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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.

Take a look at our new 2 year and 5 year 

 

Help to Buy Remortgage products

 

Current processing times
Current Service Levels
New broker registrations Registrations received on Wednesday 14th November
New Business Underwriting Applications received on Friday 16th November 
Further Information Received on Friday 16th November
LiveTALK average wait time 2 minutes
Telephony average wait time 10 minutes
Average speed to offer purchase 11 days
Average speed to offer remortgage 12 days
Average speed to offer Product Transfer 2 days
Latest news

Free Valuations for Purchases: Frequently asked questions 


Thursday 15th November

 

1.       If a customer uses free valuation product and then wants to then swap to a different deal without a free valuation, will they have to pay the valuation fee to us

 

Yes a valuation fee will be payable.

 

2.       Can a client use the free valuation products on ported case?

 

Porting and not borrowing more: A valuation fee is payable

Porting and borrowing more on free valuation product: We will pay for one standard valuation report

 

3.       If the client applies for a free valuation product & the case doesn’t complete & they find another property, can the broker submit a new application for the client with another free valuation product?

 

Where a customer has already benefitted from a free valuation on a mortgage application and that purchase falls through, the broker should follow the current standard process and update us on the existing application of the new property details for which the customer will need to pay for a valuation.

 

A broker can choose to submit a new application with a free valuation but must be aware of the consequences of doing so i.e. another credit score for the customer taking into account up to date credit bureau information.

 

4.       Is a valuer still going to visit the property if it is a purchased with a free valuation?

 

Yes where a standard valuation is required, the valuer is going to visit the property. For house purchase, our current policy always requires a standard valuation

 

5.       What is the process for customers who are porting a case which was re-mortgaged to us previously and therefore had the benefit of a free valuation as per the re-mortgage process. Would they still be eligible for a free Val on porting?

 

Porting and not borrowing more: A valuation fee is payable

Porting and borrowing more on free valuation product: We will pay for one standard valuation report.

 

6.       Will we provide a copy of the valuation, for a purchase to the Broker/customer on request?

 

The process has not changed as result of introducing Free Valuation products. A copy of the valuation will be sent to the customer, broker and solicitor with the offer.

 

7.       Is there any limit in terms of the free valuation?

 

Yes.  Only properties where lower of purchase price or value is less than or equal to £2m and only the first standard valuation is fee free.

 

8.       If a customer wants to do a homebuyers report– do they just pay the difference?

 

If the customer would like either Home Buyers Report or Full Structural Survey, then they will need to pay for this in full. Its only fee free, if a standard valuation report is required.

 

 

 

 

NatWest to launch free valuations on purchase and first time buyer exclusives


Effective Friday 9th November

Tomorrow, NatWest will be introducing free valuations on Intermediary purchase and First Time Buyer exclusives. Coupled with this it is also introducing cashback on Intermediary remortgage exclusives up to 90% LTV.

 

Semi-Exclusive Range

 

Purchase

·         Free valuations introduced on Intermediary purchase and First Time Buyer exclusives.

·         2 year rate increases of up to 9bps on fee based products.

·         5 year rate increases of up to 13bps and £500 cashback on all products up to 90% LTV.

·         Rate reduction of 16bps on the 5 year 90% LTV no fee products.

·         5 year First Time Buyer (FTB) sub-85% LTV products increased by up to 8bps and £750 cashback on 90% LTV. 

 

Remortgage

·         Introduction of new fee based 2 year exclusive products at 85% and 90% LTV with £250 cashback.

·         5 year rate increases of up to 13bps and £500 cashback on all products up to 90% LTV. 

 

Buy to Let

·         Introduction of new 2 year exclusive products:

·         60-75% LTV no fee purchase and 2 year 60% LTV fee remortgage.

·         2 year rate increases of up to 20bps and decreases of up to 2bps (purchase and remortgage).

·         5 year rate increases of up to 6bps and decreases of up to 7bps (purchase and remortgage).

 

Core Range

 

Residential

 

Purchase

·         Rate reduction of 5bps on the 2 year 60% LTV fee product.

·         Rate reduction of 15bps and £250 cashback on the 2 year 95% product.

·         5 year products reduced by up to 7bps and £250 cashback applied to Shared Equity & Help to Buy Shared Equity.

 

Remortgage

·         Rate increases of up to 11bps and £250 cashback on 2 year 80% - 90% LTV fee based products.

 

Buy to Let

·         5 year rate decrease of 4bps on 70% LTV fee purchase product.

·         5 year rate decrease of up to 9bps on 70 & 75% LTV fee remortgage products with £250 cashback at 70% LTV.

 

 

------------------------------Additional Information-----------------------------

 

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:

 

New Business

 

Semi-Exclusives

 

Residential

 

NEW

 

2 year fixed rate purchase – Free valuation

 

[FO18277] 60% LTV, 1.62% (4.0% APRC, 4.24% SVR), £995 product fee, £350 cashback

[FO18278] 70% LTV, 1.69% (4.0% APRC, 4.24% SVR), £995 product fee, £350 cashback

[FO18417] 75% LTV, 1.69% (4.0% APRC, 4.24% SVR), £995 product fee, £350 cashback

[FO18281] 80% LTV, 1.74% (4.0% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18283] 85% LTV, 1.83% (4.0% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18421] 90% LTV, 2.01% (4.0% APRC, 4.24% SVR), £995 product fee, £350 cashback

 

5 year fixed rate purchase – Free valuation

 

[FO18420] 60% LTV, 1.96% (3.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18286] 60% LTV, 2.23% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18287] 70% LTV, 1.97% (3.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18288] 70% LTV, 2.28% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18289] 75% LTV, 1.97% (3.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18290] 75% LTV, 2.29% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18291] 80% LTV, 2.15% (3.6% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18293] 80% LTV, 2.48% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18295] 85% LTV, 2.22% (3.6% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18427] 85% LTV, 2.60% (3.7% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18297] 90% LTV, 2.45% (3.7% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18299] 90% LTV, 2.66% (3.7% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

2 year fixed rate remortgage – Free Valuation

 

[FO18301] 80% LTV, 1.77% (4.0% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18302] 85% LTV, 1.90% (3.4% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18303] 90% LTV, 2.06% (3.4% APRC, 4.24% SVR), £995 product fee, £250 cashback

 

5 year fixed rate remortgage - – Free Valuation

 

