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Latest News

LiveTALK opening hours

Effective 5th August

We have been conducting an extended opening hours trial during the last three months with our LiveTALK team.

 

We’d like to inform you, as a result of the pilot, we have revised the opening hours to match broker demand.  This change will take effect from Monday 5th August 2019.

 

The revised hours are:

 

Monday, Tuesday, Thursday – 8:30 to 18:30

Wednesday – 10:00 to 18:30

Friday – 8:30 to 18:00

 

NatWest to make further rate reductions to core and semi-exclusive residential and buy to let deals

Effective 31st July

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

 

Exclusive

Residential

Rate Changes

2 year fixed rate purchase

[FO20454] 60% LTV, decreasing by 7bps from 1.37% to 1.30%, product fee £995, £250 cashback

[FO20455] 60% LTV, decreasing by 7bps from 1.91% to 1.84%, product fee £0, £350 cashback

[FO20456] 70% LTV, decreasing by 7bps from 1.47% to 1.40%, product fee £995

[FO20457] 70% LTV, decreasing by 7bps from 1.94% to 1.87%, product fee £0, £350 cashback

[FO20458] 75% LTV, decreasing by 7bps from 1.47% to 1.40%, product fee £995

[FO20459] 75% LTV, decreasing by 7bps from 2.06% to 1.99%, product fee £0, £250 cashback

[FO20460] 80% LTV, decreasing by 7bps from 1.68% to 1.61%, product fee £995, £250 cashback

[FO20461] 80% LTV, decreasing by 7bps from 2.14% to 2.07%, product fee £0, £250 cashback

[FO20462] 85% LTV, decreasing by 7bps from 1.71% to 1.64%, product fee £995, £250 cashback

[FO20463] 85% LTV, decreasing by 7bps from 2.14% to 2.07%, product fee £0, £250 cashback

 

2 year fixed rate remortgage

[FO20471] 60% LTV, decreasing by 7bps from 1.91% to 1.84%, product fee £0, £350 cashback

[FO20470] 60% LTV, decreasing by 7bps from 1.38% to 1.31%, product fee £995, £250 cashback

[FO20473] 70% LTV, decreasing by 7bps from 1.94% to 1.87%, product fee £0, £350 cashback

[FO20472] 70% LTV, decreasing by 7bps from 1.47% to 1.40%, product fee £995

[FO20474] 75% LTV, decreasing by 7bps from 1.47% to 1.40%, product fee £995

[FO20475] 75% LTV, decreasing by 7bps from 1.94% to 1.87%, product fee £0, £350 cashback

[FO20477] 80% LTV, decreasing by 7bps from 2.13% to 2.06%, product fee £0, £250 cashback

[FO20476] 80% LTV, decreasing by 7bps from 1.72% to 1.65%, product fee £995, £250 cashback

[FO20479] 85% LTV, decreasing by 7bps from 2.13% to 2.06%, product fee £0, £250 cashback

[FO20478] 85% LTV, decreasing by 7bps from 1.72% to 1.65%, product fee £995, £250 cashback

 

2 year tracker rate purchase

[TO4814] 60% LTV, decreasing by 10bps from 1.52% to 1.42%, product fee £995, £350 cashback

[TO4815] 60% LTV, decreasing by 10bps from 2.06% to 1.96%, product fee £0, £250 cashback

[TO4816] 70% LTV, decreasing by 10bps from 1.55% to 1.45%, product fee £995, £350 cashback

[TO4817] 70% LTV, decreasing by 10bps from 2.06% to 1.96%, product fee £0, £250 cashback

[TO4818] 75% LTV, decreasing by 10bps from 1.57% to 1.47%, product fee £995, £350 cashback

 

2 year tracker rate remortgage

[TO4819] 60% LTV, decreasing by 10bps from 2.34% to 2.24%, product fee £0

[TO4820] 70% LTV, decreasing by 10bps from 2.39% to 2.29%, product fee £0

[TO4821] 75% LTV, decreasing by 10bps from 2.39% to 2.29%, product fee £0

 

5 year fixed rate purchase

[FO20465] 60% LTV, decreasing by 7bps from 2.17% to 2.10%, product fee £0, £500 cashback

[FO20464] 60% LTV, decreasing by 7bps from 1.78% to 1.71%, product fee £995

[FO20466] 70% LTV, decreasing by 7bps from 1.82% to 1.75%, product fee £995

[FO20467] 75% LTV, decreasing by 7bps from 1.82% to 1.75%, product fee £995

[FO20468] 80% LTV, decreasing by 7bps from 1.98% to 1.91%, product fee £995

[FO20469] 85% LTV, decreasing by 7bps from 2.04% to 1.97%, product fee £995

 

5 year fixed rate remortgage

[FO20481] 60% LTV, decreasing by 7bps from 2.08% to 2.01%, product fee £0, £500 cashback

[FO20480] 60% LTV, decreasing by 7bps from 1.78% to 1.71%, product fee £995, £250 cashback

[FO20482] 70% LTV, decreasing by 7bps from 1.82% to 1.75%, product fee £995

[FO20483] 70% LTV, decreasing by 7bps from 2.17% to 2.10%, product fee £0, £500 cashback

[FO20485] 75% LTV, decreasing by 7bps from 2.18% to 2.11%, product fee £0, £500 cashback

[FO20484] 75% LTV, decreasing by 7bps from 1.82% to 1.75%, product fee £995

[FO20487] 80% LTV, decreasing by 7bps from 2.36% to 2.29%, product fee £0, £500 cashback

[FO20486] 80% LTV, decreasing by 7bps from 1.98% to 1.91%, product fee £995

[FO20488] 85% LTV, decreasing by 7bps from 2.05% to 1.98%, product fee £995

 

Withdrawals

2 year fixed rate remortgage

[FO19980] 80% LTV, 2.54%, product fee £0

 

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO20490] 60% LTV, decreasing by 10bps from 1.72% to 1.62%, product fee £995, £250 cashback

[FO20491] 60% LTV, decreasing by 10bps from 1.91% to 1.81%, product fee £0

[FO20493] 70% LTV, decreasing by 10bps from 2.59% to 2.49%, product fee £0, £250 cashback

[FO20492] 70% LTV, decreasing by 10bps from 1.94% to 1.84%, product fee £995, £250 cashback

[FO20494] 75% LTV, decreasing by 10bps from 1.97% to 1.87%, product fee £995, £250 cashback

[FO20495] 75% LTV, decreasing by 10bps from 2.59% to 2.49%, product fee £0, £250 cashback

 

2 year fixed rate remortgage

[FO20502] 60% LTV, decreasing by 15bps from 2.33% to 2.18%, product fee £0, £250 cashback

[FO20501] 60% LTV, decreasing by 10bps from 1.72% to 1.62%, product fee £995, £250 cashback

[FO20503] 70% LTV, decreasing by 10bps from 1.97% to 1.87%, product fee £995, £250 cashback

[FO20504] 70% LTV, decreasing by 10bps from 2.46% to 2.36%, product fee £0, £250 cashback

[FO20505] 75% LTV, decreasing by 10bps from 1.97% to 1.87%, product fee £995, £250 cashback

[FO20506] 75% LTV, decreasing by 10bps from 2.48% to 2.38%, product fee £0, £250 cashback

 

5 year fixed rate purchase

[FO20496] 60% LTV, decreasing by 10bps from 2.08% to 1.98%, product fee £995, £250 cashback

[FO20497] 60% LTV, decreasing by 10bps from 2.35% to 2.25%, product fee £0, £250 cashback

[FO20498] 70% LTV, decreasing by 10bps from 2.45% to 2.35%, product fee £995

[FO20499] 70% LTV, decreasing by 10bps from 2.72% to 2.62%, product fee £0, £250 cashback

[FO20500] 75% LTV, decreasing by 10bps from 2.51% to 2.41%, product fee £995, £250 cashback

[FO20489] 75% LTV, decreasing by 10bps from 2.79% to 2.69%, product fee £0, £250 cashback

 

5 year fixed rate remortgage

[FO20509] 60% LTV, decreasing by 10bps from 2.29% to 2.19%, product fee £0, £250 cashback

[FO20507] 60% LTV, decreasing by 10bps from 2.14% to 2.04%, product fee £995, £250 cashback

[FO20510] 70% LTV, decreasing by 10bps from 2.48% to 2.38%, product fee £995, £250 cashback

[FO20511] 70% LTV, decreasing by 10bps from 2.77% to 2.67%, product fee £0, £250 cashback

[FO20512] 75% LTV, decreasing by 10bps from 2.48% to 2.38%, product fee £995, £250 cashback

[FO20508] 75% LTV, decreasing by 10bps from 2.77% to 2.67%, product fee £0, £250 cashback

 

New Business

Core Range

Residential

Rate Changes

2 year fixed rate purchase

[FO20410] 60% LTV, decreasing by 7bps from 1.35% to 1.28%, product fee £995, £250 cashback

[FO20430] 60% LTV, decreasing by 7bps from 1.54% to 1.47%, product fee £995, £250 cashback Shared Equity

[FO20449] 60% LTV, decreasing by 7bps from 1.54% to 1.47%, product fee £995, £250 cashback Shared Equity

[FO20411] 70% LTV, decreasing by 7bps from 1.46% to 1.39%, product fee £995, £250 cashback

[FO20450] 70% LTV, decreasing by 7bps from 1.58% to 1.51%, product fee £995, £250 cashback Shared Equity

[FO20431] 70% LTV, decreasing by 7bps from 1.58% to 1.51%, product fee £995, £250 cashback Shared Equity

[FO20412] 75% LTV, decreasing by 7bps from 1.46% to 1.39%, product fee £995, £250 cashback

[FO20413] 80% LTV, decreasing by 7bps from 1.60% to 1.53%, product fee £995, £250 cashback

[FO20414] 85% LTV, decreasing by 7bps from 1.70% to 1.63%, product fee £995, £250 cashback

 

2 year fixed rate remortgage - high value

[FO20513] 60% LTV, decreasing by 7bps from 1.48% to 1.41%, product fee £995, £250 cashback

 

2 year fixed rate remortgage

[FO20420] 60% LTV, decreasing by 7bps from 1.49% to 1.42%, product fee £995, £250 cashback

[FO20421] 70% LTV, decreasing by 7bps from 1.58% to 1.51%, product fee £995, £250 cashback

 

2 year fixed rate remortgage - high value

[FO20514] 70% LTV, decreasing by 7bps from 1.57% to 1.50%, product fee £995, £250 cashback

 

2 year fixed rate remortgage

[FO20422] 75% LTV, decreasing by 7bps from 1.58% to 1.51%, product fee £995, £250 cashback

[FO20423] 80% LTV, decreasing by 7bps from 1.74% to 1.67%, product fee £995, £250 cashback

[FO20424] 85% LTV, decreasing by 7bps from 1.83% to 1.76%, product fee £995, £250 cashback

 

2 year tracker rate purchase

[TO4803] 60% LTV, decreasing by 10bps from 2.30% to 2.20%, product fee £0

[TO4802] 60% LTV, decreasing by 10bps from 1.34% to 1.24%, product fee £995, £250 cashback

[TO4805] 70% LTV, decreasing by 10bps from 2.35% to 2.25%, product fee £0

[TO4804] 70% LTV, decreasing by 10bps from 1.42% to 1.32%, product fee £995, £250 cashback

[TO4806] 75% LTV, decreasing by 10bps from 1.42% to 1.32%, product fee £995, £250 cashback

[TO4807] 75% LTV, decreasing by 10bps from 2.35% to 2.25%, product fee £0

 

2 year tracker rate remortgage

[TO4810] 60% LTV, decreasing by 10bps from 2.59% to 2.49%, product fee £0

[TO4809] 60% LTV, decreasing by 10bps from 1.43% to 1.33%, product fee £995, £250 cashback

[TO4811] 70% LTV, decreasing by 10bps from 1.49% to 1.39%, product fee £995, £250 cashback

[TO4812] 70% LTV, decreasing by 10bps from 2.69% to 2.59%, product fee £0

[TO4813] 75% LTV, decreasing by 10bps from 1.49% to 1.39%, product fee £995, £250 cashback

[TO4808] 75% LTV, decreasing by 10bps from 2.69% to 2.59%, product fee £0

 

5 year fixed rate purchase

[FO20415] 60% LTV, decreasing by 7bps from 1.79% to 1.72%, product fee £995, £250 cashback

[FO20432] 60% LTV, decreasing by 7bps from 1.92% to 1.85%, product fee £995, £250 cashback Shared Equity

[FO20451] 60% LTV, decreasing by 7bps from 1.92% to 1.85%, product fee £995, £250 cashback Shared Equity

[FO20452] 70% LTV, decreasing by 7bps from 1.92% to 1.85%, product fee £995, £250 cashback Shared Equity

[FO20433] 70% LTV, decreasing by 7bps from 1.92% to 1.85%, product fee £995, £250 cashback Shared Equity

[FO20416] 70% LTV, decreasing by 7bps from 1.88% to 1.81%, product fee £995, £250 cashback

[FO20417] 75% LTV, decreasing by 7bps from 1.88% to 1.81%, product fee £995, £250 cashback

[FO20453] 75% LTV, decreasing by 7bps from 1.93% to 1.86%, product fee £995, £250 cashback Shared Equity

[FO20434] 75% LTV, decreasing by 7bps from 1.93% to 1.86%, product fee £995, £250 cashback Shared Equity

[FO20418] 80% LTV, decreasing by 7bps from 2.04% to 1.97%, product fee £995, £250 cashback

[FO20419] 85% LTV, decreasing by 7bps from 2.05% to 1.98%, product fee £995, £250 cashback

 

5 year fixed rate remortgage

[FO20425] 60% LTV, decreasing by 7bps from 1.81% to 1.74%, product fee £995, £250 cashback

[FO20518] 60% LTV, decreasing by 7bps from 2.36% to 2.29%, product fee £995, £500 cashback Shared Equity

 

5 year fixed rate remortgage - high value

[FO20515] 60% LTV, decreasing by 7bps from 1.80% to 1.73%, product fee £995, £250 cashback

[FO20516] 70% LTV, decreasing by 7bps from 1.88% to 1.81%, product fee £995, £250 cashback

 

5 year fixed rate remortgage

[FO20426] 70% LTV, decreasing by 7bps from 1.89% to 1.82%, product fee £995, £250 cashback

[FO20519] 70% LTV, decreasing by 7bps from 2.40% to 2.33%, product fee £995, £500 cashback Shared Equity

