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Mortgages in the UK
For homeowners and investors buying property in the United Kingdom
To apply you must be 18+ and resident in the Channel Islands, Isle of Man or Gibraltar. Green Mortgages are available on selected products for UK properties with a valid energy performance certificate (EPC) rating of A or B.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
UK mortgages with NatWest International
We have a range of UK mortgage options available for residents in the Channel Islands, Isle of Man or Gibraltar.
If you're purchasing a UK property with an energy performance certificate (EPC) rating of A or B, you may be able to benefit from a Green Mortgage.
If you are a UK expatriate or foreign national looking to purchase property in the United Kingdom, please visit our International mortgage section.
Mortgages are offered by The Royal Bank of Scotland International Limited trading as NatWest International (NatWest International). Mortgages on UK properties may not be available to residents of all countries. Fixed rate mortgages are subject to availability. The Bank reserves the right to withdraw the rates offered without notice.
Our UK Buy to Live mortgages
If you are buying a home in the UK with an EPC rating of A or B, you may be eligible for our Green Mortgage.
Fixed Term mortgages
With a fixed rate mortgage your repayments will stay the same until the end of the fixed-rate period, even if interest rates change.
Term
2 Year Fixed Rate
2 Year Fixed Rate Green Mortgage*
3 Year Fixed Rate
5 Year Fixed Rate
2 Year Fixed Rate
2 Year Fixed Rate Green Mortgage*
3 Year Fixed Rate
5 Year Fixed Rate
Initial rate
5.68%
5.63%
5.52%
5.32%
5.78%
5.73%
5.62%
5.42%
Tracking
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Rate end date
30/04/2026
30/04/2026
30/04/2027
30/04/2029
30/04/2026
30/04/2026
30/04/2027
30/04/2029
Rate thereafter (variable)
8.24%
8.24%
8.24%
8.24%
8.24%
8.24%
8.24%
8.24%
Maximum loan to value
70%
70%
70%
70%
80%
80%
80%
80%
Minimum product fee
£1,000
£1,000
£1,000
£1,000
£1,000
£1,000
£1,000
£1,000
* A/B energy efficiency ratings to support Green Mortgage applications must be confirmed on a current EPC provided by a registered domestic assessor.
Base Rate Tracker mortgages
With tracker rate mortgages, your interest rate will rise and fall in line with changes to the NatWest International Bank Base Rate.
Product & term
2 Year Base Rate Tracker
2 Year Base Rate Tracker
Initial rate
6.60%
6.70%
Tracking
Bank's Base Rate + 1.35%
Bank's Base Rate + 1.45%
Rate end date
30/04/2026
30/04/2026
Rate thereafter (variable)
8.24%
8.24%
Loan to value
70%
80%
Minimum product fee
£1,000
£1,000
More information about our mortgages
Our Base Rate Tracker mortgages track the Bank’s Base Rate. The interest rate and monthly repayments on your mortgage will change when the Bank's Base Rate changes.
Early repayment charge (payable of capital sum repaid early)
No early repayment charge
Other information
- Minimum loan £100,000
- Drawdown fee £30
- Product fee is 0.75% of the loan amount with a minimum fee of £1,000 (maximum fee £5,000)
Early repayment charge (payable of capital sum repaid early)
2% until 30/04/2025
1% until 30/04/2026
Other information
- Minimum loan £100,000
- Drawdown fee £30
- Product fee is 0.75% of the loan amount with a minimum fee of £1,000 (maximum fee £5,000)
Early repayment charge (payable of capital sum repaid early)
3% until 30/04/2025
2% until 30/04/2026
1% until 30/04/2027
Other information
- Minimum loan £100,000
- Drawdown fee £30
- Product fee is 0.75% of the loan amount with a minimum fee of £1,000 (maximum fee £5,000)
Early repayment charge (payable of capital sum repaid early)
5% until 30/04/2025
4% until 30/04/2026
3% until 30/04/2027
2% until 28/04/2028
1% until 30/04/2029
Other information
- Minimum loan £100,000
- Drawdown fee £30
- Product fee is 0.75% of the loan amount with a minimum fee of £1,000 (maximum fee £5,000)
Fixed rate representative example
A mortgage of £200,000 payable over 25 years initially on a fixed rate for 2 years at 5.68% and then our variable rate of 8.24% for the remaining 23 years would require 24 monthly payments of £1,245.32 and 276 payments of £1,542.57. The total amount payable would be £455,637.00 made up of the loan amount of £200,000 plus interest of £255,637.00. A product fee of £1,500 a valuation fee of £255 and a CHAPS fee of £30 are also payable.