[FO18304] 60% LTV, 1.96% (3.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18305] 60% LTV, 2.22% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18438] 70% LTV, 1.99% (3.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18307] 70% LTV, 2.22% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18309] 75% LTV, 2.01% (3.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18444] 75% LTV, 2.25% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18311] 80% LTV, 2.18% (3.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18314] 80% LTV, 2.39% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18429] 85% LTV, 2.21% (3.6% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18433] 85% LTV, 2.49% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18432] 90% LTV, 2.40% (3.6% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18434] 90% LTV, 2.61% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

First time buyer 5 year fixed rate purchase – Free valuation

 

[FO18428] 80% LTV, 2.47% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18443] 85% LTV, 2.53% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18442] 90% LTV, 2.76% (3.7% APRC, 4.24% SVR), £0 product fee, £750 cashback

 

Buy to Let

 

2 year fixed rate purchase – Free valuation

 

[FO18328] 60% LTV, 1.88% (4.5% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18330] 60% LTV, 2.38% (4.4% APRC, 4.74% SVR), £0 product fee, £250 cashback

[FO18437] 70% LTV, 2.04% (4.5% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18333] 70% LTV, 2.63% (4.4% APRC, 4.74% SVR), £0 product fee, £250 cashback

[FO18334] 75% LTV, 2.18% (4.5% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18335] 75% LTV, 2.79% (4.5% APRC, 4.74% SVR), £0 product fee, £250 cashback

 

5 year fixed rate purchase – Free valuation

 

[FO18336] 60% LTV, 2.28% (4.0% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18337] 60% LTV, 2.50% (3.9% APRC, 4.74% SVR), £0 product fee, £250 cashback

[FO18338] 70% LTV, 2.61% (4.1% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18339] 70% LTV, 2.83% (4.1% APRC, 4.74% SVR), £0 product fee, £250 cashback

[FO18340] 75% LTV, 2.64% (4.1% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18341] 75% LTV, 2.89% (4.1% APRC, 4.74% SVR), £0 product fee, £250 cashback

 

2 year tracker purchase - Free Valuation

 

[TO4522] 60% LTV, 2.49% (4.5% APRC, 4.74% SVR), £995 product fee

[TO4523] 70% LTV, 2.90% (4.6% APRC, 4.74% SVR), £995 product fee

[TO4524] 75% LTV, 3.00% (4.7% APRC, 4.74% SVR), £995 product fee

 

 

2 year fixed rate remortgage - Free Valuation

 

[FO18343] 60% LTV, 1.78% (4.4% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18342] 60% LTV, 2.47% (4.4% APRC, 4.74% SVR), £0 product fee, £250 cashback

[FO18344] 70% LTV, 2.01% (4.4% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18345] 70% LTV, 2.59% (4.4% APRC, 4.74% SVR), £0 product fee, £250 cashback

[FO18346] 75% LTV, 2.04% (4.4% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18435] 75% LTV, 2.59% (4.4% APRC, 4.74% SVR), £0 product fee, £250 cashback

 

5 year fixed rate remortgage - Free Valuation

 

[FO18441] 60% LTV, 2.23% (3.9% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18440] 60% LTV, 2.50% (3.9% APRC, 4.74% SVR), £0 product fee, £250 cashback

[FO18352] 70% LTV, 2.60% (4.1% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18353] 70% LTV, 2.85% (4.1% APRC, 4.74% SVR), £0 product fee, £250 cashback

[FO18354] 75% LTV, 2.64% (4.1% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18439] 75% LTV, 2.88% (4.1% APRC, 4.74% SVR), £0 product fee, £250 cashback

 

CORE

 

Residential

 

NEW

 

2 year fixed rate purchase

 

[FO18193] 60% LTV, 2.40% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18192] 60% LTV, 1.49% (4.0% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18195] 70% LTV, 2.45% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18194] 70% LTV, 1.73% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18196] 75% LTV, 1.83% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18197] 75% LTV, 2.45% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18199] 80% LTV, 2.94% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18198] 80% LTV, 1.87% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18201] 85% LTV, 3.03% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18200] 85% LTV, 1.87% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18203] 90% LTV, 3.07% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18202] 90% LTV, 2.33% (4.1% APRC, 4.24% SVR), £995 product fee

[FO18204] 95% LTV, 3.20% (4.1% APRC, 4.24% SVR), £0 product fee, £250 cashback

 

5 year fixed rate purchase

 

[FO18206] 60% LTV, 3.09% (3.9% APRC, 4.24% SVR), £0 product fee

[FO18205] 60% LTV, 1.95% (3.5% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18207] 70% LTV, 1.99% (3.5% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18208] 70% LTV, 3.20% (3.9% APRC, 4.24% SVR), £0 product fee

[FO18210] 75% LTV, 3.21% (3.9% APRC, 4.24% SVR), £0 product fee

[FO18209] 75% LTV, 1.99% (3.5% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18212] 80% LTV, 3.38% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18211] 80% LTV, 2.21% (3.6% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18214] 85% LTV, 3.50% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18213] 85% LTV, 2.36% (3.6% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18216] 90% LTV, 3.57% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18215] 90% LTV, 2.68% (3.8% APRC, 4.24% SVR), £995 product fee

[FO18217] 95% LTV, 3.81% (4.2% APRC, 4.24% SVR), £0 product fee

 

2 year tracker purchase

 

[TO4504] 60% LTV, 2.09% (4.1% APRC, 4.24% SVR), £995 product fee

[TO4505] 60% LTV, 2.89% (4.1% APRC, 4.24% SVR), £0 product fee

[TO4506] 70% LTV, 2.29% (4.1% APRC, 4.24% SVR), £995 product fee

[TO4507] 70% LTV, 2.94% (4.1% APRC, 4.24% SVR), £0 product fee

[TO4509] 75% LTV, 2.98% (3.8% APRC, 4.24% SVR), £0 product fee

[TO4508] 75% LTV, 2.32% (4.2% APRC, 4.24% SVR), £995 product fee

 

 

2 year fixed rate remortgage

 

[FO18218] 80% LTV, 1.82% (4.0% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18219] 85% LTV, 1.98% (4.0% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18220] 90% LTV, 2.31% (4.0% APRC, 4.24% SVR), £995 product fee, £250 cashback

 

2 year fixed rate purchase – Shared equity

 

[FO18227] 60% LTV, 1.74% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18228] 60% LTV, 2.68% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18230] 70% LTV, 2.68% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18229] 70% LTV, 1.77% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18232] 75% LTV, 2.68% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18231] 75% LTV, 1.86% (4.0% APRC, 4.24% SVR), £995 product fee