[FO20427] 75% LTV, decreasing by 7bps from 1.89% to 1.82%, product fee £995, £250 cashback

 

5 year fixed rate remortgage - high value

[FO20517] 75% LTV, decreasing by 7bps from 1.88% to 1.81%, product fee £995, £250 cashback

 

5 year fixed rate remortgage

[FO20428] 80% LTV, decreasing by 7bps from 2.08% to 2.01%, product fee £995, £250 cashback

[FO20429] 85% LTV, decreasing by 7bps from 2.13% to 2.06%, product fee £995, £250 cashback

 

Buy To Let

Rate Changes

2 year fixed rate purchase

[FO20435] 60% LTV, decreasing by 10bps from 1.63% to 1.53%, product fee £995

[FO20436] 70% LTV, decreasing by 10bps from 1.97% to 1.87%, product fee £995

[FO20437] 75% LTV, decreasing by 10bps from 1.97% to 1.87%, product fee £995

 

2 year fixed rate remortgage

[FO20442] 60% LTV, decreasing by 10bps from 1.70% to 1.60%, product fee £995

[FO20443] 70% LTV, decreasing by 10bps from 1.95% to 1.85%, product fee £995

 

5 year fixed rate purchase

[FO20438] 60% LTV, decreasing by 10bps from 2.77% to 2.67%, product fee £0

[FO20440] 70% LTV, decreasing by 10bps from 2.98% to 2.88%, product fee £0

[FO20439] 70% LTV, decreasing by 10bps from 2.48% to 2.38%, product fee £995

[FO20441] 75% LTV, decreasing by 10bps from 2.51% to 2.41%, product fee £995

 

5 year fixed rate remortgage

[FO20445] 60% LTV, decreasing by 10bps from 3.04% to 2.94%, product fee £0

[FO20444] 60% LTV, decreasing by 10bps from 2.15% to 2.05%, product fee £995

[FO20447] 70% LTV, decreasing by 10bps from 3.48% to 3.38%, product fee £0

[FO20446] 70% LTV, decreasing by 10bps from 2.51% to 2.41%, product fee £995

[FO20448] 75% LTV, decreasing by 10bps from 3.57% to 3.47%, product fee £0

 

 

Existing Customer

Core Range

Residential

Rate Changes

2 year fixed rate switcher

[FO20377] 60% LTV, decreasing by 7bps from 1.89% to 1.82%, product fee £0

[FO20376] 60% LTV, decreasing by 7bps from 1.55% to 1.48%, product fee £995

[FO20378] 70% LTV, decreasing by 7bps from 1.64% to 1.57%, product fee £995

[FO20379] 70% LTV, decreasing by 7bps from 2.79% to 2.72%, product fee £0

[FO20381] 75% LTV, decreasing by 7bps from 2.79% to 2.72%, product fee £0

[FO20380] 75% LTV, decreasing by 7bps from 1.64% to 1.57%, product fee £995

[FO20382] 80% LTV, decreasing by 7bps from 1.75% to 1.68%, product fee £995

[FO20383] 80% LTV, decreasing by 7bps from 2.89% to 2.82%, product fee £0

[FO20385] 85% LTV, decreasing by 7bps from 2.98% to 2.91%, product fee £0

[FO20384] 85% LTV, decreasing by 7bps from 1.75% to 1.68%, product fee £995

[FO20387] 100% LTV, decreasing by 10bps from 3.85% to 3.75%, product fee £0

[FO20386] 100% LTV, decreasing by 10bps from 3.60% to 3.50%, product fee £995

 

2 year tracker rate switcher

[TO4797] 60% LTV, decreasing by 10bps from 2.89% to 2.79%, product fee £0

[TO4796] 60% LTV, decreasing by 10bps from 2.09% to 1.99%, product fee £995

[TO4798] 70% LTV, decreasing by 10bps from 2.29% to 2.19%, product fee £995

[TO4799] 70% LTV, decreasing by 10bps from 2.94% to 2.84%, product fee £0

[TO4800] 75% LTV, decreasing by 10bps from 2.32% to 2.22%, product fee £995

[TO4801] 75% LTV, decreasing by 10bps from 2.98% to 2.88%, product fee £0

 

5 year fixed rate switcher

[FO20389] 60% LTV, decreasing by 7bps from 2.14% to 2.07%, product fee £0

[FO20388] 60% LTV, decreasing by 7bps from 1.89% to 1.82%, product fee £995

[FO20390] 70% LTV, decreasing by 7bps from 1.99% to 1.92%, product fee £995

[FO20391] 70% LTV, decreasing by 7bps from 3.03% to 2.96%, product fee £0

[FO20393] 75% LTV, decreasing by 7bps from 3.05% to 2.98%, product fee £0

[FO20392] 75% LTV, decreasing by 7bps from 1.99% to 1.92%, product fee £995

[FO20395] 80% LTV, decreasing by 7bps from 3.17% to 3.10%, product fee £0

[FO20394] 80% LTV, decreasing by 7bps from 2.09% to 2.02%, product fee £995

[FO20396] 85% LTV, decreasing by 7bps from 2.20% to 2.13%, product fee £995

 

Buy To Let

Rate Changes

2 year fixed rate switcher

[FO20398] 60% LTV, decreasing by 15bps from 2.89% to 2.74%, product fee £0

[FO20397] 60% LTV, decreasing by 10bps from 1.98% to 1.88%, product fee £995

[FO20400] 70% LTV, decreasing by 10bps from 3.14% to 3.04%, product fee £0

[FO20399] 70% LTV, decreasing by 10bps from 2.04% to 1.94%, product fee £995

[FO20401] 75% LTV, decreasing by 10bps from 2.10% to 2.00%, product fee £995

[FO20402] 75% LTV, decreasing by 10bps from 3.19% to 3.09%, product fee £0

[FO20403] 90% LTV, decreasing by 10bps from 4.06% to 3.96%, product fee £0

 

5 year fixed rate switcher

[FO20405] 60% LTV, decreasing by 10bps from 3.54% to 3.44%, product fee £0

[FO20404] 60% LTV, decreasing by 10bps from 2.44% to 2.34%, product fee £995

[FO20406] 70% LTV, decreasing by 10bps from 2.83% to 2.73%, product fee £995

[FO20407] 70% LTV, decreasing by 10bps from 3.98% to 3.88%, product fee £0

[FO20408] 75% LTV, decreasing by 10bps from 2.88% to 2.78%, product fee £995

[FO20409] 75% LTV, decreasing by 10bps from 4.07% to 3.97%, product fee £0

 

 

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 Tuesday 30 July, 2019.

 

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 31 July 2019. 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 2 August 2019 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.

 

 

LiveTALK team availability Monday 22nd July

22nd July

Please be aware the LiveTALK team will be unavailable today from 14:00 – 16:15 for training purposes.

We apologise for any inconvenience this may cause.

 

For any new business questions, please refer to our A-Z of lending criteria available on our website.

 

 

NatWest to make rate reductions to core and semi-exlusive residential and buy to let deals

Effective 19th July

Tomorrow, NatWest will be introducing rate changes on selected core and semi-exclusive residential products and buy to let deals.

 

Here’s a summary of the changes:

A.      Intermediary Exclusives

·         Purchase: Rate reductions of 1-84bps on 2 & 5 year 60-85% LTV products with selected cash back changes. Launch a 2 year 75% no fee exclusive with cash back and a free valuation.  

·         Remortgage: Rate reductions of 1-55bps on 2 & 5 year 60-85% LTV products with selected cash back changes. Launch 2 year 60-75% LTV fee exclusives.  

·         BTL: Rate reduction of 3bps on 5 year 60% LTV remortgage product.

 

B.      Core Range

·         Purchase: Rate reductions of 3-5bps on 2 & 5 year 60-85% LTV fee based products.

·         Shared Equity Purchase: Rate reductions of 4-5bps on 5 year 60-75% LTV fee based products.

·         Remortgage: Rate reductions of 4-5bps on 2 & 5 year 60-85% LTV fee based products.

 

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

New Business

Semi-Exclusive

Residential

Rate Changes

2 year fixed rate purchase

[FO20327] 80% LTV, decreasing by 84bps from 2.98% to 2.14%, product fee £0, £250 cashback

[FO20328] 85% LTV, decreasing by 84bps from 2.98% to 2.14%, product fee £0, £250 cashback

 

5 year fixed rate purchase

[FO20329] 70% LTV, decreasing by 5bps from 1.87% to 1.82%, product fee £995

[FO20330] 75% LTV, decreasing by 5bps from 1.87% to 1.82%, product fee £995

[FO20331] 80% LTV, decreasing by 6bps from 2.04% to 1.98%, product fee £995

[FO20332] 85% LTV, decreasing by 1bps from 2.05% to 2.04%, product fee £995

 

5 year fixed rate remortgage

[FO20339] 60% LTV, decreasing by 5bps from 2.13% to 2.08%, product fee £0, £500 cashback

[FO20340] 70% LTV, decreasing by 5bps from 1.87% to 1.82%, product fee £995

[FO20341] 70% LTV, decreasing by 4bps from 2.21% to 2.17%, product fee £0, £500 cashback

[FO20342] 75% LTV, decreasing by 5bps from 1.87% to 1.82%, product fee £995

[FO20343] 75% LTV, decreasing by 3bps from 2.21% to 2.18%, product fee £0, £500 cashback

[FO20344] 80% LTV, decreasing by 5bps from 2.03% to 1.98%, product fee £995

[FO20345] 80% LTV, decreasing by 1bps from 2.37% to 2.36%, product fee £0, £500 cashback

 

New Products

2 year fixed rate purchase

[FO20320] 60% LTV, 1.91%, product fee £0, £350 cashback

[FO20319] 60% LTV, 1.37%, product fee £995, £250 cashback

[FO20321] 70% LTV, 1.47%, product fee £995

[FO20322] 70% LTV, 1.94%, product fee £0, £350 cashback

[FO20323] 75% LTV, 1.47%, product fee £995

[FO20324] 75% LTV, 2.06%, product fee £0, £250 cashback

 

2 year fixed rate remortgage

[FO20326] 60% LTV, 1.38%, product fee £995, £250 cashback

[FO20325] 60% LTV, 1.91%, product fee £0, £350 cashback

[FO20333] 70% LTV, 1.47%, product fee £995

[FO20375] 70% LTV, 1.94%, product fee £0, £350 cashback

[FO20336] 75% LTV, 1.94%, product fee £0, £350 cashback

[FO20335] 75% LTV, 1.47%, product fee £995

[FO20337] 80% LTV, 2.13%, product fee £0, £250 cashback

[FO20338] 85% LTV, 2.13%, product fee £0, £250 cashback

 

Withdrawals

2 year fixed rate purchase

[FO20228] 60% LTV, 1.58%, product fee £995, £350 cashback

[FO20229] 60% LTV, 1.97%, product fee £0, £250 cashback

[FO19950] 70% LTV, 1.65%, product fee £995, £350 cashback

[FO19891] 70% LTV, 2.16%, product fee £0, £250 cashback

[FO20230] 75% LTV, 1.65%, product fee £995, £350 cashback

 

2 year fixed rate remortgage

[FO19975] 60% LTV, 2.44%, product fee £0

[FO19979] 70% LTV, decreasing by 55bps from 2.49% to 1.94%, product fee £0

[FO19982] 75% LTV, 2.49%, product fee £0

[FO19981] 85% LTV, 2.54%, product fee £0

 

Buy To Let

Rate Changes

5 year fixed rate remortgage

[FO20346] 60% LTV, decreasing by 3bps from 2.17% to 2.14%, product fee £995, £250 cashback

 

Core Range

Residential

Rate Changes

2 year fixed rate purchase

[FO20303] 60% LTV, decreasing by 3bps from 1.38% to 1.35%, product fee £995, £250 cashback

[FO20304] 70% LTV, decreasing by 4bps from 1.50% to 1.46%, product fee £995, £250 cashback

[FO20305] 75% LTV, decreasing by 4bps from 1.50% to 1.46%, product fee £995, £250 cashback

 

2 year fixed rate remortgage - high value

[FO20347] 60% LTV, decreasing by 4bps from 1.52% to 1.48%, product fee £995, £250 cashback

 

2 year fixed rate remortgage

[FO20308] 60% LTV, decreasing by 4bps from 1.53% to 1.49%, product fee £995, £250 cashback

 

5 year fixed rate purchase

[FO20306] 60% LTV, decreasing by 5bps from 1.84% to 1.79%, product fee £995, £250 cashback

[FO20316] 60% LTV, decreasing by 5bps from 1.97% to 1.92%, product fee £995, £250 cashback Shared Equity

[FO20313] 60% LTV, decreasing by 5bps from 1.97% to 1.92%, product fee £995, £250 cashback Shared Equity

[FO20314] 70% LTV, decreasing by 5bps from 1.97% to 1.92%, product fee £995, £250 cashback Shared Equity

[FO20317] 70% LTV, decreasing by 5bps from 1.97% to 1.92%, product fee £995, £250 cashback Shared Equity

[FO20318] 75% LTV, decreasing by 4bps from 1.97% to 1.93%, product fee £995, £250 cashback Shared Equity

[FO20307] 75% LTV, decreasing by 4bps from 1.92% to 1.88%, product fee £995, £250 cashback

[FO20315] 75% LTV, decreasing by 4bps from 1.97% to 1.93%, product fee £995, £250 cashback Shared Equity

 

5 year fixed rate remortgage

[FO20309] 60% LTV, decreasing by 5bps from 1.86% to 1.81%, product fee £995, £250 cashback

 

5 year fixed rate remortgage - high value

[FO20348] 60% LTV, decreasing by 5bps from 1.85% to 1.80%, product fee £995, £250 cashback

 

5 year fixed rate remortgage

[FO20310] 70% LTV, decreasing by 4bps from 1.93% to 1.89%, product fee £995, £250 cashback

 

5 year fixed rate remortgage - high value

[FO20349] 70% LTV, decreasing by 4bps from 1.92% to 1.88%, product fee £995, £250 cashback

 

5 year fixed rate remortgage

[FO20311] 75% LTV, decreasing by 4bps from 1.93% to 1.89%, product fee £995, £250 cashback

 

5 year fixed rate remortgage - high value

[FO20350] 75% LTV, decreasing by 4bps from 1.92% to 1.88%, product fee £995, £250 cashback

 

5 year fixed rate remortgage

[FO20312] 80% LTV, decreasing by 5bps from 2.13% to 2.08%, product fee £995, £250 cashback

 

Existing Customer

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 Thursday 18 July, 2019.

