NatWest cuts residential and buy-to-let rates by up to 0.43%

The lender's lowest residential rate is now at 4.95%.

Related topics:  NatWest,  Mortgage rates
Rozi Jones | Editor, Financial Reporter
14th October 2026
NatWest

NatWest has announced rate reductions of up to 0.43% across its core and semi-exclusive residential and buy-to-let product ranges.

Available from tomorrow, two-year fixed rate residential purchase products have reduced by up to 0.10%, now starting from 5.04% at 60% LTV with a £1,495 fee.

Five-year fixed rates have decreased by up to 8bps, with the lowest rate at 60% LTV now at 4.95%.

Selected two-year tracker purchase products have reduced by up to 4bps, starting from 4.08%, with first-time buyer products also seeing smaller rate cuts of up to 5bps.

Green purchase and remortgage rates are decreasing by up to 0.10%, also starting from 4.95%.

In NatWest's broader residential remortgage range, rates are down by up to 17bps, with the largest reductions across five-year fixed rates at 85% and 90% LTV.

The largest reduction is to a two-year fixed rate buy-to-let purchase product at 75% LTV, down by 0.43% to 4.16% with a £3,999 fee.

Elsewhere in the buy-to-let range, five-year purchase rates have been trimmed by 1bp and remortgage rates are reducing by up to 9bps.

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