 

5 year fixed rate purchase – Shared equity

 

[FO18233] 60% LTV, 2.05% (3.6% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18234] 60% LTV, 3.39% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18235] 70% LTV, 2.12% (3.6% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18236] 70% LTV, 3.39% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18238] 75% LTV, 3.49% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18237] 75% LTV, 2.17% (3.6% APRC, 4.24% SVR), £995 product fee, £250 cashback

 

 

2 year fixed rate purchase – Help to Buy Shared equity

 

[FO18239] 60% LTV, 1.74% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18240] 60% LTV, 2.68% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18242] 70% LTV, 2.68% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18241] 70% LTV, 1.77% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18244] 75% LTV, 2.68% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18243] 75% LTV, 1.86% (4.0% APRC, 4.24% SVR), £995 product fee

 

5 year fixed rate purchase – Help to Buy Shared equity

 

[FO18245] 60% LTV, 2.05% (3.6% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18246] 60% LTV, 3.39% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18247] 70% LTV, 2.12% (3.6% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18248] 70% LTV, 3.39% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18250] 75% LTV, 3.49% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18249] 75% LTV, 2.17% (3.6% APRC, 4.24% SVR), £995 product fee, £250 cashback

 

First time buyer 2 year fixed rate purchase

 

[FO18221] 80% LTV, 2.64% (4.0% APRC, 4.24% SVR), £0 product fee, £250 cashback

[FO18222] 85% LTV, 2.65% (4.0% APRC, 4.24% SVR), £0 product fee, £250 cashback

[FO18223] 90% LTV, 2.91% (4.1% APRC, 4.24% SVR), £0 product fee, £250 cashback

 

First time buyer 5 year fixed rate purchase

 

[FO18224] 80% LTV, 3.38% (4.0% APRC, 4.24% SVR), £0 product fee, £250 cashback

[FO18225] 85% LTV, 3.50% (4.0% APRC, 4.24% SVR), £0 product fee, £250 cashback

[FO18226] 90% LTV, 3.72% (4.1% APRC, 4.24% SVR), £0 product fee, £250 cashback

 

Buy to Let

 

2 year fixed rate purchase

 

[FO18252] 60% LTV, 2.24% (4.4% APRC, 4.74% SVR), £0 product fee

[FO18251] 60% LTV, 1.74% (4.4% APRC, 4.74% SVR), £995 product fee

[FO18254] 70% LTV, 2.56% (4.5% APRC, 4.74% SVR), £0 product fee

[FO18253] 70% LTV, 1.97% (4.5% APRC, 4.74% SVR), £995 product fee

[FO18256] 75% LTV, 2.67% (4.5% APRC, 4.74% SVR), £0 product fee

[FO18255] 75% LTV, 2.12% (4.5% APRC, 4.74% SVR), £995 product fee

 

5 year fixed rate purchase

 

[FO18258] 60% LTV, 2.77% (4.1% APRC, 4.74% SVR), £0 product fee

[FO18257] 60% LTV, 2.30% (4.0% APRC, 4.74% SVR), £995 product fee

[FO18410] 70% LTV, 2.98% (4.1% APRC, 4.74% SVR), £0 product fee

[FO18408] 70% LTV, 2.65% (4.1% APRC, 4.74% SVR), £995 product fee

[FO18436] 75% LTV, 3.07% (4.2% APRC, 4.74% SVR), £0 product fee

[FO18431] 75% LTV, 2.79% (4.2% APRC, 4.74% SVR), £995 product fee

 

2 year tracker purchase

 

[TO4510] 60% LTV, 2.38% (4.7% APRC, 4.74% SVR), £1,995 product fee

[TO4511] 60% LTV, 3.43% (4.6% APRC, 4.74% SVR), £0 product fee

[TO4512] 70% LTV, 2.90% (4.8% APRC, 4.74% SVR), £1,995 product fee

[TO4513] 70% LTV, 3.93% (4.7% APRC, 4.74% SVR), £0 product fee

[TO4514] 75% LTV, 2.94% (4.7% APRC, 4.74% SVR), £1,995 product fee

[TO4515] 75% LTV, 3.99% (4.7% APRC, 4.74% SVR), £0 product fee

 

5 year fixed rate remortgage

 

[FO18272] 70% LTV, 2.79% (4.1% APRC, 4.74% SVR), £995 product fee, £250 cashback

 

Rate Changes

 

CORE

 

Residential

 

2 year fixed rate purchase

 

[FO18192] 60% LTV, decreasing by 5bps from 1.54% to 1.49% (4.0% APRC, 4.24% SVR), £995 product fee, £250 cashback

 

Buy to Let

 

[FO18273] 75% LTV, decreasing by 9bps from 2.88% to 2.79% (4.1% APRC, 4.74% SVR), £995 product fee

 

WITHDRAWALS

 

CORE

 

Residential

 

2 year fixed rate purchase

 

[FO17747] 60% LTV, 1.54% (4.0% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO17767] 60% LTV, 2.40% (4.0% APRC, 4.24% SVR), £0 product fee

[FO17819] 70% LTV, 1.73% (4.0% APRC, 4.24% SVR), £995 product fee

[FO17783] 70% LTV, 2.45% (4.0% APRC, 4.24% SVR), £0 product fee

[FO17820] 75% LTV, 1.83% (4.0% APRC, 4.24% SVR), £0 product fee

[FO17773] 75% LTV, 2.45% (4.0% APRC, 4.24% SVR), £995 product fee

[FO17787] 80% LTV, 2.94% (4.1% APRC, 4.24% SVR), £0 product fee

[FO17821] 80% LTV, 1.87% (4.0% APRC, 4.24% SVR), £0 product fee

[FO17832] 85% LTV, 3.03% (4.1% APRC, 4.24% SVR), £995 product fee

[FO17822] 85% LTV, 1.87% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18025] 90% LTV, 2.33% (4.1% APRC, 4.24% SVR), £995 product fee

[FO18088] 90% LTV, 3.07% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18089] 95% LTV, 3.35% (4.2% APRC, 4.24% SVR), £0 product fee

 

5 year fixed rate purchase

 

[FO17883] 60% LTV, 1.95% (3.5% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO17875] 60% LTV, 3.09% (3.9% APRC, 4.24% SVR), £0 product fee

[FO18026] 70% LTV, 1.99% (3.5% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO17876] 70% LTV, 3.20% (3.9% APRC, 4.24% SVR), £0 product fee