 

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 19 July 2019. 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 23 July 2019 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.

 

NatWest to make rate reductions to core and semi-exlusive residential and buy to let deals

Effective 28th June

Tomorrow, NatWest will be introducing rate changes on selected core and semi-exclusive residential products and buy to let deals.

 

Here’s a summary of the changes:

 

A.      Intermediary Exclusives

·         Purchase: Rate reductions of 2-19bps on 2 & 5 year 60-85% LTV products.

·         Remortgage: Rate reductions of 10bps on 2 year 85% fee and 1-4bps on 5 year 60-85% LTV products.

·         BTL: Rate reductions of 2-18bps on 2 & 5 year 60-75% LTV purchase and remortgage products.

·         Shared Equity Remortgage: Rate reduction of 2bps on 5 year 60% fee based product.

 

B.      Core Range

·         Purchase: Rate reductions of 2-6bps on 2 & 5 year 60-85% LTV products.

·         Remortgage: Rate reductions of 1-5bps on 2 & 5 year 60-85% LTV products.

·         BTL: Rate reductions of 2-18bps on 2 & 5 year 60-75% LTV purchase and remortgage products.

 

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

 

New Business

 

Exclusive

Buy To Let

New Products

 

5 year fixed rate purchase

[FO20252] 70% LTV, 2.45%, product fee £995

 

Rate Changes

 

2 year fixed rate purchase

[FO20246] 60% LTV, decreasing by 7bps from 1.79% to 1.72%, product fee £995, £250 cashback

[FO20247] 60% LTV, decreasing by 18bps from 2.09% to 1.91%, product fee £0

[FO20248] 70% LTV, decreasing by 11bps from 2.05% to 1.94%, product fee £995, £250 cashback

[FO20249] 75% LTV, decreasing by 10bps from 2.07% to 1.97%, product fee £995, £250 cashback

 

2 year fixed rate remortgage

[FO20255] 60% LTV, decreasing by 6bps from 1.78% to 1.72%, product fee £995, £250 cashback

[FO20256] 70% LTV, decreasing by 5bps from 2.02% to 1.97%, product fee £995, £250 cashback

[FO20257] 70% LTV, decreasing by 2bps from 2.48% to 2.46%, product fee £0, £250 cashback

[FO20259] 75% LTV, decreasing by 8bps from 2.05% to 1.97%, product fee £995, £250 cashback

 

5 year fixed rate purchase

[FO20250] 60% LTV, decreasing by 9bps from 2.17% to 2.08%, product fee £995, £250 cashback

[FO20251] 60% LTV, decreasing by 10bps from 2.45% to 2.35%, product fee £0, £250 cashback

[FO20253] 70% LTV, decreasing by 7bps from 2.79% to 2.72%, product fee £0, £250 cashback

[FO20254] 75% LTV, decreasing by 5bps from 2.56% to 2.51%, product fee £995, £250 cashback

 

5 year fixed rate remortgage

[FO20260] 60% LTV, decreasing by 6bps from 2.23% to 2.17%, product fee £995, £250 cashback

[FO20261] 60% LTV, decreasing by 12bps from 2.41% to 2.29%, product fee £0, £250 cashback

[FO20262] 70% LTV, decreasing by 10bps from 2.58% to 2.48%, product fee £995, £250 cashback

[FO20263] 75% LTV, decreasing by 10bps from 2.58% to 2.48%, product fee £995, £250 cashback

 

Withdrawals

 

5 year fixed rate purchase

[FO20075] 70% LTV, 2.55%, product fee £995, £250 cashback

 

Residential

New Products

 

5 year fixed rate remortgage

[FO20238] 60% LTV, 1.78%, product fee £995, £250 cashback

 

Rate Changes

 

2 year fixed rate purchase

[FO20229] 60% LTV, decreasing by 19bps from 2.16% to 1.97%, product fee £0, £250 cashback

[FO20228] 60% LTV, decreasing by 4bps from 1.62% to 1.58%, product fee £995, £350 cashback

[FO20230] 75% LTV, decreasing by 2bps from 1.67% to 1.65%, product fee £995, £350 cashback

[FO20231] 85% LTV, decreasing by 3bps from 1.74% to 1.71%, product fee £995, £250 cashback

 

2 year fixed rate remortgage

[FO20237] 85% LTV, decreasing by 10bps from 1.82% to 1.72%, product fee £995, £250 cashback

 

5 year fixed rate purchase

[FO20233] 60% LTV, decreasing by 5bps from 2.22% to 2.17%, product fee £0, £500 cashback

[FO20232] 60% LTV, decreasing by 4bps from 1.82% to 1.78%, product fee £995

[FO20234] 70% LTV, decreasing by 2bps from 1.89% to 1.87%, product fee £995

[FO20235] 75% LTV, decreasing by 2bps from 1.89% to 1.87%, product fee £995

[FO20236] 85% LTV, decreasing by 2bps from 2.07% to 2.05%, product fee £995

 

5 year fixed rate remortgage

[FO20245] 60% LTV, decreasing by 2bps from 2.15% to 2.13%, product fee £995, £500 cashback Shared Equity

[FO20239] 60% LTV, decreasing by 1bps from 2.14% to 2.13%, product fee £0, £500 cashback

[FO20240] 70% LTV, decreasing by 2bps from 1.89% to 1.87%, product fee £995

[FO20241] 70% LTV, decreasing by 3bps from 2.24% to 2.21%, product fee £0, £500 cashback

[FO20243] 75% LTV, decreasing by 3bps from 2.24% to 2.21%, product fee £0, £500 cashback

[FO20242] 75% LTV, decreasing by 2bps from 1.89% to 1.87%, product fee £995

[FO20244] 80% LTV, decreasing by 4bps from 2.07% to 2.03%, product fee £995

[FO20268] 85% LTV, decreasing by 2bps from 2.07% to 2.05%, product fee £995

 

Withdrawals

 

5 year fixed rate remortgage

[FO20177] 60% LTV, 1.80%, product fee £995

 

Core Range

Residential

 

Rate Changes

 

2 year fixed rate purchase

[FO20185] 60% LTV, decreasing by 6bps from 1.44% to 1.38%, product fee £995, £250 cashback

[FO20186] 75% LTV, decreasing by 2bps from 1.52% to 1.50%, product fee £995, £250 cashback

 

2 year fixed rate remortgage

[FO20189] 70% LTV, decreasing by 1bps from 1.59% to 1.58%, product fee £995, £250 cashback

 

2 year fixed rate remortgage - high value

[FO20264] 70% LTV, decreasing by 1bps from 1.58% to 1.57%, product fee £995, £250 cashback

 

2 year fixed rate remortgage

[FO20190] 75% LTV, decreasing by 1bps from 1.59% to 1.58%, product fee £995, £250 cashback

 

5 year fixed rate purchase

[FO20187] 80% LTV, decreasing by 4bps from 2.08% to 2.04%, product fee £995, £250 cashback

[FO20188] 85% LTV, decreasing by 5bps from 2.10% to 2.05%, product fee £995, £250 cashback

 

5 year fixed rate remortgage

[FO20191] 60% LTV, decreasing by 2bps from 1.88% to 1.86%, product fee £995, £250 cashback

 

5 year fixed rate remortgage - high value

[FO20265] 60% LTV, decreasing by 2bps from 1.87% to 1.85%, product fee £995, £250 cashback

[FO20266] 70% LTV, decreasing by 2bps from 1.94% to 1.92%, product fee £995, £250 cashback

 

5 year fixed rate remortgage

[FO20193] 70% LTV, decreasing by 2bps from 1.95% to 1.93%, product fee £995, £250 cashback

 

5 year fixed rate remortgage - high value

[FO20267] 75% LTV, decreasing by 3bps from 1.95% to 1.92%, product fee £995, £250 cashback

 

5 year fixed rate remortgage

[FO20195] 75% LTV, decreasing by 3bps from 1.96% to 1.93%, product fee £995, £250 cashback

[FO20192] 85% LTV, decreasing by 5bps from 2.18% to 2.13%, product fee £995, £250 cashback

 

Buy To Let

Rate Changes

 

2 year fixed rate purchase

[FO20197] 60% LTV, decreasing by 11bps from 1.74% to 1.63%, product fee £995

[FO20198] 75% LTV, decreasing by 15bps from 2.12% to 1.97%, product fee £995

 

2 year fixed rate remortgage

[FO20225] 60% LTV, decreasing by 2bps from 1.72% to 1.70%, product fee £995

[FO20226] 70% LTV, decreasing by 18bps from 2.13% to 1.95%, product fee £995

 

5 year fixed rate purchase

[FO20223] 60% LTV, decreasing by 5bps from 2.13% to 2.08%, product fee £995

[FO20224] 70% LTV, decreasing by 2bps from 2.50% to 2.48%, product fee £995

 

5 year fixed rate remortgage

[FO20227] 60% LTV, decreasing by 6bps from 2.21% to 2.15%, product fee £995

 

Existing Customer

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 Thursday 27 June, 2019.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Thursday 11 July, 2019

 

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 28 June 2019. 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 2 July 2019 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.

 

 

LiveTALK team availability – Friday 28th June

27th June

Please be aware on Friday 28th June, LiveTALK will be available from 8am until 6pm.

 

LiveTALK team availability – Tuesday 18th June and Wednesday 19th June

18th June

Please be aware LiveTALK will be unavailable between 13:00 - 14:30 on Tuesday 18th June for staff training and all day Wednesday 19th June as we are out of the office to support our local community.

 

We apologise for any inconvenience this may cause.

 

Please refer to our website and A-Z of lending criteria for any questions. Alternatively, for any urgent cases please speak to your BDMs on their dedicated phone numbers or our processing team on: 03459 00 11 10.

 

Direct access to the NWIS New Build Support Team

6th June

We’re delighted at NatWest Intermediary Solutions to be able to roll out our New Build Service to all brokers and firms on our panel.

 

This means that you now have direct access to our BDM Support Team. Our support team are available to help you with queries on post submission cases and can be reached by emailing NewBuildSupport@rbs.co.uk

 

What can the New Build Support Team help with?

 

·         The team will provide support by managing urgent cases, assisting with valuation queries and liaising directly with internal teams to resolve any post submission issues that occur.

·         They can offer focused monthly pipeline management of your cases which are due to complete throughout the whole year. All brokers need to do is e-mail the team with any new build cases that they want to be pipeline managed with their target exchange/completions dates.

·         Dedicated Half Year & Year End exchange and completion support to ensure deadlines are not missed.

·         New build exposure – We help brokers understand what the exposure and lending limits are on New Build developments.

This support is provided in addition to services which NWIS already provide you:

 

·         Your Business Development Manager will remain your dedicated point of contact to help you place any complicated cases.

·         LiveTALK web chat for pre-submission queries - Need technical or policy help? Contact us on LiveTALK

·         Get your own case updates via our online Mortgage Application Tracker - APPLICATION TRACKER

·         Sending your packaging documents to us utilising our Scan and Upload portal.

·         The A-Z of lending criteria on our website - A-Z of lending criteria

 

Improvements in criteria, service and products

 

All of the above is underpinned by the great strides we have made to improve our New Build proposition:

 

·         We’ve recently made some changes across our Help to Buy Shared Equity range which includes reductions of up to 27bps and 20bps on our 2 and 5 year deals respectively, as well as introducing £250 cashback on selected products.

·         The Scan and Upload portal means brokers no longer need to certify every document they provide.

·         We have made the mortgage reference number available immediately if you submit an application through our website.

·         6 month offer extension – We were delighted earlier last year to launch our New Build offer extension facility, which means that customers could have a total offer period of up to 12 months.

·         Day one valuation instruction

·         E-mailing offers.

·         Builders incentives -  We allow up to 5% builders incentives and this can be as cash or go towards legal fees, valuations etc.

·         Armed Forces – We allow the Armed Forces Help-to-Buy scheme to be part of the deposit and offer consent to let at day one.

·         New Build Guide – Please utilise our excellent New Build Guide, which has recently been updated and can be found in our forms and guides page here

·         Speed to offer - we are geared to meet the required speed to offer for 28-day exchange deadlines and it’s possible under some circumstances to do this in just 7 working days to meet New Build deadlines.

·         Help to Buy Remortgage range - All of our products have £500 cashback, free standard legals and free valuations.

 

Offer extension guidance

Please be mindful when submitting the offer extension request that we can only accept one request per application. If you submit the request too early the customer will not benefit from up to 6 months extra on their mortgage offer. Where an extension is granted the new offer will be valid for 6 months from the point of agreement, not at the end of the original 6 months offer period.

 

We would also offer caution in requesting an extension within the final 3 weeks of the original offer, to ensure the original offer does not expire before the outcome of the extension request is known.

 

NatWest to make rate changes to core and semi-exclusive residential deals for New Business

Effective 16th May

Tomorrow, NatWest will be introducing rate changes on selected core and semi-exclusive residential products, as well as introducing some new products for existing customers.

 

Here’s a summary of the changes:

New Business

·         Core Range 

·         Purchase: Rate reduction of 2bps on 70% and 5bps increase on 90% 2 year fixed rate purchase deals.

·         Rate reduction of up to 4bps on selected 5 year fixed rate purchase deals

·         Remortgage: Rate increase of 4bps on 90% 2 year fixed rate remortgage deal

·         Rate reductions of up to 4bps on selected 5 year fixed rate remortgage and 5 fixed rate remortgage high value deals

 

·         Intermediary Exclusives

·         Purchase: Rate increases of up to 20bps on selected 2 year fixed rate purchase deals

·         Rate decreases of up to 7bps on selected 5 year fixed rate purchase deals

·         Remortgage: Rate reductions of up to 5 bps on selected 5 year fixed rate remortgage deals

·         Rate increase of 6bps on 90%  5 year fixed rate remortgage deal

 

Existing customer

·         Core Range

·         Product switches: Introduction of new 2 and 5 year fixed rate products.

