Moving your mortgage rate with NatWest can be great for existing customers. This is called a NatWest product transfer, and it allows you to switch to a new mortgage deal without changing lenders. Our simple process makes it easy to transfer your products in minutes.
This will cover everything you need to know about switching your mortgage deal, current NatWest product transfer rates for existing customers and how a mortgage broker can help. Contact us for free mortgage advice and support.
Why stick with NatWest?
- Early Rate Lock: You can lock in a new Natwest mortgage rate up to six months before your current deal ends.
- Quick Processing: No additional underwriting for standalone product transfers.
- Flexible Options: You can change the product and mortgage payments before completion.
- Additional Borrowing: You can apply for additional borrowing simultaneously (subject to underwriting).
NatWest Product Transfer Eligibility
To be eligible for a NatWest product transfer, you must meet the following criteria:
- Customer Type: Available for residential and Buy to Let customers.
- Roll-Off Period: This must be within six months before the current Natwest mortgage deal end date.
- Current Rate: This applies if you are on a standard variable rate (SVR) or within the track and switch eligibility period on a tracker rate.
- Loan Amount: The minimum loan amount to secure a new rate is £10,000.
- Term Remaining: There must be more than 27 months remaining on your mortgage term at the date of applying for the product switch (the end date of the new product must be before the mortgage end date).
NatWest Product Transfer Rates for Existing Customers
NatWest mortgage customers can access a range of fixed and tracker mortgage options for different loan-to-value (LTV) ratios. These exclusive product transfer rates are only available to existing NatWest customers through their online portal. Below are the current residential NatWest product transfer rates as of May 20, 2025. Please note that rates can vary depending on individual circumstances.
NatWest Existing Customer Mortgages – 60% Loan to Value (LTV)
| Type | Rate | Until | Fee | LTV |
|---|---|---|---|---|
| 2 Year Fixed | 3.93% | 31/07/27 | £995 | 60% |
| 2 Year Fixed | 4.04% | 31/07/27 | £495 | 60% |
| 2 Year Fixed | 4.32% | 31/07/27 | £0 | 60% |
| 5 Year Fixed | 3.93% | 31/07/30 | £995 | 60% |
| 5 Year Fixed | 4.03% | 31/07/30 | £495 | 60% |
| 5 Year Fixed | 4.11% | 31/07/30 | £0 | 60% |
NatWest Existing Customer Mortgages – 75% Loan to Value (LTV)
| Type | Rate | Until | Fee | LTV |
|---|---|---|---|---|
| 2 Year Fixed | 4.15% | 31/07/27 | £995 | 75% |
| 2 Year Fixed | 4.34% | 31/07/27 | £0 | 75% |
| 5 Year Fixed | 4.23% | 31/07/30 | £995 | 75% |
| 5 Year Fixed | 4.35% | 31/07/30 | £0 | 75% |
| 2 Yr Tracker | 4.80% | 31/07/27 | £995 | 75% |
| 2 Yr Tracker | 4.17% | 31/07/27 | £0 | 75% |
NatWest Buy to Let Existing Customer Mortgages – 60% Loan to Value (LTV)
| Type | Rate | Until | Fee | LTV |
|---|---|---|---|---|
| 2 Year Fixed | 4.04% | 31/08/27 | £995 | 60% |
| 2 Year Fixed | 4.54% | 31/08/27 | £0 | 60% |
| 5 Year Fixed | 4.08% | 31/08/30 | £995 | 60% |
| 5 Year Fixed | 4.27% | 31/08/30 | £0 | 60% |
NatWest Buy to Let Existing Customer Mortgages – 75% Loan to Value (LTV)
| Type | Rate | Until | Fee | LTV |
|---|---|---|---|---|
| 2 Year Fixed | 4.24% | 31/08/27 | £995 | 75% |
| 2 Year Fixed | 4.74% | 31/08/27 | £0 | 75% |
| 5 Year Fixed | 4.28% | 31/08/30 | £995 | 75% |
| 5 Year Fixed | 4.47% | 31/08/30 | £0 | 75% |
Important Information
NatWest no longer offers a standard set of rates for product transfers. As of July 2024, each customer receives a tailored selection of rates based on their individual circumstances. The rates listed above represent the lowest currently available.