[FO17881] 75% LTV, 3.21% (3.9% APRC, 4.24% SVR), £0 product fee

[FO18027] 75% LTV, 1.99% (3.5% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO17869] 80% LTV, 2.21% (3.6% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO17901] 80% LTV, 3.38% (4.0% APRC, 4.24% SVR), £0 product fee

[FO17870] 85% LTV, 2.36% (3.6% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO17862] 85% LTV, 3.50% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18090] 90% LTV, 3.57% (4.1% APRC, 4.24% SVR), £0 product fee

[FO17944] 90% LTV, 2.68% (3.8% APRC, 4.24% SVR), £995 product fee

[FO18091] 95% LTV, 3.81% (4.2% APRC, 4.24% SVR), £0 product fee

 

 

2 year tracker purchase

 

[TO4450] 60% LTV, 2.09% (4.1% APRC, 4.24% SVR), £995 product fee

[TO4490] 60% LTV, 2.89% (4.1% APRC, 4.24% SVR), £0 product fee

[TO4487] 70% LTV, 2.29% (4.1% APRC, 4.24% SVR), £995 product fee

[TO4451] 70% LTV, 2.94% (4.1% APRC, 4.24% SVR), £0 product fee

[TO4452] 75% LTV, 2.32% (4.1% APRC, 4.24% SVR), £995 product fee

[TO4455] 75% LTV, 2.98% (4.1% APRC, 4.24% SVR), £0 product fee

 

2 year fixed rate remortgage

 

[FO18035] 80% LTV, 1.78% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18037] 85% LTV, 1.88% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18037] 90% LTV, 2.20% (4.0% APRC, 4.24% SVR), £995 product fee

 

2 year fixed rate purchase – Shared equity

 

[FO17765] 60% LTV, 1.74% (4.0% APRC, 4.24% SVR), £995 product fee

[FO17766] 60% LTV, 2.68% (4.1% APRC, 4.24% SVR), £0 product fee

[FO17833] 70% LTV, 1.77% (4.0% APRC, 4.24% SVR), £995 product fee

[FO17834] 70% LTV, 2.68% (4.1% APRC, 4.24% SVR), £0 product fee

[FO17786] 75% LTV, 2.68% (4.1% APRC, 4.24% SVR), £0 product fee

[FO17835] 75% LTV, 1.86% (4.0% APRC, 4.24% SVR), £995 product fee

 

5 year fixed rate purchase – Shared equity

 

[FO17945] 60% LTV, 2.08% (3.6% APRC, 4.24% SVR), £995 product fee

[FO17946] 60% LTV, 3.39% (4.0% APRC, 4.24% SVR), £0 product fee

[FO17845] 70% LTV, 3.39% (4.0% APRC, 4.24% SVR), £0 product fee

[FO17947] 70% LTV, 2.19% (3.6% APRC, 4.24% SVR), £995 product fee

[FO17885] 75% LTV, 3.49% (4.0% APRC, 4.24% SVR), £0 product fee

[FO17846] 75% LTV, 2.19% (3.6% APRC, 4.24% SVR), £995 product fee

 

2 year fixed rate purchase – Help to Buy Shared equity

 

[FO17748] 60% LTV, 1.74% (4.0% APRC, 4.24% SVR), £995 product fee

[FO17749] 60% LTV, 2.68% (4.1% APRC, 4.24% SVR), £0 product fee

[FO17750] 70% LTV, 1.77% (4.0% APRC, 4.24% SVR), £995 product fee

[FO17751] 70% LTV, 2.68% (4.1% APRC, 4.24% SVR), £0 product fee

[FO17752] 75% LTV, 1.86% (4.0% APRC, 4.24% SVR), £995 product fee

[FO17785] 75% LTV, 2.68% (4.1% APRC, 4.24% SVR), £0 product fee

 

5 year fixed rate purchase – Help to Buy Shared equity

 

[FO17864] 60% LTV, 3.39% (4.0% APRC, 4.24% SVR), £0 product fee

[FO17863] 60% LTV, 2.08% (3.6% APRC, 4.24% SVR), £995 product fee

[FO17866] 70% LTV, 3.39% (4.0% APRC, 4.24% SVR), £0 product fee

[FO17865] 70% LTV, 2.19% (3.6% APRC, 4.24% SVR), £995 product fee

[FO17867] 75% LTV, 2.19% (3.6% APRC, 4.24% SVR), £995 product fee

[FO17884] 75% LTV, 3.49% (4.0% APRC, 4.24% SVR), £0 product fee

 

First time buyer 2 year fixed rate purchase

 

[FO17770] 80% LTV, 2.64% (4.0% APRC, 4.24% SVR), £0 product fee, £250 cashback

[FO17771] 85% LTV, 2.65% (4.0% APRC, 4.24% SVR), £0 product fee, £250 cashback

[FO17772] 90% LTV, 2.91% (4.1% APRC, 4.24% SVR), £0 product fee, £250 cashback

 

First time buyer 5 year fixed rate purchase

 

[FO17871] 80% LTV, 3.38% (4.0% APRC, 4.24% SVR), £0 product fee, £250 cashback

[FO17872] 85% LTV, 3.50% (4.0% APRC, 4.24% SVR), £0 product fee, £250 cashback

[FO17873] 90% LTV, 3.72% (4.1% APRC, 4.24% SVR), £0 product fee, £250 cashback

 

Buy to Let

 

2 year fixed rate purchase

 

[FO17804] 60% LTV, 1.74% (4.4% APRC, 4.74% SVR), £995 product fee

[FO17805] 60% LTV, 2.24% (4.4% APRC, 4.74% SVR), £0 product fee

[FO17806] 70% LTV, 1.97% (4.5% APRC, 4.74% SVR), £995 product fee

[FO17824] 70% LTV, 2.56% (4.5% APRC, 4.74% SVR), £0 product fee

[FO17825] 75% LTV, 2.12% (4.5% APRC, 4.74% SVR), £995 product fee

[FO17826] 75% LTV, 2.67% (4.5% APRC, 4.74% SVR), £0 product fee

 

5 year fixed rate purchase

 