·         Withdrawal of selected 2 and 5 year fixed rate products

 

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

 

New Business

 

CORE

Residential

 

Rate changes

 

2 year fixed rate purchase

 

[FO20157] 70% LTV, decreasing by 2bps from 1.52% to 1.50% (4.24% SVR), £995 product fee, £250 Cashback

[FO20158] 90% LTV, increasing by 5bps from 1.91% to 1.96% (4.24% SVR), £995 product fee, £250 Cashback

 

5 year fixed rate purchase

 

[FO20159] 60% LTV, decreasing by 3bps from 1.87% to 1.84% (4.24% SVR), £995 product fee, £250 Cashback

 

[FO20160] 70% LTV, decreasing by 4bps from 1.92% to 1.88% (4.24% SVR), £995 product fee, £250 Cashback

[FO20161] 80% LTV, decreasing by 1bps from 2.09% to 2.08% (4.24% SVR), £995 product fee, £250 Cashback

 

2 year fixed rate remortgage

 

[FO20162] 90% LTV, increasing by 4bps from 1.98% to 2.02% (4.24% SVR), £995 product fee, £250 Cashback

 

5 year fixed rate remortgage

 

[FO20163] 60% LTV, decreasing by 1bps from 1.89% to 1.88% (4.24% SVR), £995 product fee, £250 Cashback

[FO20164] 70% LTV, decreasing by 4bps from 1.99% to 1.95% (4.24% SVR), £995 product fee, £250 Cashback

 

[FO20165] 75% LTV, decreasing by 3bps from 1.99% to 1.96% (4.24% SVR), £995 product fee, £250 Cashback

[FO20166] 80% LTV, decreasing by 1bps from 2.14% to 2.13% (4.24% SVR), £995 product fee, £250 Cashback

 

5 year fixed rate remortgage – High Value

 

[FO19881] 60% LTV, decreasing by 1bps from 1.88% to 1.87% (4.24% SVR), £995 product fee, £250 Cashback

 

[FO19883] 70% LTV, decreasing by 4bps from 1.98% to 1.94% (4.24% SVR), £995 product fee, £250 Cashback

[FO19883] 75% LTV, decreasing by 3bps from 1.98% to 1.95% (4.24% SVR), £995 product fee, £250 Cashback

 

Semi Exclusives

Residential

 

New Products

 

2 year tracker purchase

 

[TO4793] 70% LTV, 1.55% (4.24% SVR), £995 product fee, £350 cashback

[TO4794] 70% LTV, 2.06% (4.24% SVR), £0 product fee, £250 cashback

[TO4795] 75% LTV, 1.57% (4.24% SVR), £995 product fee, £350 cashback

 

Rate changes

 

2 year fixed rate purchase

 

[FO20167] 90% LTV, increasing by 20bps from 1.79% to 1.99% (4.24% SVR), £995 product fee, £250 Cashback

[FO20168] 95% LTV, increasing by 6bps from 2.98% to 3.04% (4.24% SVR), £995 product fee, £250 Cashback

 

5 year fixed rate purchase

 

[FO20169] 60% LTV, decreasing by 3bps from 1.85% to 1.82% (4.24% SVR), £995 product fee

[FO20170] 60% LTV, decreasing by 7bps from 2.29% to 2.22% (4.24% SVR), £0 product fee, £500 Cashback

[FO20172] 70% LTV, decreasing by 6bps from 2.30% to 2.24% (4.24% SVR), £0 product fee, £500 Cashback

[FO20171] 70% LTV, decreasing by 6bps from 1.91% to 1.89% (4.24% SVR), £995 product fee

[FO20173] 75% LTV, decreasing by 2bps from 1.91% to 1.89% (4.24% SVR), £995 product fee

[FO20174] 75% LTV, decreasing by 2bps from 2.30% to 2.24% (4.24% SVR), £0 product fee, £500 Cashback

[FO20175] 85% LTV, decreasing by 2bps from 2.09% to 2.07% (4.24% SVR), £995 product fee

 

5 year fixed rate remortgage

 

[FO20178] 60% LTV, decreasing by 5bps from 2.19% to 2.14% (4.24% SVR), £0 product fee, £500 Cashback

[FO20177] 60% LTV, decreasing by 3bps from 1.83% to 1.80% (4.24% SVR), £995 product fee

[FO20179] 70% LTV, decreasing by 4bps from 1.93% to 1.89% (4.24% SVR), £995 product fee

[FO20180] 75% LTV, decreasing by 4bps from 1.93% to 1.89% (4.24% SVR), £995 product fee

[FO20181] 85% LTV, decreasing by 2bps from 2.09% to 2.07% (4.24% SVR), £995 product fee

[FO20176] 90% LTV, increasing by 6bps from 1.93% to 1.99% (4.24% SVR), £995 product fee, £250 Cashback

 

Withdrawals

 

2 year tracker purchase

 

[TO4763] 70% LTV, 1.55% (4.24% SVR), £995 product fee, £350 cashback

[TO4764] 70% LTV, 2.06% (4.24% SVR), £0 product fee, £250 cashback

[TO4765] 75% LTV, 1.57% (4.24% SVR), £995 product fee, £350 cashback

 

Existing Customers

 

New Products

 

2 year fixed rate switcher

 

[FO20151] 60% LTV, 1.55% (4.24% SVR), £995 product fee

[FO20152] 70% LTV, 1.64% (4.24% SVR), £995 product fee

[FO20153] 75% LTV, 1.64% (4.24% SVR), £995 product fee

 

5 year fixed rate switcher

 

[FO20154] 60% LTV, 1.89% (4.24% SVR), £995 product fee

[FO20155] 70% LTV, 1.99% (4.24% SVR), £995 product fee

[FO20156] 75% LTV, 1.99% (4.24% SVR), £995 product fee

 

Withdrawals

 

2 year fixed rate switcher

 

[FO19914] 60% LTV, 1.55% (4.24% SVR), £995 product fee

[FO19916] 70% LTV, 1.64% (4.24% SVR), £995 product fee

[FO19918] 75% LTV, 1.64% (4.24% SVR), £995 product fee

 

2 year fixed rate switcher – High value

 

[FO19924] 60% LTV, 1.55% (4.24% SVR), £995 product fee

[FO19925] 70% LTV, 1.71% (4.24% SVR), £995 product fee

[FO19926] 75% LTV, 1.71% (4.24% SVR), £995 product fee

 

5 year fixed rate switcher

 

[FO20103] 60% LTV, 1.89% (4.24% SVR), £995 product fee

[FO20105] 70% LTV, 1.99% (4.24% SVR), £995 product fee

[FO20107] 75% LTV, 1.99% (4.24% SVR), £995 product fee

 

5 year fixed rate switcher – High value

 

[FO20027] 60% LTV, 2.03% (4.24% SVR), £995 product fee

[FO20028] 70% LTV, 2.23% (4.24% SVR), £995 product fee

[FO20029] 75% LTV, 2.24% (4.24% SVR), £995 product fee

 

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 15th May 2019.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Thursday 30th May 2019

 

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 16th May 2019. 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 20th May 2019 for your rate to be honoured:

 

 

FREEPOST NatWest Intermediary Solutions

Mortgage Centre

Cartsdyke Avenue

Greenock

PA15 1ED

 

 

Extended opening hours for our LiveTALK team

Effective 7th May

We are happy to announce that from Tuesday 7th May we are trialling extended opening hours for our dedicated instant messaging service – LiveTALK.

 

After gauging broker feedback on when they would appreciate extended opening hours for our LiveTALK team, from Tuesday they will be operating on the following hours:

Monday, Tuesday, Thursday, Friday – 8am until 9pm

Wednesday – 10am until 9pm

 

We’d also like to remind you of the main benefits in using our LiveTALK service:

·        Provide guidance with submitting applications (whether this is either an AIP or an application) and also helping with any technical issues with the application.

·        Help with New Business policy queries or any questions around our lending criteria.

·        Providing password resets

 

We also have the helpful CoBrowse feature which allows our staff to see what the broker sees and enables us to answer their queries more effectively whilst making the process easier for brokers.

 

We hope you’ll benefit from this trial and as always we will continue to monitor our service and gauge broker feedback in order to continue to improve.

If you have any questions, please don’t hesitate to get in touch with your BDM or find our LiveTALK team by visiting our homepage

 

NatWest to make rate reductions to core and semi-exclusive residential and Buy-To-Let deal for New Business

Effective 30th April

Tomorrow, NatWest will be introducing rate changes on selected core and semi-exclusive residential and buy to let products.

 

Here’s a summary of the changes:

New Business

·         Core Range 

·         Residential: Rate reductions of 25-90bps, with £250 cash back introduced on selected products.

·         Buy to Let: Rate reductions of 53-147bps, with fees reduced from £1,995 to £995.

·         Shared Equity: rate reductions and cash back introduced

            - 2 Year Fee Based: Rate reductions of 19-27bps and £250 cash back introduced.

            - 5 Year Fee Based: Rate reductions of 8-20bps.

 

·         Intermediary Exclusives

·         Rate reductions and new purchase products.

·         Remortgage: Rate reductions of 1-2 bps on 5 year 60-85% LTV products.

·         Purchase: Launch 2 year 60-90% LTV products, with £250 cash back and free property valuation; and reduce pricing on the 2 year 95% LTV product by 1bps.

 

·         Base Rate Trackers: BRT pricing set 10bps below the equivalent fixed rate product

 

End dates

2 year term End Dates Moving from 30/06/2021 to 31/10/2021

 

5 year term End Dates Moving from 30/06/2024 to 31/10/2024

 

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

 

CORE

Residential

 

New Products

 

2 year tracker purchase

 

[TO4736] 60% LTV, 1.34% (4.24% SVR), £955 product fee, £250 cashback

[TO4738] 70% LTV, 1.42% (4.24% SVR), £995 product fee, £250 cashback

[TO4741] 75% LTV, 1.42% (4.24% SVR), £995 product fee, £250 cashback

 

2 year tracker remortgage

 

[TO4743] 60% LTV, 1.43% (4.24% SVR), £955 product fee, £250 cashback

[TO4745] 70% LTV, 1.49% (4.24% SVR), £995 product fee, £250 cashback

[TO4747] 75% LTV, 1.49% (4.24% SVR), £995 product fee, £250 cashback

 

Shared equity – 2 year fixed rate purchase

 

[FO19878] 60% LTV, 1.54% (4.24% SVR), £955 product fee, £250 cashback

[FO19879] 70% LTV, 1.58% (4.24% SVR), £995 product fee, £250 cashback

[FO19880] 75% LTV, 1.59% (4.24% SVR), £995 product fee, £250 cashback

 

Help to Buy Shared equity – 2 year fixed rate purchase

 

[FO19884] 60% LTV, 1.54% (4.24% SVR), £955 product fee, £250 cashback

[FO19885] 70% LTV, 1.58% (4.24% SVR), £995 product fee, £250 cashback

[FO19886] 75% LTV, 1.59% (4.24% SVR), £995 product fee, £250 cashback

 

Rate Changes

 

2 year tracker purchase

 

[TO4737] 60% LTV, decreasing by 59bps from 2.89% to 2.30% (4.24% SVR), £0 product fee

[TO4739] 70% LTV, decreasing by 59bps from 2.94% to 2.35% (4.24% SVR), £0 product fee

[TO4742] 75% LTV, decreasing by 63bps from 2.98% to 2.35% (4.24% SVR), £0 product fee

 

2 year tracker remortgage

 

[TO4744] 60% LTV, decreasing by 30bps from 2.89% to 2.59% (4.24% SVR), £0 product fee

[TO4746] 70% LTV, decreasing by 25bps from 2.94% to 2.69% (4.24% SVR), £0 product fee

[TO4748] 75% LTV, decreasing by 29bps from 2.98% to 2.69% (4.24% SVR), £0 product fee

 

Shared equity – 5 year fixed rate purchase

 

[FO19881] 60% LTV, decreasing by 8bps from 2.05% to 1.97% (4.24% SVR), £995 product fee, £250 Cashback

[FO19882] 70% LTV, decreasing by 15bps from 2.12% to 1.97% (4.24% SVR), £995 product fee, £250 Cashback

[FO19883] 75% LTV, decreasing by 20bps from 2.17% to 1.97% (4.24% SVR), £995 product fee, £250 Cashback

 

Help to Buy Shared equity – 5 year fixed rate purchase

 

[FO19887] 60% LTV, decreasing by 8bps from 2.05% to 1.97% (4.24% SVR), £995 product fee, £250 Cashback

[FO19888] 70% LTV, decreasing by 15bps from 2.12% to 1.97% (4.24% SVR), £995 product fee, £250 Cashback

[FO19889] 75% LTV, decreasing by 20bps from 2.17% to 1.97% (4.24% SVR), £995 product fee, £250 Cashback

 

Withdrawals

 

2 year tracker purchase

 

[TO4643] 60% LTV, 2.09% (4.24% SVR), £995 product fee

 

[TO4645] 70% LTV, 2.29% (4.24% SVR), £995 product fee

[TO4647] 75% LTV, 2.32% (4.24% SVR), £995 product fee

 

[TO4648] 75% LTV, 2.98% (4.24% SVR), £995 product fee

 

2 year tracker remortgage

 

[TO4625] 60% LTV, 2.09% (4.24% SVR), £995 product fee

 

[TO4627] 70% LTV, 2.29% (4.24% SVR), £995 product fee

[TO4629] 75% LTV, 2.32% (4.24% SVR), £995 product fee

 

 

Shared equity – 2 year fixed rate purchase

 

[FO19090] 60% LTV, 1.74% (4.24% SVR), £995 product fee

 

[FO19092] 70% LTV, 1.77% (4.24% SVR), £995 product fee

[FO19094] 75% LTV, 1.86% (4.24% SVR), £995 product fee

 

 

Help to Buy shared equity – 2 year fixed rate purchase

 

[FO19096] 60% LTV, 1.74% (4.24% SVR), £995 product fee

 

[FO19098] 70% LTV, 1.77% (4.24% SVR), £995 product fee

[FO19100] 75% LTV, 1.86% (4.24% SVR), £995 product fee

 

 

Buy to Let

 

Rate Changes

2 year tracker purchase

 

[TO4750] 60% LTV, decreasing by 129bps from 3.43% to 2.14% (4.74% SVR), £0 product fee

[TO4752] 70% LTV, decreasing by 147bps from 3.93% to 2.46% (4.74% SVR), £0 product fee

[TO4754] 75% LTV, decreasing by 142bps from 3.99% to 2.57% (4.74% SVR), £0 product fee

 

2 year tracker remortgage

 

[TO4756] 60% LTV, decreasing by 76bps from 3.43% to 2.67% (4.74% SVR), £0 product fee

[TO4758] 70% LTV, decreasing by 101bps from 3.93% to 2.92% (4.74% SVR), £0 product fee