The overall cost for comparison is 8.0% APRC representative.
Important information
All figures provided are for illustrative purpose only. This is not a formal quotation or a commitment to lend. This will be dependent on your financial situation, property value and the size of your deposit or equity.
Mortgages are offered by The Royal Bank of Scotland International Limited trading as NatWest International (NatWest International). Mortgages on UK properties may not be available to residents of all countries. Fixed rate mortgages are subject to availability. The Bank reserves the right to withdraw the rates offered without notice.
New applications must be submitted via an FCA regulated Mortgage Broker.
Our UK Buy to Let mortgages
If you are buying a home in the UK with an EPC rating of A or B, you may be eligible for our Green Mortgage.
Fixed Term mortgages
With a fixed rate mortgage your repayments will stay the same until the end of the fixed-rate period, even if interest rates change.
Product & term
2 Year Fixed Rate
2 Year Fixed Rate Green Mortgage*
3 Year Fixed Rate
5 Year Fixed Rate
2 Year Fixed Rate
2 Year Fixed Rate Green Mortgage*
3 Year Fixed Rate
5 Year Fixed Rate
Initial rate
5.72%
5.67%
5.56%
5.31%
5.92%
5.87%
5.66%
5.56%
Tracking
N/A
N/A
N/A
N/A
N/A
N/A
N/A
N/A
Rate end date
30/04/2026
30/04/2026
30/04/2027
30/04/2029
30/04/2026
30/04/2026
30/04/2027
30/04/2029
Rate thereafter (variable)
8.24%
8.24%
8.24%
8.24%
8.24%
8.24%
8.24%
8.24%
Loan to value
60%
60%
60%
60%
75%
75%
75%
75%
Minimum product fee
£1,000
£1,000
£1,000
£1,000
£1,000
£1,000
£1,000
£1,000
* A/B energy efficiency ratings to support Green Mortgage applications must be confirmed on a current EPC provided by a registered domestic assessor.
Base Rate Tracker mortgages
With tracker rate mortgages, your interest rate will rise and fall in line with changes to the NatWest International Bank Base Rate.
Product & term
2 Year Base Rate Tracker
2 Year Base Rate Tracker
Initial rate
6.64%
6.84%
Tracking
Bank's Base Rate + 1.39%
Bank's Base Rate + 1.59%
Rate end date
30/04/2026
30/04/2026
Rate thereafter (variable)
8.24%
8.24%
Loan to value
60%
75%
Minimum product fee
£1,000
£1,000
More information about our mortgages
Our Base Rate Tracker mortgages track the Bank’s Base Rate. The interest rate and monthly repayments on your mortgage will change when the Bank's Base Rate changes.
Early repayment charge (payable of capital sum repaid early)
No early repayment charge
Other information
- Minimum loan £100,000
- Drawdown fee £30
- Product fee is 1.00% of the loan amount with a minimum fee of £1,000 (maximum fee £5,000)
Early repayment charge (payable of capital sum repaid early)
2% until 30/04/2025
1% until 30/04/2026
Other information
- Minimum loan £100,000
- Drawdown fee £30
- Product fee is 1.00% of the loan amount with a minimum fee of £1,000 (maximum fee £5,000)
Early repayment charge (payable of capital sum repaid early)
3% until 30/04/2025
2% until 30/04/2026
1% until 30/04/2027
Other information
- Minimum loan £100,000
- Drawdown fee £30
- Product fee is 1.00% of the loan amount with a minimum fee of £1,000 (maximum fee £5,000)
Early repayment charge (payable of capital sum repaid early)
5% until 30/04/2025
4% until 30/04/2026
3% until 30/04/2027
2% until 28/04/2028
1% until 30/04/2029
Other information
- Minimum loan £100,000
- Drawdown fee £30
- Product fee is 1.00% of the loan amount with a minimum fee of £1,000 (maximum fee £5,000)
Important information
All figures provided are for illustrative purpose only. This is not a formal quotation or a commitment to lend. This will be dependent on your financial situation, property value and the size of your deposit or equity.
You must currently own no more than 9 Buy to Let properties and your maximum borrowing amount cannot exceed £3.5 million. Buy to Let properties are subject to a minimum purchase price of £150,000.
Mortgages are offered by The Royal Bank of Scotland International Limited trading as NatWest International (NatWest International). Mortgages on UK properties may not be available to residents of all countries. Fixed rate mortgages are subject to availability. The Bank reserves the right to withdraw the rates offered without notice.
Mortgage help and support
Take advantage of our mortgage resources which are here to help you better understand the process, the terms, and our available products.