[FO17931] 60% LTV, 2.30% (4.0% APRC, 4.74% SVR), £995 product fee

[FO17932] 60% LTV, 2.77% (4.1% APRC, 4.74% SVR), £0 product fee

[FO17933] 70% LTV, 2.69% (4.1% APRC, 4.74% SVR), £995 product fee

[FO17905] 70% LTV, 2.98% (4.1% APRC, 4.74% SVR), £0 product fee

[FO17906] 75% LTV, 2.79% (4.2% APRC, 4.74% SVR), £995 product fee

[FO17874] 75% LTV, 3.07% (4.2% APRC, 4.74% SVR), £0 product fee

 

2 year tracker purchase

 

[TO4474] 60% LTV, 3.43% (4.6% APRC, 4.74% SVR), £0 product fee

[TO4473] 60% LTV, 2.38% (4.7% APRC, 4.74% SVR), £1,995 product fee

[TO4460] 70% LTV, 3.93% (4.7% APRC, 4.74% SVR), £0 product fee

[TO4475] 70% LTV, 2.90% (4.8% APRC, 4.74% SVR), £1.995 product fee

[TO4477] 75% LTV, 3.99% (4.7% APRC, 4.74% SVR), £0 product fee

[TO4476] 75% LTV, 2.94% (4.7% APRC, 4.74% SVR), £1,995 product fee

 

5 year fixed rate remortgage

 

[FO17936] 70% LTV, 2.83% (4.2% APRC, 4.74% SVR), £995 product fee

 

Semi-Exclusives

 

Residential

 

2 year fixed rate purchase

 

[FO17802] 60% LTV, 1.53% (4.0% APRC, 4.24% SVR), £995 product fee, £350 cashback

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

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

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

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

[FO18113] 90% LTV, 1.93% (4.0% APRC, 4.24% SVR), £995 product fee, £350 cashback

 

5 year fixed rate purchase

 

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

[FO17903] 60% LTV, 1.89% (3.5% APRC, 4.24% SVR), £995 product fee, £350 cashback

[FO18115] 70% LTV, 2.21% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO17918] 70% LTV, 1.94% (3.5% APRC, 4.24% SVR), £995 product fee, £350 cashback

[FO18116] 75% LTV, 2.22% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO17920] 75% LTV, 1.94% (3.5% APRC, 4.24% SVR), £995 product fee, £350 cashback

[FO18063] 80% LTV, 2.08% (3.5% APRC, 4.24% SVR), £995 product fee, £350 cashback

[FO18129] 80% LTV, 2.41% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

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

[FO18131] 85% LTV, 2.53% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

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

[FO18133] 90% LTV, 2.82% (3.8% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

2 year fixed rate remortgage

 

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

 

5 year fixed rate remortgage

 

[FO17922] 60% LTV, 1.89% (3.5% APRC, 4.24% SVR), £995 product fee

[FO17923] 60% LTV, 2.09% (3.5% APRC, 4.24% SVR), £0 product fee

[FO17930] 70% LTV, 2.14% (3.5% APRC, 4.24% SVR), £0 product fee

[FO17924] 70% LTV, 1.94% (3.5% APRC, 4.24% SVR), £995 product fee

[FO18137] 75% LTV, 2.14% (3.5% APRC, 4.24% SVR), £0 product fee

[FO17925] 75% LTV, 1.94% (3.5% APRC, 4.24% SVR), £995 product fee

[FO17836] 80% LTV, 2.29% (3.5% APRC, 4.24% SVR), £0 product fee

[FO18067] 80% LTV, 2.12% (3.5% APRC, 4.24% SVR), £995 product fee

[FO17839] 85% LTV, 2.39% (3.6% APRC, 4.24% SVR), £0 product fee

[FO18138] 85% LTV, 2.14% (3.6% APRC, 4.24% SVR), £995 product fee

[FO18140] 90% LTV, 2.49% (3.6% APRC, 4.24% SVR), £0 product fee

[FO18139] 90% LTV, 2.34% (3.6% APRC, 4.24% SVR), £995 product fee

 

First time buyer 5 year fixed rate purchase

 

[FO18428] 80% LTV, 2.39% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18443] 85% LTV, 2.51% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18442] 90% LTV, 2.76% (3.7% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

Buy to Let

 

2 year fixed rate purchase

 

[FO18069] 60% LTV, 1.68% (4.4% APRC, 4.74% SVR), £995 product fee

[FO17784] 70% LTV, 1.93% (4.5% APRC, 4.74% SVR), £995 product fee

[FO18070] 75% LTV, 1.94% (4.5% APRC, 4.74% SVR), £995 product fee

 

5 year fixed rate purchase

 

[FO18071] 60% LTV, 2.16% (3.9% APRC, 4.74% SVR), £995 product fee

[FO18072] 60% LTV, 2.37% (3.9% APRC, 4.74% SVR), £0 product fee

[FO18073] 70% LTV, 2.63% (4.1% APRC, 4.74% SVR), £995 product fee

[FO18074] 70% LTV, 2.73% (4.0% APRC, 4.74% SVR), £0 product fee

[FO18075] 75% LTV, 2.63% (4.1% APRC, 4.74% SVR), £995 product fee

[FO18076] 75% LTV, 2.77% (4.0% APRC, 4.74% SVR), £0 product fee

 

2 year tracker purchase

 

[TO4456] 60% LTV, 2.49% (4.5% APRC, 4.74% SVR), £995 product fee

[TO4471] 70% LTV, 2.90% (4.6% APRC, 4.74% SVR), £995 product fee

[TO4472] 75% LTV, 3.00% (4.7% APRC, 4.74% SVR), £995 product fee

 

2 year fixed rate remortgage

 

[FO17775] 60% LTV, 2.47% (4.5% APRC, 4.74% SVR), £0 product fee

[FO18077] 70% LTV, 1.95% (4.5% APRC, 4.74% SVR), £995 product fee

[FO17777] 70% LTV, 2.53% (4.5% APRC, 4.74% SVR), £0 product fee

[FO17778] 75% LTV, 2.11% (4.5% APRC, 4.74% SVR), £995 product fee

[FO17779] 75% LTV, 2.66% (4.5% APRC, 4.74% SVR), £0 product fee

 

5 year fixed rate remortgage

 

[FO17877] 60% LTV, 2.21% (3.9% APRC, 4.74% SVR), £995 product fee

[FO18078] 60% LTV, 2.48% (3.9% APRC, 4.74% SVR), £0 product fee

[FO18080] 70% LTV, 2.81% (3.9% APRC, 4.74% SVR), £0 product fee

[FO18079] 70% LTV, 2.64% (4.1% APRC, 4.74% SVR), £995 product fee

[FO18081] 75% LTV, 2.88% (4.1% APRC, 4.74% SVR), £0 product fee

[FO17890] 75% LTV, 2.67% (4.1% APRC, 4.74% SVR), £995 product fee

 