[TO4760] 75% LTV, decreasing by 102bps from 3.99% to 2.97% (4.74% SVR), £0 product fee

 

Rate and Fee Changes

 

2 year tracker purchase

 

[TO4749] 60% LTV, decreasing by 74bps from 2.38% to 1.64% (4.74% SVR), fee decreasing from £1,995 to £995

[TO4751] 70% LTV, decreasing by 103bps from 2.90% to 1.87% (4.74% SVR), fee decreasing from £1,995 to £995

[TO4753] 75% LTV, decreasing by 92bps from 2.94% to 2.02% (4.74% SVR), fee decreasing from £1,995 to £995

 

2 year tracker remortgage

 

[TO4755] 60% LTV, decreasing by 76bps from 2.38% to 1.62% (4.74% SVR), fee decreasing from £1,995 to £995

[TO4757] 70% LTV, decreasing by 87bps from 2.90% to 2.03% (4.74% SVR), fee decreasing from £1,995 to £995

[TO4759] 75% LTV, decreasing by 53bps from 2.94% to 2.41% (4.74% SVR), fee decreasing from £1,995 to £995

 

Semi Exclusives

Residential

 

New Products

 

2 year fixed rate purchase

 

[FO19890] 60% LTV, 2.16% (4.24% SVR), £0 product fee, £250 cashback

[FO19891] 70% LTV, 2.16% (4.24% SVR), £0 product fee, £250 cashback

[FO19892] 80% LTV, 2.98% (4.24% SVR), £0 product fee, £250 cashback

[FO19893] 85% LTV, 2.98% (4.24% SVR), £0 product fee, £250 cashback

[FO19894] 90% LTV, 2.98% (4.24% SVR), £0 product fee, £250 cashback

 

2 year tracker purchase

 

[TO4761] 60% LTV, 2.06% (4.24% SVR), £0 product fee, £250 cashback

[TO4762] 60% LTV, 1.52% (4.24% SVR), £995 product fee, £350 cashback

[TO4763] 70% LTV, 1.55% (4.24% SVR), £995 product fee, £350 cashback

[TO4764] 70% LTV, 2.06% (4.24% SVR), £0 product fee, £250 cashback

[TO4765] 75% LTV, 1.57% (4.24% SVR), £995 product fee, £350 cashback

 

2 year tracker remortgage

 

[TO4772] 60% LTV, 2.34% (4.24% SVR), £0 product fee

[TO4774] 70% LTV, 2.39% (4.24% SVR), £0 product fee

[TO4773] 75% LTV, 2.39% (4.24% SVR), £0 product fee

 

Rate Changes

2 year fixed rate purchase

 

[FO19895] 95% LTV, decreasing by 1bps from 2.99% to 2.98% (4.24% SVR), £0 product fee, £250 cashback

 

5 year fixed rate remortgage

 

[FO19896] 60% LTV, decreasing by 1bps from 1.84% to 1.83% (4.24% SVR), £995 product fee

[FO19898] 70% LTV, decreasing by 2bps from 2.26% to 2.24% (4.24% SVR), £0 product fee, £500 cashback

[FO19897] 70% LTV, decreasing by 1bps from 1.94% to 1.93% (4.24% SVR), £995 product fee

[FO19900] 75% LTV, decreasing by 2bps from 2.26% to 2.24% (4.24% SVR), £0 product fee, £500 cashback

[FO19899] 75% LTV, decreasing by 1bps from 1.94% to 1.93% (4.24% SVR), £995 product fee

[FO19901] 85% LTV, decreasing by 1bps from 2.40% to 2.39% (4.24% SVR), £0 product fee, £500 cashback

Buy to Let

 

New Products

2 year tracker purchase

 

[TO4767] 60% LTV, 1.99% (4.74% SVR), £0 product fee

[TO4766] 60% LTV, 1.69% (4.74% SVR), £995 product fee, £250 cashback

[TO4769] 70% LTV, 2.49% (4.74% SVR), £0 product fee, £250 cashback

[TO4768] 70% LTV, 1.95% (4.74% SVR), £995 product fee, £250 cashback

[TO4770] 75% LTV, 1.97% (4.74% SVR), £995 product fee, £250 cashback

[TO4771] 75% LTV, 2.49% (4.74% SVR), £0 product fee, £250 cashback

 

2 year tracker remortgage

 

[TO4776] 60% LTV, 2.23% (4.74% SVR), £0 product fee, £250 cashback

[TO4775] 60% LTV, 1.68% (4.74% SVR), £995 product fee, £250 cashback

[TO4777] 70% LTV, 1.92% (4.74% SVR), £995 product fee, £250 cashback

[TO4778] 70% LTV, 2.38% (4.74% SVR), £0 product fee, £250 cashback

[TO4780] 75% LTV, 2.38% (4.74% SVR), £0 product fee, £250 cashback

[TO4779] 75% LTV, 1.95% (4.74% SVR), £995 product fee, £250 cashback

 

Withdrawals

 

2 year tracker purchase

 

[TO4655] 60% LTV, 2.49% (4.74% SVR), £995 product fee

 

[TO4656] 70% LTV, 2.90% (4.74% SVR), £995 product fee

 

[TO4657] 75% LTV, 3.00% (4.74% SVR), £995 product fee

 

 

2 year tracker remortgage

 

[TO4616] 60% LTV, 2.22% (4.74% SVR), £995 product fee

 

[TO4620] 70% LTV, 2.95% (4.74% SVR), £995 product fee

 

[TO4621] 75% LTV, 3.08% (4.74% SVR), £995 product fee

 

 

End dates

 

2 year term End Dates Moving from 30/06/2021 to 31/10/2021

 

5 year term End Dates Moving from 30/06/2024 to 31/10/2024

 

Transitional arrangements

 

Transitional arrangements

 

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Monday 29th April 2019.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Monday 13th May 2019

 

If you are unable to submit an application online due to a technical issue that cannot be resolved over the phone, then you must submit a paper-based application. In this instance, you must e-mail your BDM by midday on Tuesday 30th April 2019. 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 2nd May 2019 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.

 

NatWest Intermediary Solutions, Easter opening hours

Thursday 18th April

Over the Easter period our Business Development Managers and our LiveTALK Team will be unavailable from Friday 19th April till Monday 22nd April. Our normal service resumes on Tuesday 23rd April.

 

During this time you can still submit mortgage applications to us as normal as all our systems remain available.

 

NatWest to make rate reductions to core and semi-exclusive residential and Buy-To-Let deals for New Business

Effective 28th March

Tomorrow, NatWest will be introducing rate changes on selected core and semi-exclusive residential and buy to let products

 

Here’s a summary of the changes:

 

New Business

·         Core Range

 

  • Introducing £250 cashback across our 2 & 5 year fee based products;
  • Purchase - Rate reductions of up to 26bps across our 2 & 5 year fee and 95% LTV no fee products;
  • Remortgage – Selected rate reductions across our 2 & 5 year fee products;
  • BTL – Selected rate reductions of up to 50bps across our 2 & 5 year BTL products (purchase and remortgage).

·         Intermediary Exclusives     

 

  • Purchase – Selected rate reductions of up to 22bps and cash back changes across our 2 & 5 year fee, 95% LTV no fee and 5 year FTB products;
  • Remortgage – Selected rate reductions of up to 10bps and cash back changes across our 2 & 5 year fee products;
  • BTL – Selected rate reductions of up to 31bps and cash back changes to our 2 & 5 year BTL products.

Existing Customer

·         Core Range

 

  • Purchase - Rate reductions and increases across our 2 & 5 year fee and 95% LTV no fee products;
  • Remortgage – Selected rate reductions and increases across our 2 & 5 year fee products.

 

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

 

CORE

Residential

 

New Products

 

2 year fixed rate purchase

 

[FO19552] 70% LTV, 1.52% (4.24% SVR), £955 product fee, £250 cashback

[FO19553] 75% LTV, 1.52% (4.24% SVR), £995 product fee, £250 cashback

[FO19554] 80% LTV, 1.60% (4.24% SVR), £995 product fee, £250 cashback

[FO19555] 85% LTV, 1.70% (4.24% SVR), £995 product fee, £250 cashback

[FO19556] 90% LTV, 1.91% (4.24% SVR), £995 product fee, £250 cashback

 

5 year fixed rate purchase

 

[FO19563] 90% LTV, 2.32% (4.24% SVR), £955 product fee, £250 cashback

[FO19564] 95% LTV, 3.58% (4.24% SVR), £0 product fee, £250 cashback

 

2 year fixed rate remortgage

 

[FO19565] 60% LTV, 1.53% (4.24% SVR), £995 product fee, £250 cashback

[FO19566] 70% LTV, 1.59% (4.24% SVR), £995 product fee, £250 cashback

[FO19567] 75% LTV, 1.59% (4.24% SVR), £995 product fee, £250 cashback

[FO19568] 80% LTV, 1.74% (4.24% SVR), £995 product fee, £250 cashback

[FO19569] 85% LTV, 1.83% (4.24% SVR), £995 product fee, £250 cashback

[FO19570] 90% LTV, 1.98% (4.24% SVR), £995 product fee, £250 cashback

 

2 year fixed rate remortgage - High Value

 

[FO19641] 60% LTV, 1.52% (4.24% SVR), £955 product fee, £250 cashback

[FO19642] 70% LTV, 1.58% (4.24% SVR), £995 product fee, £250 cashback

 

5 year fixed rate remortgage

 

[FO19572] 60% LTV, 1.89% (4.24% SVR), £995 product fee, £250 cashback

[FO19572] 70% LTV, 1.99% (4.24% SVR), £995 product fee, £250 cashback

[FO19573] 75% LTV, 1.99% (4.24% SVR), £995 product fee, £250 cashback

[FO19574] 80% LTV, 2.14% (4.24% SVR), £995 product fee, £250 cashback

[FO19575] 85% LTV, 2.18% (4.24% SVR), £995 product fee, £250 cashback

[FO19576] 90% LTV, 2.38% (4.24% SVR), £995 product fee, £250 cashback

 

5 year fixed rate remortgage – High Value

 

[FO19643] 60% LTV, 1.88% (4.24% SVR), £995 product fee, £250 cashback

[FO19644] 70% LTV, 1.98% (4.24% SVR), £995 product fee, £250 cashback

[FO19645] 75% LTV, 1.98% (4.24% SVR), £995 product fee, £250 cashback

 

 

Rate Changes

 

2 year fixed rate purchase

 

[FO19551] 60% LTV, decreasing by 6bps from 1.50% to 1.44% (4.24% SVR), £995 product fee, £250 cashback

[FO19557] 95% LTV, decreasing by 21bps from 3.29% to 3.08% (4.24% SVR), £0 product fee, £250 cashback

 

5 year fixed rate purchase

[FO19558] 60% LTV, decreasing by 8bps from 1.95% to 1.87% (4.24% SVR), £995 product fee, £250 cashback

[FO19559] 70% LTV, decreasing by 7bps from 1.99% to 1.92% (4.24% SVR), £995 product fee, £250 cashback

[FO19560] 75% LTV, decreasing by 7bps from 1.99% to 1.92% (4.24% SVR), £995 product fee, £250 cashback

[FO19561] 80% LTV, decreasing by 14bps from 2.23% to 2.09% (4.24% SVR), £995 product fee, £250 cashback

[FO19562] 85% LTV, decreasing by 26bps from 2.36% to 2.10% (4.24% SVR), £995 product fee, £250 cashback

 

First time buyer – 2 year fixed rate purchase

 

[FO19577] 90% LTV, decreasing by 9bps from 3.68% to 3.57% (4.24% SVR), £0 product fee, £250 cashback

 

Withdrawals

 

2 year fixed rate purchase

 

[FO19076] 70% LTV, 1.73% (4.24% SVR), £995 product fee

 

[FO19078] 75% LTV, 1.83% (4.24% SVR), £995 product fee

[FO19080] 80% LTV, 1.87% (4.24% SVR), £995 product fee

[FO19082] 85% LTV, 1.87% (4.24% SVR), £995 product fee

[FO19084] 90% LTV, 2.33% (4.24% SVR), £995 product fee

 

5 year fixed rate purchase

 

[FO19202] 90% LTV, 2.68% (4.24% SVR), £995 product fee

[FO19204] 95% LTV, 3.81% (4.24% SVR), £0 product fee

 

2 year fixed rate remortgage

 

[FO19030] 60% LTV, 1.54% (4.24% SVR), £995 product fee

[FO19031] 70% LTV, 1.59% (4.24% SVR), £995 product fee

[FO19043] 75% LTV, 1.59% (4.24% SVR), £995 product fee

[FO19128] 80% LTV, 1.78% (4.24% SVR), £995 product fee

[FO19129] 85% LTV, 2.38% (4.24% SVR), £995 product fee

[FO19130] 90% LTV, 2.70% (4.24% SVR), £995 product fee

 

2 year fixed rate remortgage - High Value

 

[FO19028] 60% LTV, 1.53% (4.24% SVR), £955 product fee

[FO19029] 70% LTV, 1.58% (4.24% SVR), £995 product fee

 

5 year fixed rate remortgage

 

[FO19148] 60% LTV, 1.94% (4.24% SVR), £995 product fee

[FO19146] 70% LTV, 2.08% (4.24% SVR), £995 product fee

[FO19147] 75% LTV, 2.23% (4.24% SVR), £995 product fee

[FO19162] 80% LTV, 2.33% (4.24% SVR), £995 product fee

[FO19153] 85% LTV, 3.13% (4.24% SVR), £995 product fee

[FO19164] 90% LTV, 3.28% (4.24% SVR), £995 product fee

 

5 year fixed rate remortgage - High Value

 

[FO19149] 60% LTV, 1.93% (4.24% SVR), £995 product fee

[FO19150] 70% LTV, 2.07% (4.24% SVR), £995 product fee

[FO19151] 75% LTV, 2.22% (4.24% SVR), £995 product fee

 

Buy to Let

 

Rate Changes

 

5 year fixed rate purchase

 

[FO19578] 60% LTV, decreasing by 17bps from 2.30% to 2.13% (4.74% SVR), £995 product fee

[FO19579] 70% LTV, decreasing by 15bps from 2.65% to 2.50% (4.74% SVR), £995 product fee

[FO19580] 75% LTV, decreasing by 28bps from 2.79% to 2.51% (4.74% SVR), £995 product fee

 

2 year fixed rate remortgage

 

[FO19581] 60% LTV, decreasing by 12bps from 1.84% to 1.72% (4.74% SVR), £995 product fee