To find out what rates you qualify for, call us on 033 0088 4407 to get your personalised list of NatWest product transfer rates.
Current NatWest Standard Variable Rate
The current NatWest standard variable rate is 7.24% as of May 2025. If you are on this rate, transferring your product on your mortgage balance could be beneficial to get a lower rate. You will have no early repayment charge, so the process should be quick to get you a new monthly payment.
NatWest Product Transfer Rates for Existing Customers
NatWest mortgage customers can access a range of fixed and tracker mortgage options for different loan-to-value (LTV) ratios. These exclusive product transfer rates are only available to existing NatWest customers through their online portal. Below are the current residential NatWest product transfer rates as of June 2025. Please note that rates vary depending on individual circumstances.
NatWest Existing Customer Mortgages – 60% Loan to Value (LTV)
| Type | Rate | Until | Fee | LTV |
|---|---|---|---|---|
| 2 Year Fixed | 3.93% | 31/07/27 | £995 | 60% |
| 2 Year Fixed | 4.04% | 31/07/27 | £495 | 60% |
| 2 Year Fixed | 4.32% | 31/07/27 | £0 | 60% |
| 5 Year Fixed | 3.93% | 31/07/30 | £995 | 60% |
| 5 Year Fixed | 4.03% | 31/07/30 | £495 | 60% |
| 5 Year Fixed | 4.11% | 31/07/30 | £0 | 60% |
NatWest Existing Customer Mortgages – 75% Loan to Value (LTV)
| Type | Rate | Until | Fee | LTV |
|---|---|---|---|---|
| 2 Year Fixed | 4.15% | 31/07/27 | £995 | 75% |
| 2 Year Fixed | 4.34% | 31/07/27 | £0 | 75% |
| 5 Year Fixed | 4.23% | 31/07/30 | £995 | 75% |
| 5 Year Fixed | 4.35% | 31/07/30 | £0 | 75% |
| 2 Yr Tracker | 4.80% | 31/07/27 | £995 | 75% |
| 2 Yr Tracker | 4.17% | 31/07/27 | £0 | 75% |
NatWest Buy to Let Existing Customer Mortgages – 60% Loan to Value (LTV)
| Type | Rate | Until | Fee | LTV |
|---|---|---|---|---|
| 2 Year Fixed | 4.04% | 31/08/27 | £995 | 60% |
| 2 Year Fixed | 4.54% | 31/08/27 | £0 | 60% |
| 5 Year Fixed | 4.08% | 31/08/30 | £995 | 60% |
| 5 Year Fixed | 4.27% | 31/08/30 | £0 | 60% |
NatWest Buy to Let Existing Customer Mortgages – 75% Loan to Value (LTV)
| Type | Rate | Until | Fee | LTV |
|---|---|---|---|---|
| 2 Year Fixed | 4.24% | 31/08/27 | £995 | 75% |
| 2 Year Fixed | 4.74% | 31/08/27 | £0 | 75% |
| 5 Year Fixed | 4.28% | 31/08/30 | £995 | 75% |
| 5 Year Fixed | 4.47% | 31/08/30 | £0 | 75% |
Important Information
NatWest no longer offers a standard set of rates for product transfers. As of July 2024, each customer receives a tailored selection of rates based on their individual circumstances. The rates listed above represent the lowest currently available.
To find out what rates you qualify for, call us on 033 0088 4407 to get your personalised list of NatWest product transfer rates.
NatWest Mortgage Product Transfer – The Process
Did you know switching rates with a NatWest product transfer can be completed on the same day?
- Contact Our Team: Call us or use our secure online NatWest application form.
- Review Options: We will check your NatWest Mortgage Product options and email you a full list on a single sheet.