Existing Mortgage Customers

CORE

 

Residential

 

NEW

 

2 year fixed rate purchase

 

[FO18148] 60% LTV, 2.31% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18147] 60% LTV, 1.55% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18149] 70% LTV, 1.71% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18150] 70% LTV, 2.41% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18152] 75% LTV, 2.41% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18151] 75% LTV, 1.71% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18153] 80% LTV, 1.79% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18154] 80% LTV, 2.51% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18155] 85% LTV, 1.84% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18156] 85% LTV, 2.60% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18157] 90% LTV, 2.70% (4.1% APRC, 4.24% SVR), £995 product fee

[FO18158] 90% LTV, 3.08% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18160] 100% LTV, 3.85% (4.2% APRC, 4.24% SVR), £0 product fee

[FO18459] 100% LTV, 3.60% (4.3% APRC, 4.24% SVR), £995 product fee

 

5 year fixed rate purchase

 

[FO18161] 60% LTV, 2.03% (3.5% APRC, 4.24% SVR), £995 product fee

[FO18162] 60% LTV, 2.59% (3.6% APRC, 4.24% SVR), £0 product fee

[FO18164] 70% LTV, 2.65% (3.7% APRC, 4.24% SVR), £0 product fee

[FO18163] 70% LTV, 2.23% (3.6% APRC, 4.24% SVR), £995 product fee

[FO18166] 75% LTV, 2.67% (3.7% APRC, 4.24% SVR), £0 product fee

[FO18165] 75% LTV, 2.24% (3.6% APRC, 4.24% SVR), £995 product fee

[FO18168] 80% LTV, 2.79% (3.7% APRC, 4.24% SVR), £0 product fee

[FO18167] 80% LTV, 2.38% (3.6% APRC, 4.24% SVR), £995 product fee

[FO18169] 85% LTV, 2.45% (3.7% APRC, 4.24% SVR), £995 product fee

[FO18170] 85% LTV, 3.00% (3.8% APRC, 4.24% SVR), £0 product fee

[FO18171] 90% LTV, 3.28% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18172] 90% LTV, 3.74% (4.1% APRC, 4.24% SVR), £0 product fee

 

2 year tracker purchase

 

[TO4493] 60% LTV, 2.89% (4.1% APRC, 4.24% SVR), £0 product fee

[TO4492] 60% LTV, 2.09% (4.0% APRC, 4.24% SVR), £995 product fee

[TO4495] 70% LTV, 2.94% (4.1% APRC, 4.24% SVR), £0 product fee

[TO4494] 70% LTV, 2.29% (4.1% APRC, 4.24% SVR), £995 product fee

[TO4496] 75% LTV, 2.32% (4.1% APRC, 4.24% SVR), £995 product fee

[TO4497] 75% LTV, 2.98% (4.1% APRC, 4.24% SVR), £0 product fee

 

Buy to Let

 

2 year fixed rate purchase

 

[FO18180] 60% LTV, 2.89% (4.5% APRC, 4.74% SVR), £0 product fee

[FO18179] 60% LTV, 1.98% (4.4% APRC, 4.74% SVR), £995 product fee

[FO18181] 70% LTV, 2.04% (4.4% APRC, 4.74% SVR), £995 product fee

[FO18182] 70% LTV, 3.14% (4.5% APRC, 4.74% SVR), £0 product fee

[FO18183] 75% LTV, 2.10% (4.4% APRC, 4.74% SVR), £995 product fee

[FO18184] 75% LTV, 3.19% (4.5% APRC, 4.74% SVR), £0 product fee

[FO18185] 90% LTV, 4.06% (4.7% APRC, 4.74% SVR), £0 product fee

 

5 year fixed rate purchase

 

[FO18187] 60% LTV, 3.54% (4.6% APRC, 4.74% SVR), £0 product fee

[FO18186] 60% LTV, 2.44% (4.5% APRC, 4.74% SVR), £995 product fee

[FO18188] 70% LTV, 2.83% (4.6% APRC, 4.74% SVR), £995 product fee

[FO18189] 70% LTV, 3.98% (4.7% APRC, 4.74% SVR), £0 product fee

[FO18191] 75% LTV, 4.07% (4.7% APRC, 4.74% SVR), £0 product fee

[FO18190] 75% LTV, 2.88% (4.6% APRC, 4.74% SVR), £995 product fee

 

2 year tracker purchase

 

[TO4498] 60% LTV, 2.38% (4.6% APRC, 4.74% SVR), £1,995 product fee

[TO4499] 60% LTV, 3.43% (4.6% APRC, 4.74% SVR), £0 product fee

[TO4500] 70% LTV, 2.90% (4.7% APRC, 4.74% SVR), £1,995 product fee

[TO4501] 70% LTV, 3.93% (4.7% APRC, 4.74% SVR), £0 product fee

[TO4503] 75% LTV, 3.99% (4.7% APRC, 4.74% SVR), £0 product fee

[TO4502] 75% LTV, 2.94% (4.7% APRC, 4.74% SVR), £1,995 product fee

 

WITHDRAWALS

 

CORE

 

Residential

 

2 year fixed rate purchase

 

[FO17951] 60% LTV, 2.31% (4.0% APRC, 4.24% SVR), £0 product fee

[FO17950] 60% LTV, 1.55% (3.9% APRC, 4.24% SVR), £995 product fee

[FO17952] 70% LTV, 1.71% (3.9% APRC, 4.24% SVR), £995 product fee

[FO17953] 70% LTV, 2.41% (4.0% APRC, 4.24% SVR), £0 product fee

[FO17955] 75% LTV, 2.41% (4.0% APRC, 4.24% SVR), £0 product fee

[FO17954] 75% LTV, 1.71% (3.9% APRC, 4.24% SVR), £995 product fee

[FO17956] 80% LTV, 1.79% (4.0% APRC, 4.24% SVR), £995 product fee

[FO17957] 80% LTV, 2.51% (4.0% APRC, 4.24% SVR), £0 product fee

[FO17958] 85% LTV, 1.84% (4.0% APRC, 4.24% SVR), £995 product fee

[FO17959] 85% LTV, 2.60% (4.0% APRC, 4.24% SVR), £0 product fee

[FO17796] 90% LTV, 2.70% (4.1% APRC, 4.24% SVR), £995 product fee

[FO17797] 90% LTV, 3.08% (4.1% APRC, 4.24% SVR), £0 product fee

[FO17799] 100% LTV, 3.85% (4.2% APRC, 4.24% SVR), £0 product fee

[FO17798] 100% LTV, 3.60% (4.3% APRC, 4.24% SVR), £995 product fee

 