[FO19582] 70% LTV, decreasing by 20bps from 2.33% to 2.13% (4.74% SVR), £995 product fee

 

5 year fixed rate remortgage

 

[FO19583] 60% LTV, decreasing by 50bps from 2.27% to 2.21% (4.74% SVR), £995 product fee

[FO19584] 70% LTV, decreasing by 50bps from 2.62% to 2.51% (4.74% SVR), £995 product fee

[FO19585] 75% LTV, decreasing by 50bps from 2.62% to 2.58% (4.74% SVR), £995 product fee

 

 

Semi Exclusives

New Products

 

2 year fixed rate purchase

 

[FO19590] 90% LTV, 1.79% (4.24% SVR), £995 product fee

 

5 year fixed rate purchase

 

[FO19592] 60% LTV, 1.85% (4.24% SVR), £995 product fee

[FO19593] 70% LTV, 1.91% (4.24% SVR), £995 product fee

[FO19594] 75% LTV, 1.91% (4.24% SVR), £995 product fee

[FO19595] 80% LTV, 2.04% (4.24% SVR), £995 product fee

[FO19597] 85% LTV, 2.09% (4.24% SVR), £995 product fee

[FO19599] 90% LTV, 2.29% (4.24% SVR), £995 product fee

[FO19601] 95% LTV, 3.33% (4.24% SVR), £0 product fee, £250 cashback

 

5 year fixed rate remortgage

 

[FO19609] 60% LTV, 1.84% (4.24% SVR), £995 product fee

[FO19611] 70% LTV, 1.94% (4.24% SVR), £995 product fee

[FO19612] 75% LTV, 1.94% (4.24% SVR), £995 product fee

[FO19613] 80% LTV, 2.07% (4.24% SVR), £995 product fee

[FO19615] 85% LTV, 2.09% (4.24% SVR), £995 product fee

[FO19617] 90% LTV, 2.29% (4.24% SVR), £995 product fee

 

First time buyer – 5 year fixed rate purchase

 

[FO19603] 85% LTV, 2.51% (4.24% SVR), £0 product fee, £750 Cashback

 

Help to Buy shared equity – 2 year fixed rate remortgage

 

[FO19605] 75% LTV, 2.90% (4.24% SVR), £0 product fee, £500 Cashback

[FO19604] 75% LTV, 1.96% (4.24% SVR), £995 product fee, £500 Cashback

 

Rate Changes

 

2 year fixed rate purchase

 

[FO19586] 70% LTV, decreasing by 5bps from 1.70% to 1.65% (4.24% SVR), £995 product fee, £350 cashback

[FO19587] 75% LTV, decreasing by 3bps from 1.70% to 1.67% (4.24% SVR), £995 product fee, £350 cashback

[FO19588] 80% LTV, decreasing by 6bps from 1.74% to 1.68% (4.24% SVR), £995 product fee, £250 cashback

[FO19589] 85% LTV, decreasing by 6bps from 1.82% to 1.74% (4.24% SVR), £995 product fee, £250 cashback

[FO19591] 95% LTV, decreasing by 22bps from 3.21% to 2.99% (4.24% SVR), £0 product fee, £250 cashback

 

 

5 year fixed rate purchase

 

[FO19596] 80% LTV, decreasing by 8bps from 2.48% to 2.40% (4.24% SVR), £0 product fee, £500 cashback

[FO19598] 85% LTV, decreasing by 10bps from 2.61% to 2.51% (4.24% SVR), £0 product fee, £500 cashback

[FO19600] 90% LTV, decreasing by 11bps from 2.67% to 2.58% (4.24% SVR), £0 product fee, £500 cashback

 

2 year fixed rate remortgage

 

[FO19606] 80% LTV, decreasing by 6bps from 1.78% to 1.72% (4.24% SVR), £995 product fee, £250 cashback

[FO19607] 85% LTV, decreasing by 10bps from 1.92% to 1.82% (4.24% SVR), £995 product fee, £250 cashback

[FO19608] 90% LTV, decreasing by 16bps from 2.09% to 1.93% (4.24% SVR), £995 product fee, £250 cashback

 

5 year fixed rate remortgage

 

[FO19610] 60% LTV, decreasing by 5bps from 2.24% to 2.19% (4.24% SVR), £0 product fee, £500 cashback

[FO19614] 80% LTV, decreasing by 3bps from 2.40% to 2.37% (4.24% SVR), £0 product fee, £500 cashback

[FO19616] 85% LTV, decreasing by 9bps from 2.51% to 2.40% (4.24% SVR), £0 product fee, £500 cashback

 

First time buyer – 5 year fixed rate purchase

 

[FO19602] 80% LTV, decreasing by 10bps from 2.49% to 2.39% (4.24% SVR), £0 product fee, £500 cashback

 

Withdrawals

 

2 year fixed rate purchase

 

[FO19113] 90% LTV, 1.94% (4.24% SVR), £995 product fee, £350 cashback

 

5 year fixed rate purchase

 

[FO19226] 60% LTV, 1.97% (4.24% SVR), £995 product fee, £500 cashback

 

[FO19228] 70% LTV, 2.02% (4.24% SVR), £995 product fee, £500 cashback

 

[FO19230] 75% LTV, 2.05% (4.24% SVR), £995 product fee, £500 cashback

 

[FO19232] 80% LTV, 2.17% (4.24% SVR), £995 product fee, £500 cashback

 

[FO19234] 85% LTV, 2.27% (4.24% SVR), £995 product fee, £500 cashback

 

[FO19236] 90% LTV, 2.45% (4.24% SVR), £995 product fee, £500 cashback

 

5 year fixed rate remortgage

 

[FO19238] 60% LTV, 1.97% (4.24% SVR), £995 product fee, £500 cashback

 

[FO19240] 70% LTV, 2.02% (4.24% SVR), £995 product fee, £500 cashback

 

[FO19242] 75% LTV, 2.02% (4.24% SVR), £995 product fee, £500 cashback

 

[FO19244] 80% LTV, 2.19% (4.24% SVR), £995 product fee, £500 cashback

 

[FO19246] 85% LTV, 2.22% (4.24% SVR), £995 product fee, £500 cashback

 

[FO19248] 90% LTV, 2.41% (4.24% SVR), £995 product fee, £500 cashback

 

First time buyer – 5 year fixed rate purchase

 

[FO19251] 85% LTV, 2.54% (4.24% SVR), £0 product fee, £500 Cashback

 

Help to Buy shared equity – 2 year fixed rate remortgage

 

[FO19141] 75% LTV, 2.90% (4.24% SVR), £0 product fee, £500 Cashback

[FO19142] 75% LTV, 1.96% (4.24% SVR), £995 product fee, £500 Cashback

 

Buy to Let

 

New Products

 

2 year fixed rate purchase

 

[FO19619] 60% LTV, 2.09% (4.74% SVR), £0 product fee

 

Rate Changes

 

2 year fixed rate purchase

 

[FO19618] 60% LTV, decreasing by 17bps from 1.96% to 1.79% (4.74% SVR), £995 product fee, £250 cashback

[FO19620] 70% LTV, decreasing by 10bps from 2.15% to 2.05% (4.74% SVR), £995 product fee, £250 cashback

[FO19621] 70% LTV, decreasing by 4bps from 2.63% to 2.59% (4.74% SVR), £0 product fee, £250 cashback

[FO19622] 75% LTV, decreasing by 20bps from 2.27% to 2.07% (4.74% SVR), £995 product fee, £250 cashback

[FO19623] 75% LTV, decreasing by 22bps from 2.81% to 2.59% (4.74% SVR), £0 product fee¸£250 cashback

 

5 year fixed rate purchase

 

[FO19624] 60% LTV, decreasing by 11bps from 2.28% to 2.17% (4.74% SVR), £995 product fee, £250 cashback

[FO19625] 60% LTV, decreasing by 5bps from 2.50% to 2.45% (4.74% SVR), £0 product fee, £250 cashback

[FO19626] 70% LTV, decreasing by 6bps from 2.61% to 2.55% (4.74% SVR), £995 product fee, £250 cashback

[FO19627] 70% LTV, decreasing by 7bps from 2.86% to 2.79% (4.74% SVR), £0 product fee, £250 cashback

[FO19629] 75% LTV, decreasing by 12bps from 2.91% to 2.79% (4.74% SVR), £0 product fee¸£250 cashback

[FO19628] 75% LTV, decreasing by 10bps from 2.66% to 2.56% (4.74% SVR), £995 product fee¸£250 cashback

 

2 year fixed rate remortgage

 

[FO19630] 60% LTV, decreasing by 4bps from 1.82% to 1.78% (4.74% SVR), £995 product fee, £250 cashback

[FO19631] 60% LTV, decreasing by 15bps from 2.48% to 2.33% (4.74% SVR), £0 product fee¸£250 cashback

[FO19632] 70% LTV, decreasing by 11bps from 2.59% to 2.48% (4.74% SVR), £0 product fee¸£250 cashback

[FO19633] 75% LTV, decreasing by 1bps from 2.06% to 2.05% (4.74% SVR), £995 product fee¸£250 cashback

[FO19634] 75% LTV, decreasing by 11bps from 2.59% to 2.48% (4.74% SVR), £0 product fee¸£250 cashback

 

5 year fixed rate remortgage

 

[FO19635] 60% LTV, decreasing by 6bps from 2.29% to 2.23% (4.74% SVR), £995 product fee, £250 cashback

[FO19636] 60% LTV, decreasing by 14bps from 2.55% to 2.41% (4.74% SVR), £0 product fee¸£250 cashback

[FO19637] 70% LTV, decreasing by 6bps from 2.64% to 2.58% (4.74% SVR), £995 product fee¸£250 cashback

[FO19638] 70% LTV, decreasing by 22bps from 2.99% to 2.77% (4.74% SVR), £0 product fee¸£250 cashback

[FO19639] 75% LTV, decreasing by 6bps from 2.64% to 2.58% (4.74% SVR), £995 product fee¸£250 cashback

[FO19640] 75% LTV, decreasing by 31bps from 3.08% to 2.77% (4.74% SVR), £0 product fee¸£250 cashback

 

Withdrawals

 

2 year fixed rate purchase

 

[FO19117] 60% LTV, 2.42% (4.74% SVR), £0 product fee, £250 cashback

 

Existing Customer

 

Core Range

 

Rate Changes

 

2 year fixed rate purchase

 

[FO19646] 60% LTV, decreasing by 42bps from 2.31% to 1.89% (4.24% SVR), £0 product fee

[FO19647] 70% LTV, decreasing by 7bps from 1.71% to 1.64% (4.24% SVR), £995 product fee

[FO19648] 70% LTV, increasing by 38bps from 2.41% to 2.79% (4.24% SVR), £0 product fee

[FO19649] 75% LTV, decreasing by 7bps from 1.71% to 1.64% (4.24% SVR), £995 product fee

[FO19650] 75% LTV, increasing by 38bps from 2.41% to 2.79% (4.24% SVR), £0 product fee

[FO19651] 80% LTV, decreasing by 6bps from 1.79% to 1.75% (4.24% SVR), £995 product fee

[FO19652] 80% LTV, increasing by 38bps from 2.51% to 2.89% (4.24% SVR), £0 product fee

[FO19653] 85% LTV, decreasing by 6bps from 1.84% to 1.75% (4.24% SVR), £995 product fee

[FO19954] 85% LTV, increasing by 38bps from 2.60% to 2.98% (4.24% SVR), £0 product fee

[FO19655] 90% LTV, decreasing by 6bps from 2.70% to 1.90% (4.24% SVR), £955 product fee

 

5 year fixed rate purchase

 

[FO19657] 60% LTV, decreasing by 45bps from 2.59% to 2.14% (4.24% SVR), £0 product fee

[FO19656] 60% LTV, decreasing by 14bps from 2.03% to 1.89% (4.24% SVR), £955 product fee

[FO19658] 70% LTV, decreasing by 24bps from 2.23% to 1.99% (4.24% SVR), £955 product fee

[FO19659] 70% LTV, increasing by 25bps from 2.65% to 3.03% (4.24% SVR), £0 product fee

[FO19660] 75% LTV, decreasing by 25bps from 2.24% to 1.99% (4.24% SVR), £955 product fee

[FO19661] 75% LTV, increasing by 31bps from 2.67% to 3.05% (4.24% SVR), £0 product fee

[FO19663] 80% LTV, increasing by 25bps from 2.79% to 3.17% (4.24% SVR), £0 product fee

[FO19662] 80% LTV, decreasing by 31bps from 2.38% to 2.09% (4.24% SVR), £955 product fee

[FO19665] 85% LTV, increasing by 88bps from 3.00% to 3.38% (4.24% SVR), £0 product fee

[FO19664] 85% LTV, decreasing by 25bps from 2.45% to 2.20% (4.24% SVR), £955 product fee

[FO19666] 90% LTV, decreasing by 88bps from 3.28% to 2.40% (4.24% SVR), £955 product fee

 

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 27th March 2019.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Wednesday 10th April 2019.

 

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 28th March 2019. 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 1st April 2019 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.

 

Improvements to packaging application process for MTE brokers

20th March

We are happy to announce that from Wednesday 20th March all brokers who submit applications to us via MTE will no longer have to certify the documents that they send to us.

 

This is due to the updated declarations that the broker will complete during the application process which now include wording confirming that the documentation they provide are true copies of the original.

 

Please continue to e-mail your application packaging in the usual way to: intermediarydocs@natwest.com

 

If you have any questions, please don’t hesitate to contact your BDM.

 

Scheduled system maintenance this weekend

23rd – 24th February 2019

We will be carrying out scheduled maintenance on our system between 5pm on Saturday 23rd February and approx. 4pm on Sunday 24th February.

 

You will be unable to submit requests for Mortgage Illustrations, Agreements In Principle and Full Mortgage Applications during this time.

 

You will still be able to use our Affordability Calculator and A-Z over the weekend as they will be unaffected by the maintenance work.

 

Thank you for your patience. 

Changes to the end dates of our products

 

Effective from Friday 15 February

We are updating our product range.  This change to our portfolio continues to demonstrate our desire to provide a full range of products to meet our customers’ needs.

 

Below are details of the changes:

 

1. End dates

 

2 Year Term End Dates Moving from 31/03/2021 to 30/06/2021

5 Year Term End Dates Moving from 31/03/2024 to 30/06/2024

 

 

2. New Business

 

There are no rate changes

 

3. Existing Mortgage Customers

 

There are no rate changes

 

Transitional Arrangements

 

Transitional arrangements

 

You’ll be able to produce Mortgage Illustrations and submit applications online for existing deals up to 10:30pm on Tuesday 12th February 2019.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Tuesday 22nd February 2019.

