APRC 4.1%, SVR 4.25%), £995 product fee

[FO14437] 60% LTV decreasing by 26bps from 2.65% to 2.39% (APRC 4.0%, SVR 4.25%), £0 product fee

[FO14438] 70% LTV decreasing by 16bps from 2.33% to 2.17% (APRC 4.1%, SVR 4.25%), £995 product fee

[FO14439] 70% LTV decreasing by 5bps from 2.83% to 2.78% (APRC 4.1%, SVR 4.25%), £0 product fee

[FO14440] 75% LTV decreasing by 16bps from 2.33% to 2.17% (APRC 4.1%, SVR 4.25%), £995 product fee

[FO14441] 75% LTV decreasing by 15bps from 2.93% to 2.78% (APRC 4.1%, SVR 4.25%), £0 product fee

 

RATE CHANGE: 5 year fixed rate purchase

[FO14442] 60% LTV decreasing by 10bps from 2.72% to 2.62% (APRC 3.9%, SVR 4.25%), £1,995 product fee

 

RATE CHANGE: 2 year tracker purchase

[TO4005] 60% LTV decreasing by 2bps from 2.01% to 1.99% (APRC 4.1%, SVR 4.25%)(NatWest Bank Base Rate +1.74%), £995 product fee

 

RATE CHANGE: 2 year fixed rate remortgage

[FO14443] 60% LTV decreasing by 26bps from 2.08% to 1.82% (APRC 4.1%, SVR 4.25%), £995 product fee

[FO14444] 60% LTV decreasing by 27bps from 2.65% to 2.38% (APRC 4.0%, SVR 4.25%), £0 product fee

[FO14445] 70% LTV decreasing by 14bps from 2.39% to 2.25% (APRC 4.1%, SVR 4.25%), £995 product fee

[FO14446] 70% LTV decreasing by 15bps from 2.93% to 2.78% (APRC 4.1%, SVR 4.25%), £0 product fee

[FO14447] 75% LTV decreasing by 16bps from 2.49% to 2.33% (APRC 4.1%, SVR 4.25%), £995 product fee

[FO14448] 75% LTV decreasing by 22bps from 3.04% to 2.82% (APRC 4.1%, SVR 4.25%), £0 product fee

 

RATE CHANGE: 5 year fixed rate remortgage

[FO14449] 60% LTV decreasing by 9bps from 2.73% to 2.64% (APRC 4.0%, SVR 4.25%), £1,995 product fee

[FO14450] 70% LTV decreasing by 8bps from 3.05% to 2.97% (APRC 4.1%, SVR 4.25%), £1,995 product fee

 

RATE CHANGE: 2 year tracker remortgage

[TO4006] 60% LTV decreasing by 19bps from 2.16% to 1.97% (APRC 4.1%, SVR 4.25%)(NatWest Bank Base Rate +1.72%), £995 product fee

[TO4007] 70% LTV decreasing by 9bps from 2.54% to 2.45% (APRC 4.1%, SVR 4.25%)(NatWest Bank Base Rate +2.20%), £995 product fee 

 

Overpayments:

Overpayments of up to 10% of the outstanding balance per annum are allowed during the initial deal period.

 

Early repayment charges:

2 year fixed rate: 2% until 31 August 2018, 1% until 31 August 2019

5 year fixed rate: 5% until 31 August 2018, 4% until 31 August 2019, 3% until 31 August 2020, 2% until 31 August 2021, 1% until 31 August 2022

2 tracker: 1% until 31 August 2018, 0.5% until 31 August 2019

 

Minimum loan amounts:

£25,000

 

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

 

Transitional Arrangements

 

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on 2nd May 2017.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on 16 May 2017.

 

Missing Information Process

 

Cases received before 3 May 2017 with missing information will be identified by the Broker Support Team, who will contact the broker to obtain this.  If the missing information cannot be completed on the same day, the case will not qualify for the expired deal.

 

If you are unable to submit a case online due to a technical issue that cannot be resolved over the phone then you must submit a paper based application. These will only be accepted for the below reasons and you must e-mail your Business Development Manager (BDM) by midday on 3 May 2017. Requests received after this time will not be considered.

 

Your email must include in bullet point:

 

Your details (name, company and postcode)

Client name

Product to choose

Amount looking to borrow

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).

Were you trying to submit via NatWest Intermediary Solutions’ website or Mortgage Trading Exchange? 

 

Paper applications must be signed by all applicants and the original received at the following address by close of business 5 May 2017 for your rate to be honoured:

 

NatWest Intermediary Solutions

Broker Support Team

1st Floor

6 Brindley Place

Birmingham

B1 2UU

 

Any cases that are submitted with missing information will not be upheld.

 

Any cases submitted must have all supporting documentation by 16 May 2017.

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.

 
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