5 year fixed rate purchase

 

[FO17969] 60% LTV, 2.03% (3.5% APRC, 4.24% SVR), £995 product fee

[FO17970] 60% LTV, 2.59% (3.6% APRC, 4.24% SVR), £0 product fee

[FO17972] 70% LTV, 2.65% (3.7% APRC, 4.24% SVR), £0 product fee

[FO17971] 70% LTV, 2.23% (3.6% APRC, 4.24% SVR), £995 product fee

[FO17974] 75% LTV, 2.67% (3.7% APRC, 4.24% SVR), £0 product fee

[FO17973] 75% LTV, 2.24% (3.6% APRC, 4.24% SVR), £995 product fee

[FO17976] 80% LTV, 2.79% (3.7% APRC, 4.24% SVR), £0 product fee

[FO17975] 80% LTV, 2.38% (3.6% APRC, 4.24% SVR), £995 product fee

[FO17977] 85% LTV, 2.45% (3.7% APRC, 4.24% SVR), £995 product fee

[FO17978] 85% LTV, 3.00% (3.8% APRC, 4.24% SVR), £0 product fee

[FO17899] 90% LTV, 3.28% (4.0% APRC, 4.24% SVR), £995 product fee

[FO17900] 90% LTV, 3.74% (4.1% APRC, 4.24% SVR), £0 product fee

 

2 year tracker purchase

 

[TO4459] 60% LTV, 2.89% (4.1% APRC, 4.24% SVR), £0 product fee

[TO4458] 60% LTV, 2.09% (4.0% APRC, 4.24% SVR), £995 product fee

[TO4462] 70% LTV, 2.94% (4.1% APRC, 4.24% SVR), £0 product fee

[TO4461] 70% LTV, 2.29% (4.1% APRC, 4.24% SVR), £995 product fee

[TO4463] 75% LTV, 2.32% (4.1% APRC, 4.24% SVR), £995 product fee

[TO4464] 75% LTV, 2.98% (4.1% APRC, 4.24% SVR), £0 product fee

 

Buy to Let

 

2 year fixed rate purchase

 

[FO17961] 60% LTV, 2.89% (4.5% APRC, 4.74% SVR), £0 product fee

[FO17960] 60% LTV, 1.98% (4.4% APRC, 4.74% SVR), £995 product fee

[FO17962] 70% LTV, 2.04% (4.4% APRC, 4.74% SVR), £995 product fee

[FO17963] 70% LTV, 3.14% (4.5% APRC, 4.74% SVR), £0 product fee

[FO17964] 75% LTV, 2.10% (4.4% APRC, 4.74% SVR), £995 product fee

[FO17965] 75% LTV, 3.19% (4.5% APRC, 4.74% SVR), £0 product fee

[FO17817] 90% LTV, 4.06% (4.7% APRC, 4.74% SVR), £0 product fee

 

5 year fixed rate purchase

 

[FO17908] 60% LTV, 3.54% (4.6% APRC, 4.74% SVR), £0 product fee

[FO17907] 60% LTV, 2.44% (4.5% APRC, 4.74% SVR), £995 product fee

[FO17909] 70% LTV, 2.83% (4.6% APRC, 4.74% SVR), £995 product fee

[FO17910] 70% LTV, 3.98% (4.7% APRC, 4.74% SVR), £0 product fee

[FO17912] 75% LTV, 4.07% (4.7% APRC, 4.74% SVR), £0 product fee

[FO17911] 75% LTV, 2.88% (4.6% APRC, 4.74% SVR), £995 product fee

 

2 year tracker purchase

 

[TO4465] 60% LTV, 2.38% (4.6% APRC, 4.74% SVR), £1,995 product fee

[TO4466] 60% LTV, 3.43% (4.6% APRC, 4.74% SVR), £0 product fee

[TO4467] 70% LTV, 2.90% (4.7% APRC, 4.74% SVR), £1,995 product fee

[TO4468] 70% LTV, 3.93% (4.7% APRC, 4.74% SVR), £0 product fee

[TO4470] 75% LTV, 3.99% (4.7% APRC, 4.74% SVR), £0 product fee

[TO4469] 75% LTV, 2.94% (4.7% APRC, 4.74% SVR), £1,995 product fee

 

End dates

 

2 Year Term End Dates Moving from 31/12/2020 to 31/03/2021

 

5 Year Term End Dates Moving from 31/12/2023 to 31/03/2024

 

 

End dates

 

2 Year Term End Dates Moving from 31/12/2020 to 31/03/2021

5 Year Term End Dates Moving from 31/12/2023 to 31/03/2024

 

Transitional arrangements

 

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Thursday 8th November 2018.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Thursday 22nd November 2018.

 

If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Friday 9th November 2018. Requests received after this time will not be considered.

 

Your email must include in bullet points:

 

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

 

Paper applications must be signed by all applicants and the original received at the following address by close of business on Tuesday 13th November 2018 for your rate to be honoured:

 

 

FREEPOST NatWest Intermediary Solutions

Mortgage Centre

Cartsdyke Avenue

Greenock

PA15 1ED

 

 

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

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

 

 

 

Improvements to our Buy to Let Calculator


Wednesday 24th October

We’re delighted to inform you of some improvements we have made to our Buy to Let proposition.

 

The changes relate to our Buy to Let calculator, which came into affect on 23rd October and are as follows:

 

·         We have reduced the minimum rental coverage ratio from 125% to 100% for customers whose total personal income is £75000 p.a. or more. (Sole income.)

 

·         Basic Rate Tax relief will be applied for BTL property finance costs when assessing affordability

 

.         We have improved our approach to how we treat residential monthly rent payments for non-home owners when assessing affordability.

 

Please remember to ensure all Buy to Let applications are checked using the calculator on our website before submitting to confirm that they meet our lending requirements.