 

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 13th February 2019. 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 15th February 2019 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.

 

 

New forms and guides available

 

Wednesday 6 February 2019

NatWest Intermediary Solutions are happy to announce that we have 3 news forms and guides ready for you to utilise on our website.

 

What’s new?

 

·         A guide to assist you with opening webinars.

 

·         A change of property guide to help brokers capture the information we require when a customer is going through this process.

 

·         A re-homing letter for interest only cases which provides customers with guidance around the confirmation we need from them when taking out an interest only mortgage

 

All of the above can be found in our forms and guides section here

 

Involegal contact details

 

Thursday 24 January 2019

Please note, Involegal have a dedicated telephone number specifically for NatWest Intermediary Solutions cases, if you or you client need to call them the number is: 0345 241 6069. It is crucial that you use this number as in correspondence from Involegal and on their website you may receive details regarding their general switchboard number instead.

 

As well as this, our brokers and your clients can use this email address to contact Involegal regarding the processing of their NatWest remortgage applications:

 

remortgageupdate@involegal.com

 

Involegal will include this email address on the recorded message when callers are holding on their 0345 241 6069 telephone line.

 

This e-mail will also be monitored and Involegal have set their service level for a response within 4 hours.

 

Please remember, the above telephone number and email address can only be used for queries on NatWest cases.

 

NatWest to make rate changes to core and semi-exclusive residential and buy-to-let deals

 

Effective Wednesday 16 January 2019

Tomorrow, NatWest will be introducing rate changes on selected core and semi-exclusive residential and buy to let products.

 

Here’s a summary of the changes:

 

Core Range

 

Remortgage

·         Rate decreases of 12bps and 21bps on 60% and 70% 2 year rate high value deals

·         Rate decreases of up to 21bps on selected 5 year rate high value deals

·         Rate decreases of up to 50bps on selected 2 year rate deals

·         Rate decreases of up to 50bps on selected 5 year rate deals

 

Buy to Let

 

Remortgage

·         Rate decreases of up to 50bps on selected 2 year rate deals

·         Rate decreases of up to 50bps on selected 5 year rate deals

·         Rate decrease of up to 28bps and fee decrease on selected 60% 70% and 75% deals

 

Semi Exclusives

 

Remortgage

·         2 new 90% LTV 2 year rate deals

·         Withdrawal of selected 2 year fixed rate deals

 

Buy to Let

 

Remortgage

·         Rate decrease of 4bps on 70% 5 year rate deal

 

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

 

CORE

Residential

 

Rate Changes

 

2 year fixed rate remortgage – High Value

 

[FO18839] 60% LTV, decreasing by 12bps from 1.65% to 1.53% (3.8% APRC, 4.24% SVR), £995 product fee

[FO18840] 70% LTV, decreasing by 21bps from 1.79% to 1.58% (3.8% APRC, 4.24% SVR), £995 product fee

 

5 year fixed rate remortgage – High Value

 

[FO18841] 60% LTV, decreasing by 12bps from 2.14% to 1.93% (3.4% APRC, 4.24% SVR), £995 product fee

[FO18842] 70% LTV, decreasing by 21bps from 2.28% to 2.07% (3.4% APRC, 4.24% SVR), £995 product fee

[FO18843] 75% LTV, decreasing by 21bps from 2.43% to 2.22% (3.5% APRC, 4.24% SVR), £995 product fee

 

2 year fixed rate remortgage

 

[FO18818] 60% LTV, decreasing by 36bps from 1.90% to 1.54% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18819] 70% LTV, decreasing by 50bps from 2.09% to 1.59% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18820] 75% LTV, decreasing by 50bps from 2.09% to 1.59% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18821] 80% LTV, decreasing by 40bps from 2.18% to 1.78% (4.0% APRC, 4.24% SVR), £995 product fee

 

5 year fixed rate remortgage

 

[FO18822] 60% LTV, decreasing by 50bps from 2.44% to 1.94% (3.5% APRC, 4.24% SVR), £995 product fee

[FO18823] 70% LTV, decreasing by 50bps from 2.58% to 2.08% (3.5% APRC, 4.24% SVR), £995 product fee

[FO18824] 75% LTV, decreasing by 50bps from 2.73% to 2.23% (3.6% APRC, 4.24% SVR), £995 product fee

[FO18825] 80% LTV, decreasing by 50bps from 2.83% to 2.33% (3.6% APRC, 4.24% SVR), £995 product fee

 

Buy to Let

 

Rate Changes

 

2 year fixed rate remortgage

 

[FO18827] 60% LTV, decreasing by 50bps from 3.27% to 2.77% (4.5% APRC, 4.74% SVR), £0 product fee

[FO18829] 70% LTV, decreasing by 50bps from 3.52% to 3.02% (4.5% APRC, 4.74% SVR), £0 product fee

[FO18831] 75% LTV, decreasing by 50bps from 3.57% to 3.07% (4.5% APRC, 4.74% SVR), £0 product fee

 

5 year fixed rate remortgage

 

[FO18832] 60% LTV, decreasing by 17bps from 2.44% to 2.27% (3.9% APRC, 4.74% SVR), £995 product fee

[FO18833] 60% LTV, decreasing by 50bps from 3.54% to 3.04% (4.1% APRC, 4.74% SVR), £0 product fee

[FO18834] 70% LTV, decreasing by 19bps from 2.83% to 2.62% (4.1% APRC, 4.74% SVR), £995 product fee

[FO18835] 70% LTV, decreasing by 50bps from 3.98% to 3.48% (4.3% APRC, 4.74% SVR), £0 product fee

[FO18836] 75% LTV, decreasing by 19bps from 2.88% to 2.62% (4.1% APRC, 4.74% SVR), £995 product fee

[FO18837] 75% LTV, decreasing by 50bps from 4.07% to 3.57% (4.3% APRC, 4.74% SVR), £0 product fee

 

Rate Changes and Fee Changes

 

2 year fixed rate remortgage

 

[FO18826] 60% LTV, decreasing by 20bps from 2.04% to 1.84% (4.4% APRC, 4.74% SVR), Product Fee decreasing from £1,955 to £995

[FO18828] 70% LTV, decreasing by 26bps from 2.59% to 2.33% (4.5% APRC, 4.74% SVR), Product Fee decreasing from £1,955 to £995

[FO18830] 75% LTV, decreasing by 28bps from 2.79% to 2.51% (4.5% APRC, 4.74% SVR), Product Fee decreasing from £1,955 to £995

 

Semi Exclusives

 

New Products

 

2 year fixed rate remortgage

 

[FO18845] 90% LTV, 2.59% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18844] 90% LTV, 2.09% (3.9% APRC, 4.24% SVR), £995 product fee, £250 cashback

 

Withdrawals

 

2 year fixed rate remortgage

 

[FO18733] 60% LTV, 1.54% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18735] 70% LTV, 1.59% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18741] 75% LTV, 1.59% (4.0% APRC, 4.24% SVR), £995 product fee

 

Buy to Let

 

Rate Changes

 

5 year fixed rate remortgage

 

[FO18838] 70% LTV, decreasing by 4bps from 2.68% to 2.64% (4.1% APRC, 4.74% SVR), Product Fee £995, £250 cashback

 

Existing Customer

 

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 Tuesday 15th January 2019.

 

The supporting documentation for online applications on these products must be received in our Mortgage Centre in Birmingham by close of business on Tuesday 29th January 2019.

 

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 16th January 2019. 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 18th January 2019 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.

 

NatWest Local Hero Mortgage Awards, Nominations Open now!


Monday 14 January 2019

On the 13th March 2019 we will be hosting our first ever annual awards for Brokers: The NatWest Local Hero Mortgage Awards.

 

The awards dinner will be held in Birmingham Town Hall, a grade 1 listed building in the City Centre which has hosted many events since being opened in 1834 and is an iconic landmark in the City.

 

The Awards are to recognise firms that have gone above and beyond normal expectations to put the Customer and their Local Community at the heart of everything they do.  In total there will be 12 Regional Awards together with a further two awards for Best National Estate Agency and Best National  Broker Firm.

 

If you would like to participate in these national awards but recognised locally, please nominate your firm by completing the questionnaire using the following link:

 

The NatWest Local Hero Mortgage Awards Questionnaire link

 

Please e-mail all entries to:

 

natwestlocalheroes@natwest.com

 

 

All responses need to be received by 5pm on the closing date of 1st February 2019.

 

After the closing date, 5 firms per region will be shortlisted and once known up to 3 representatives from your firm will be invited to attend the awards event at Birmingham Town Hall, during which all the winners will be announced.

 

NatWest Intermediary Solutions Business Conference on Wednesday 9th January

Monday 7 January 2019

All staff at NatWest Intermediary Solutions will be attending a  Business Conference on Wednesday 9th January. This means that some services will be unavailable for a limited period:

 

  • LiveTALK will be unavailable from 2.30pm on Tuesday  8th  January until 2 pm on 10th January when normal service will resume.
  • Your BDM will send you a personal message confirming when they will be out of the office .
  • If you have a new business enquiry we will be pleased to discuss this with you on our return to the office on 11th  January, either via LiveTalk or your BDM. You can also refer to our A-Z of lending criteria found on this home page.
  • If your query is relating to an existing case please use our online application tracker available via our website or contact 03459 001110

 

We apologise for this brief inconvenience but the conference is important for our business to ensure that we continue to deliver a great broker experience in 2019

 

NatWest Intermediary Solutions Christmas & New Year opening hours

 

Day Date

Application Processing Centre 

0345 900 1110

LIVETALK BDM’s
Monday 24-Dec 8am - 4pm 9am - 4pm 9am - 4pm
Tuesday 25-Dec Closed Closed Closed
Wednesday 26-Dec Closed Closed Closed
Thursday 27-Dec 8am - 6pm 9am - 6pm 9am - 5pm
Friday 28-Dec 8am - 6pm 9am - 6pm 9am - 5pm
Saturday 29-Dec Closed Closed Closed
Sunday 30-Dec Closed Closed Closed
Monday 31-Dec 8am - 4pm 9am - 4pm 9am - 4pm
Tuesday 01-Jan Closed Closed Closed

NatWest to make rate changes to Core and Semi-Exclusive Residential and Buy-to-Let deals

Effective from Wednesday 12th December

Tomorrow, NatWest will be introducing rate changes on selected core and semi-exclusive residential and buy to let products.

 

Here’s a summary of the changes:

 

Semi-Exclusive Range

 

Purchase

·         New 2 year rate 95% product with free valuation

·         Rate increases of 1bps on 70% and 75% 2 year rate deals

·         Rate decreases of up to 7bps on 85% and 90% 2 year rate deals

·         Rate increases of up to 8bps on selected 5 year rate deals

 

Remortgage

·         New 2 year rate products, from 60% to 90% LTV

·         Rate increases of up to 3bps on selected 2 year rate deals

·         Rate increases of up to 14bps on selected 5 year rate deals

 

First time Buyer

·         Rate increases of up to 7bps on selected 5 year rate deals

 

Buy to Let

Purchase

·         Rate increases of up to 11bps on selected 2 year rate deals

·         Rate increases of up to 3bps on selected 5 year rate deals

 

Remortgage

·         Rate increases of up to 4bps on selected 2 year rate deals

·         Rate increases of up to 4bps on selected 5 year rate deals

 

Core Range

 

Purchase

·         Rate increases of 1bps on 60% and 9bps on 95% 2 year rate deals

·         Rate increases of 2bps on 80% 5 year rate deal

 

Remortgage

·         Rate increases of up to 50bps on selected 2 year rate deals

·         Rate increases of up to 50bps on selected 5 year rate deals

·         Rate increases of up to 36bps on selected 2 year rate high value deals

·         Rate increases of up to 44bps on selected 5 year rate high value deals

 

First time Buyer

·         Rate increase of  4ps on 90% 5 year rate deal

 

Buy to Let

 

Remortgage

·         Rate increases of up to 50bps on selected 2 year rate deals

·         Rate increases of up to 50bps on selected 5 year rate deals

·         Rate increase of up to 30bps and fee increase on selected 60% 70 and 75% 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:

 

New Business

 

Semi-Exclusives

 

Residential

 

NEW

 

2 year fixed rate purchase

 

[FO18721] 95% LTV, 3.21% (4.2% APRC, 4.24% SVR), £0 product fee, £250 cashback

 

2 year fixed rate remortgage

 

[FO18733] 60% LTV, 1.54% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18734] 60% LTV, 2.44% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18735] 70% LTV, 1.59% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18740] 70% LTV, 2.49% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18741] 75% LTV, 1.59% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18784] 75% LTV, 2.49% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18742] 80% LTV, 2.54% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18745] 85% LTV, 2.54% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18746] 90% LTV, 2.59% (4.0% APRC, 4.24% SVR), £0 product fee

 

2 year Help to Buy Shared Equity Remortgage

 

[FO18736] 60% LTV, 1.85% (4.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18737] 60% LTV, 2.90% (4.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18738] 70% LTV, 1.88% (4.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18785] 70% LTV, 2.90% (4.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18787] 75% LTV, 1.96% (4.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18786] 75% LTV, 2.90% (4.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

5 year Help to Buy Shared Equity Remortgage

 

[FO18792] 60% LTV, 2.15% (3.9% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18791] 60% LTV, 3.49% (4.3% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18790] 70% LTV, 2.24% (3.9% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18789] 70% LTV, 3.49% (4.3% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18788] 75% LTV, 2.26% (3.9% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18739] 75% LTV, 3.64% (4.4% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

Rate Changes

 

Semi Exclusive

 

Residential

 

2 year fixed rate purchase

 

[FO18717] 70% LTV, increasing by 1bps from 1.69% to 1.70% (4.0% APRC, 4.24% SVR), £995 product fee, £350 cashback

[FO18718] 75% LTV, increasing by 1bps from 1.69% to 1.70% (4.0% APRC, 4.24% SVR), £995 product fee, £350 cashback

[FO18719] 85% LTV, decreasing by 1bps from 1.83% to 1.82% (4.0% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18720] 90% LTV, decreasing by 7bps from 2.01% to 1.94% (4.0% APRC, 4.24% SVR), £995 product fee, £350 cashback

 

