NatWest increases all purchase and remortgage rates by 0.25%

NatWest has become the latest ‘Big Six’ mortgage lender to increase residential rates this week, following hikes from HSBC and Barclays earlier today.


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Thursday 12th March 2026

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The lender has increased all two and five-year fixed rates across its residential purchase and remortgage ranges, but is one of the few lenders to still be offering a sub-4% rate.

Its lowest two-year fix at 60% LTV is available at 3.97% with a £1,495 fee, and its lowest five-year fixed rate at 60% LTV with a product fee of £1,495 is 4.14%.

Elsewhere in its range, two- and five-year fixed rate remortgages for first time buyers have increased by 0.25%, with two-year products now starting at 4.53% and five-year at 4.59% for an 85% LTV with no product fee.

Both their shared equity and Help to Buy shared equity ranges have seen 0.25% increases too, with the two-year fixed rate purchase for shared equity at 60% LTV now starting at 4.39% or 4.53% for the Help to Buy product.

The lender's buy-to-let range has seen the same changes, with two-year fixed rates for purchase now starting at 4.43% (at 60%) and 4.48% for five-year purchase products.

The bank has also increased the rate on further advances, from between 0.20% to 0.25% depending on the product.

Amy Loddington - Communications director, Barcadia Media

Author:
Amy Loddington Communications director, Barcadia Media
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