 

 

Help to Buy Shared Equity Remortgage launch


Effective Wednesday 19th September

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

 

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

 

CORE RANGE

Residential

 

NEW

 

Help to Buy: Shared Equity Remortgage

 

2 year fixed rate remortgage – Shared equity

 

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

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

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

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

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

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

 

5 year fixed rate remortgage – Shared equity

 

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

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

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

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

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

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

 

2 year fixed rate remortgage

 

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

 

Rate changes

 

2 year fixed rate purchase

 

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

 

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

 

5 year fixed rate purchase

 

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

 

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

 

Withdrawals

 

2 year fixed rate remortgage

 

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

 

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

 

Semi-Exclusives

 

Residential

 

NEW

 

2 year fixed rate purchase

 

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

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

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

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

5 year fixed rate purchase

 

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

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

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

 

2 year fixed rate remortgage

 

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

First time buyer

 

5 year fixed rate purchase

 

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

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

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

Rate changes

 

2 year fixed rate purchase

 

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

 

5 year fixed rate purchase

 

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

 

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

 

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

 

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

 

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

 

5 year fixed rate remortgage

 

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

 

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

 

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

 

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

 

Withdrawals

 

2 year fixed rate purchase

 

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

 

5 year fixed rate purchase

 

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

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

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

 

Existing Mortgage Customers

 

There are no changes

 

End dates

 

Transitional arrangements

 

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

 

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

 

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

 

Your email must include in bullet points:

 

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

 

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

 

 

FREEPOST NatWest Intermediary Solutions

Mortgage Centre

Cartsdyke Avenue

Greenock

PA15 1ED

 

 

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

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

 

Packaging Requirements Guide updated


Thursday 9th September

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

 

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

 

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

 

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

 

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

Rate changes to core and semi-exclusive ranges


Effective Thursday 30th August

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

 

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

CORE RANGE

Residential

 

RATE CHANGES

 

2 year fixed rate purchase

 

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

 

5 year fixed rate purchase

 

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

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

 

2 year fixed rate remortgage

 

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

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

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

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

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

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

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

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

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

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

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

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

 

5 year fixed rate remortgage

 

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

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

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

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

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

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

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

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

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

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

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

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

 

2 year fixed rate remortgage – High Value

 

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

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

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

 

5 year fixed rate remortgage – High Value

 

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

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

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

 

Buy-to-let

RATE CHANGES

 

2 year fixed rate remortgage

 

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

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

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

 

5 year fixed rate remortgage

 

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

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

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

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

 

RATE CHANGES and FEE CHANGES

 

2 year fixed rate remortgage

 

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

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

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

 

Semi-Exclusives

 

Residential

 

RATE CHANGES

 

5 year fixed rate purchase

 

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

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

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

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

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

 

5 year fixed rate remortgage

 

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

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

 

WITHDRAWALS

 

2 year fixed rate remortgage

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

 

Buy-to-let

RATE CHANGES

 

2 year fixed rate remortgage

 

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

 

5 year fixed rate remortgage

 

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

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

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

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

2 year fixed rate purchase

 

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

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

 

5 year fixed rate purchase

 

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

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

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

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

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

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

 

WITHDRAWALS

 

2 year fixed rate remortgage

 

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

 

Existing Mortgage Customers

 

There are no changes

 

End dates

 

There are no changes to end dates

 

Transitional arrangements

 

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

 

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

 

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

 

Your email must include in bullet points:

 

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

 

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

 

 

FREEPOST NatWest Intermediary Solutions

Mortgage Centre

Cartsdyke Avenue

Greenock

PA15 1ED

 

 

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

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

 

NatWest launches comprehensive New Build guide

Tuesday 21st August

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

 

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

 

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

·         What we accept in regards to builders incentives.

·         Details of our offer extension process.

 

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

 

Changes to how we capture childcare costs

Tuesday 21st August

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

 

What’s changing?

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

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

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

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

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

 

When should childcare costs not be calculated?

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

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

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

 

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

Effective from Monday 20th August

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

 

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

 

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

 

NatWest Intermediary Solutions wins two industry awards

Tuesday 17th July

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

Rate changes to core and semi-exclusive ranges


Effective Thursday 5th July

 

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

 

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

CORE RANGE

Residential

 

RATE CHANGES

 

2 year fixed rate purchase

 

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

 

5 year fixed rate purchase

 

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

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

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

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

 

Buy-to-let

RATE CHANGES

 

2 year fixed rate purchase

 

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

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

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

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

 

5 year fixed rate purchase

 

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

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

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

 

Semi-Exclusives

 

Residential

 

NEW

2 year fixed rate purchase

 

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

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

 

RATE CHANGES

 

5 year fixed rate purchase

 

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

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

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

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

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

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

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

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

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

 

5 year fixed rate remortgage

 

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

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

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

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

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

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

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

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

 

Buy-to-let

Withdrawals

 

2 year fixed rate purchase

 

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

 

RATE CHANGES

 

2 year fixed rate purchase

 

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

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

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

 

5 year fixed rate purchase

 

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

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

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

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

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

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

 

2 year fixed rate remortgage

 

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

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

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

 

5 year fixed rate remortgage

 

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

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

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

 

 

End Dates

 

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

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

 

 

 

.

Transitional arrangements

 

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

 

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

 

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

 

Your email must include in bullet points:

 

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

 

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

 

 

FREEPOST NatWest Intermediary Solutions

Mortgage Centre

Cartsdyke Avenue

Greenock

PA15 1ED

 

 

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

 

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

 

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

Rate changes to core and semi-exclusive ranges


Effective Wednesday 7th June

 

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

 

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

 

CORE RANGE

Residential

 

NEW

 

2 year fixed rate purchase

 

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

 

WITHDRAWALS

 

2 year fixed rate purchase

 

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

 

RATE CHANGES

 

5 year fixed rate purchase

 

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

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

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

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

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

 

Semi-Exclusives

 

Residential

 

NEW

 

2 year fixed rate purchase

 

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

 

5 year fixed rate purchase

 

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

 

2 year fixed rate remortgage

 

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

 

WITHDRAWALS

 

5 year fixed rate purchase

 

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

 

5 year fixed rate purchase

 

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

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

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

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

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

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

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

 

5 year fixed rate remortgage

 

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

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

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

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

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

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

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

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

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

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

 

End Dates

 

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

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

 

 

Transitional arrangements

 

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

 

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

 

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

 

Your email must include in bullet points:

 

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

 

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

 

 

FREEPOST NatWest Intermediary Solutions

Mortgage Centre

Cartsdyke Avenue

Greenock

PA15 1ED

 

 

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

 

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

 

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

 

 

NatWest Intermediary Solutions wins two industry awards

Monday 4th June

 

We are delighted to have won two prestigous industry awards.

 

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

 

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