5 year fixed rate purchase

 

[FO18722] 60% LTV, increasing by 1bps from 1.96% to 1.97% (3.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18723] 60% LTV, increasing by 6bps from 2.23% to 2.29% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18724] 70% LTV, increasing by 5bps from 1.97% to 2.02% (3.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18725] 70% LTV, increasing by 2bps from 2.28% to 2.30% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18726] 75% LTV, increasing by 8bps from 1.97% to 2.05% (3.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18727] 75% LTV, increasing by 1bps from 2.29% to 2.30% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18728] 80% LTV, increasing by 2bps from 2.15% to 2.17% (3.6% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18729] 85% LTV, increasing by 5bps from 2.22% to 2.27% (3.6% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18730] 85% LTV, increasing by 1bps from 2.60% to 2.61% (3.7% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18731] 90% LTV, increasing by 1bps from 2.66% to 2.67% (3.7% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

2 year fixed rate remortgage

 

[FO18732] 80% LTV, increasing by 1bps from 1.77% to 1.78% (4.0% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18743] 85% LTV, increasing by 2bps from 1.90% to 1.92% (3.9% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18744] 90% LTV, increasing by 3bps from 2.06% to 2.09% (3.9% APRC, 4.24% SVR), £995 product fee, £250 cashback

 

5 year fixed rate remortgage

 

[FO18747] 60% LTV, increasing by 1bps from 1.96% to 1.97% (3.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18748] 60% LTV, increasing by 2bps from 2.22% to 2.24% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18749] 70% LTV, increasing by 3bps from 1.99% to 2.02% (3.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18750] 70% LTV, increasing by 4bps from 2.22% to 2.26% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18751] 75% LTV, increasing by 1bps from 2.01% to 2.02% (3.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18752] 75% LTV, increasing by 1bps from 2.25% to 2.26% (3.5% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18753] 80% LTV, increasing by 1bps from 2.18% to 2.19% (3.5% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18754] 80% LTV, increasing by 1bps from 2.39% to 2.40% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18755] 85% LTV, increasing by 1bps from 2.21% to 2.22% (3.6% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18756] 85% LTV, increasing by 2bps from 2.49% to 2.51% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18757] 90% LTV, increasing by 1bps from 2.40% to 2.41% (3.6% APRC, 4.24% SVR), £995 product fee, £500 cashback

[FO18758] 90% LTV, increasing by 14bps from 2.61% to 2.75% (3.7% APRC, 4.24% SVR), £0 product fee, £500 cashback

 

First time Buyer 5 year fixed rate purchase

 

[FO18759] 80% LTV, increasing by 2bps from 2.47% to 2.49% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18760] 85% LTV, increasing by 1bps from 2.53% to 2.54% (3.6% APRC, 4.24% SVR), £0 product fee, £500 cashback

[FO18761] 90% LTV, decreasing by 7bps from 2.76% to 2.69% (3.7% APRC, 4.24% SVR), £0 product fee, £750 cashback

 

Buy to Let

Rate changes

 

2 year fixed rate purchase

 

[FO18762] 60% LTV, increasing by 8bps from 1.88% to 1.96% (4.5% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18763] 60% LTV, increasing by 4bps from 2.38% to 2.42% (4.4% APRC, 4.74% SVR), £0 product fee, £250 cashback

[FO18764] 70% LTV, increasing by 11bps from 2.04% to 2.15% (4.5% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18765] 75% LTV, increasing by 9bps from 2.18% to 2.27% (4.5% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18766] 75% LTV, increasing by 2bps from 2.79% to 2.81% (4.1% APRC, 4.74% SVR), £0 product fee, £250 cashback

 

5 year fixed rate purchase

 

[FO18767] 70% LTV, increasing by 3bps from 2.83% to 2.86% (4.1% APRC, 4.74% SVR), £0 product fee, £250 cashback

[FO18768] 75% LTV, increasing by 2bps from 2.64% to 2.66% (4.1% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18769] 75% LTV, increasing by 2bps from 2.89% to 2.91% (4.1% APRC, 4.74% SVR), £0 product fee, £250 cashback

 

2 year fixed rate remortgage

 

[FO18770] 60% LTV, increasing by 4bps from 1.78% to 1.82% (4.4% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18771] 60% LTV, increasing by 1bps from 2.47% to 2.48% (4.4% APRC, 4.74% SVR), £0 product fee, £250 cashback

[FO18772] 70% LTV, increasing by 1bps from 2.01% to 2.02% (4.4% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18773] 75% LTV, increasing by 2bps from 2.04% to 2.06% (4.4% APRC, 4.74% SVR), £995 product fee, £250 cashback

 

5 year fixed rate remortgage

 

[FO18774] 60% LTV, increasing by 4bps from 2.23% to 2.29% (4.0% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18775] 60% LTV, increasing by 1bps from 2.50% to 2.55% (3.9% APRC, 4.74% SVR), £0 product fee, £250 cashback

[FO18776] 70% LTV, increasing by 1bps from 2.60% to 2.68% (4.1% APRC, 4.74% SVR), £995 product fee, £250 cashback

[FO18777] 70% LTV, increasing by 2bps from 2.85% to 2.99% (4.1% APRC, 4.74% SVR), £0 product fee, £250 cashback

[FO18778] 75% LTV, increasing by 2bps from 2.88% to 3.08% (4.1% APRC, 4.74% SVR), £0 product fee, £250 cashback

 

Core Range

 

Residential

 

Rate Changes

 

2 year fixed rate purchase

 

[FO18664] 60% LTV, increasing by 1bps from 1.49% to 1.50% (4.0% APRC, 4.24% SVR), £995 product fee, £250 cashback

[FO18665] 95% LTV, increasing by 9bps from 3.20% to 3.29% (4.2% APRC, 4.24% SVR), £0 product fee, £250 cashback

 

5 year fixed rate purchase

 

[FO18666] 80% LTV, increasing by 2bps from 2.21% to 2.23% (3.6% APRC, 4.24% SVR), £995 product fee, £250 cashback

 

2 year fixed rate remortgage

 

[FO18667] 60% LTV, increasing by 36bps from 1.54% to 1.90% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18668] 60% LTV, increasing by 25bps from 2.44% to 2.69% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18669] 70% LTV, increasing by 50bps from 1.59% to 2.09% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18670] 70% LTV, increasing by 30bps from 2.49% to 2.79% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18671] 75% LTV, increasing by 50bps from 1.59% to 2.09% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18672] 75% LTV, increasing by 30bps from 2.49% to 2.79% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18690] 80% LTV, increasing by 36bps from 1.82% to 2.18% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18674] 80% LTV, increasing by 35bps from 2.54% to 2.89% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18691] 85% LTV, increasing by 40bps from 1.98% to 2.38% (4.1% APRC, 4.24% SVR), £995 product fee

[FO18675] 85% LTV, increasing by 44bps from 2.54% to 2.98% (4.1% APRC, 4.24% SVR), £0 product fee

[FO18692] 90% LTV, increasing by 39bps from 2.31% to 2.70% (4.1% APRC, 4.24% SVR), £995 product fee

[FO18676] 90% LTV, increasing by 49bps from 2.59% to 3.08% (4.1% APRC, 4.24% SVR), £0 product fee

 

5 year fixed rate remortgage

 

[FO18677] 60% LTV, increasing by 50bps from 1.94% to 2.44% (3.7% APRC, 4.24% SVR), £995 product fee

[FO18678] 60% LTV, increasing by 46bps from 2.49% to 2.97% (3,8% APRC, 4.24% SVR), £0 product fee

[FO18679] 70% LTV, increasing by 50bps from 2.08% to 2.58% (3.7% APRC, 4.24% SVR), £995 product fee

[FO18680] 70% LTV, increasing by 49bps from 2.54% to 3.03% (3.8% APRC, 4.24% SVR), £0 product fee

[FO18681] 75% LTV, increasing by 40bps from 2.23% to 2.73% (3.8% APRC, 4.24% SVR), £995 product fee

[FO18682] 75% LTV, increasing by 50bps from 2.55% to 3.05% (3.8% APRC, 4.24% SVR), £0 product fee

[FO18683] 80% LTV, increasing by 49bps from 2.34% to 2.83% (3.8% APRC, 4.24% SVR), £995 product fee

[FO18684] 80% LTV, increasing by 50bps from 2.67% to 3.17% (3.9% APRC, 4.24% SVR), £0 product fee

[FO18685] 85% LTV, increasing by 43bps from 2.70% to 3.13% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18686] 85% LTV, increasing by 50bps from 2.88% to 3.38% (4.0% APRC, 4.24% SVR), £0 product fee

[FO18687] 90% LTV, increasing by 50bps from 2.78% to 3.28% (4.0% APRC, 4.24% SVR), £995 product fee

[FO18688] 90% LTV, increasing by 50bps from 3.24% to 3.74% (4.1% APRC, 4.24% SVR), £0 product fee

 

2 year fixed rate remortgage – High Value

 

[FO18779] 60% LTV, increasing by 36bps from 1.53% to 1.65% (3.9% APRC, 4.24% SVR), £995 product fee

[FO18780] 70% LTV, increasing by 25bps from 1.58% to 1.79% (3.4% APRC, 4.24% SVR), £995 product fee

 

5 year fixed rate remortgage – High Value

 

[FO18781] 60% LTV, increasing by 21bps from 1.93% to 2.14% (3.5% APRC, 4.24% SVR), £995 product fee

[FO18782] 70% LTV, increasing by 29bps from 1.99% to 2.28% (3.4% APRC, 4.24% SVR), £995 product fee

[FO18783] 75% LTV, increasing by 44bps from 1.99% to 2.43% (3.6% APRC, 4.24% SVR), £995 product fee

 

First time Buyer 5 year fixed rate purchase

 

[FO18689] 90% LTV, decreasing by 4bps from 3.72 to 3.68% (4.1% APRC, 4.24% SVR), £0 product fee, £250 cashback

 

2 year Help to Buy Shared Equity Remortgage

 

[FO18693] 60% LTV, increasing by 31bps from 1.85% to 2.16% (4.0% APRC, 4.24% SVR), £995 product fee, £500 Cashback

[FO18694] 60% LTV, increasing by 25bps from 2.90% to 3.15% (4.2% APRC, 4.24% SVR), £0 product fee, £500 Cashback

[FO18695] 70% LTV, increasing by 29bps from 1.88% to 2.17% (4.0% APRC, 4.24% SVR), £995 product fee, £500 Cashback

[FO18696] 70% LTV, increasing by 41bps from 2.90% to 3.31% (4.2% APRC, 4.24% SVR), £0 product fee, £500 Cashback

[FO18697] 75% LTV, increasing by 37bps from 1.96% to 2.33% (4.1% APRC, 4.24% SVR), £995 product fee, £500 Cashback

[FO18698] 75% LTV, increasing by 41bps from 2.90% to 3.31% (4.2% APRC, 4.24% SVR), £0 product fee, £500 Cashback

 

5 year Help to Buy Shared Equity Remortgage

 

[FO18699] 60% LTV, increasing by 21bps from 2.15% to 2.36% (3.7% APRC, 4.24% SVR), £995 product fee, £500 Cashback

[FO18700] 60% LTV, increasing by 95bps from 3.49% to 4.44% (4.4% APRC, 4.24% SVR), £0 product fee, £500 Cashback

[FO18701] 70% LTV, increasing by 16bps from 2.24% to 2.40% (3.7% APRC, 4.24% SVR), £995 product fee, £500 Cashback

[FO186702] 70% LTV, increasing by 95bps from 3.49% to 4.44% (4.4% APRC, 4.24% SVR), £0 product fee, £500 Cashback

[FO186703] 75% LTV, increasing by 16bps from 2.24% to 2.40% (3.6% APRC, 4.24% SVR), £995 product fee, £500 Cashback

[FO186704] 75% LTV, increasing by 104bps from 3.59% to 4.63% (4.5% APRC, 4.24% SVR), £0 product fee, £500 Cashback

 

Buy to Let

 

Rate changes

 

2 year fixed rate remortgage

 

[FO18706] 60% LTV, increasing by 50bps from 2.77% to 3.27% (4.6% APRC, 4.74% SVR), £0 product fee

[FO18708] 70% LTV, increasing by 50bps from 3.02% to 3.52% (4.6% APRC, 4.74% SVR), £0 product fee

[FO18710] 75% LTV, increasing by 50bps from 3.07% to 3.57% (4.6% APRC, 4.74% SVR), £0 product fee

 

5 year fixed rate remortgage

 

[FO18712] 60% LTV, increasing by 50bps from 3.04% to 3.54% (4.3% APRC, 4.74% SVR), £0 product fee

[FO18711] 60% LTV, increasing by 13bps from 2.31% to 2.44% (4.0% APRC, 4.74% SVR), £995 product fee

[FO18714] 70% LTV, increasing by 50bps from 3.48% to 3.98% (4.5% APRC, 4.74% SVR), £0 product fee

[FO18713] 70% LTV, increasing by 4bps from 2.79% to 2.83% (4.2% APRC, 4.74% SVR), £995 product fee

[FO18716] 75% LTV, increasing by 50bps from 3.57% to 4.07% (4.6% APRC, 4.74% SVR), £0 product fee

[FO18715] 75% LTV, increasing by 9bps from 2.79% to 2.88% (4.2% APRC, 4.74% SVR), £995 product fee

 

Buy to Let

 

Rate changes and fee changes

 

2 year fixed rate remortgage

 

[FO18705] 60% LTV, increasing by 30bps from 1.84% to 2.04% (4.6% APRC, 4.74% SVR), Fee increasing to £1,995 from £995

[FO18707] 70% LTV, increasing by 21bps from 2.38% to 2.59% (4.7% APRC, 4.74% SVR), Fee increasing to £1,995 from £995

[FO18709] 75% LTV, increasing by 27bps from 2.51% to 2.78% (4.7% APRC, 4.74% SVR), Fee increasing to £1,995 from £995

 

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 Tuesday 11th December 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 27th December 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 12th December 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 14th December 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.

Overall Best Lender for Service at the Financial Adviser Service Awards 2018


Thursday 22nd November

NatWest Intermediary Solutions voted Overall Best Lender for Service at the Financial Adviser Service Awards 2018.  We are delighted to have received another 5 Star Award and Overall Best Lender for Service in the Mortgage Lenders and Packagers category at the Financial Adviser Service Awards 2018. These awards are voted for by intermediaries and are regarded as the blue riband measure for the financial services industry.

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.

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