- Get Expert Help: Our experienced team is available to help you decide on your best option.
- Request Mortgage Offer: Once you have decided, our mortgage team will request a mortgage offer based on the new rate and any additional borrowing.
- Approve Offer Online: You will receive an email with a link to approve your offer online.
Benefits of NatWest Mortgage Product Transfer
- Secure a Rate Up to 6 Months Early: Lock in your new mortgage rate well in advance.
- No Broker Fees: Benefit from our services without any extra costs.
- Same-Day Service: Enjoy efficient, same-day processing for your transfer.
- Paperless Process: Complete your transfer without any paperwork.
- No Valuations Needed: Save time with no need for property valuations.
- No Credit Scoring: Transfer your mortgage without affecting your credit score.
Note: Further advances, term changes, home moves, and removal of a borrower will still require standard underwriting.
Use a Mortgage Broker for your NatWest Product Transfer
A mortgage broker can be a godsend when switching your rate. They’ll give you expert advice, explain the options and guide you through the switch.
At YesCanDo Money, we offer free, full-service mortgage broking to help you through the mortgage product transfer process. Our mortgage team will do the paperwork, give you mortgage advice, and get you the best deal—all for free. Our team of experienced brokers will make it as painless as possible, saving you time and hassle.
- Free Mortgage Advice & Do-it-all service
- 5* rated on Trustpilot
- Smooth process with great communication throughout
- Exclusive broker rates
Frequently Asked Questions
How do I cancel my NatWest product transfer?
You can cancel a mortgage application anytime before the new rate takes effect. Usually, you can do this online or by calling the existing customer team.
Can you be declined a product transfer mortgage?
Yes, it’s possible. Mortgage lenders may decline your application if you’re making changes to your current mortgage, such as loan amount or term.
Can you change a mortgage product after an offer?
Yes, you can switch to a different deal before completion. You may need to pay any outstanding product and new deal fees.
Can I switch my NatWest mortgage early?
If your current deal ends soon, you can switch to a new one without an early repayment charge. However, timing is crucial—remortgage too early, and you’ll face an early repayment charge. If you’re on the Standard Variable Rate, there’s no charge either.
Can you change mortgage term NatWest?
You can change your mortgage term when switching to a new deal. Discuss this with your mortgage broker or directly with NatWest to explore options.
How long does a mortgage switch take?
The process is usually very quick, almost instantaneous. Get a personalised quote online within 10 minutes; no new credit checks are needed.
What is the grace period for porting mortgages NatWest?
When porting your mortgage with NatWest, the grace period for taking your existing mortgage to a new property is typically within six calendar months of your current mortgage rate’s end date (expiry). During this period, you can transfer your mortgage without incurring an Early Repayment Charge (ERC).
Is a remortgage the same as a product transfer?
The term “remortgage” can be used in two ways. It can mean switching your mortgage to a different lender. But it can also mean changing your mortgage deal with your existing lender, which is essentially the same as a product transfer. Both involve switching to a new mortgage product with your existing lender. Both can get you a better rate but are different processes.
What documents do I need for a product transfer?
You won’t need many documents for a product transfer, but it’s a good idea to have your existing mortgage details and ID on hand.
Do I need bank statements for a product transfer?
No, bank statements are not required for a product transfer. But always check with your broker or NatWest to be sure.
How will NatWest Mortgages value my property for a product transfer?
The mortgage products available to you from NatWest depend on your loan-to-value ratio, which is the difference between your mortgage’s outstanding balance and your property value.
NatWest will use house price index valuations for properties up to £350,000 and 60% LTV. For properties outside these limits, NatWest will use various valuation tools to get an up-to-date value. If further valuation is required, NatWest will pay.
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NatWest Product Transfer Form
Product Transfers with NatWest may be available if your existing mortgage, whether it’s a residential or Buy-to-let mortgage, is either on the standard variable rate or is within 6 months of the expiry of fixed or discounted rate agreements.
