NatWest is introducing rate changes to its core and semi-exclusive ranges of residential and buy-to-let purchase mortgages and remortgages tomorrow (30 August).

Mark Bullard, head of sales, said: “We have taken this time to reposition our portfolio to reflect the current market conditions and balance our mix of business. This includes reductions of up to 50bps in selected two and five-year deals.”

CORE RANGE

Residential

RATE CHANGES 

2 year fixed rate purchase

• [FO18025] 90% LTV, decreasing by 6bps from 2.39% to 2.33% (4.1% APRC, 4.24% SVR), £995 product fee

5 year fixed rate purchase

• [FO18026] 70% LTV, decreasing by 1bps from 2.00% to 1.99% (3.5% APRC, 4.24% SVR), £995 product fee, £250 cashback
• [FO18027] 75% LTV, decreasing by 2bps from 2.00% to 1.99% (3.5% APRC, 4.24% SVR), £995 product fee, £250 cashback

2 year fixed rate remortgage

• [FO18029] 60% LTV, decreasing by 25bps from 2.69% to 2.44% (4.0% APRC, 4.24% SVR), £0 product fee
• [FO18028] 60% LTV, decreasing by 36bps from 1.90% to 1.54% (4.0% APRC, 4.24% SVR), £995 product fee
• [FO18032] 70% LTV, decreasing by 30bps from 2.79% to 2.49% (4.0% APRC, 4.24% SVR), £0 product fee
• [FO18031] 70% LTV, decreasing by 50bps from 2.09% to 1.59% (4.0% APRC, 4.24% SVR), £995 product fee
• [FO18034] 75% LTV, decreasing by 30bps from 2.79% to 2.49% (4.0% APRC, 4.24% SVR), £0 product fee
• [FO18033] 75% LTV, decreasing by 50bps from 2.09% to 1.59% (3.9% APRC, 4.24% SVR), £995 product fee
• [FO18036] 80% LTV, decreasing by 35bps from 2.89% to 2.54% (4.0% APRC, 4.24% SVR), £0 product fee
• [FO18035] 80% LTV, decreasing by 40bps from 2.18% to 1.78% (4.0% APRC, 4.24% SVR), £995 product fee
• [FO18038] 85% LTV, decreasing by 44bps from 2.98% to 2.54% (4.0% APRC, 4.24% SVR), £0 product fee
• [FO18037] 85% LTV, decreasing by 50bps from 2.38% to 1.88% (4.0% APRC, 4.24% SVR), £995 product fee
• [FO18040] 90% LTV, decreasing by 49bps from 3.08% to 2.59% (4.0% APRC, 4.24% SVR), £0 product fee
• [FO18039] 90% LTV, decreasing by 50bps from 2.70% to 2.20% (4.0% APRC, 4.24% SVR), £995 product fee

5 year fixed rate remortgage

• [FO18042] 60% LTV, decreasing by 48bps from 2.97% to 2.49% (3.6% APRC, 4.24% SVR), £0 product fee
• [FO18041] 60% LTV, decreasing by 50bps from 2.44% to 1.94% (4.1% APRC, 4.24% SVR), £995 product fee
• [FO18044] 70% LTV, decreasing by 49bps from 3.03% to 2.54% (3.6% APRC, 4.24% SVR), £0 product fee
• [FO18043] 70% LTV, decreasing by 50bps from 2.58% to 2.08% (3.5% APRC, 4.24% SVR), £995 product fee
• [FO18046] 75% LTV, decreasing by 50bps from 3.05% to 2.55% (3.6% APRC, 4.24% SVR), £0 product fee
• [FO18045] 75% LTV, decreasing by 50bps from 2.73% to 2.23% (3.6% APRC, 4.24% SVR), £995 product fee
• [FO18048] 80% LTV, decreasing by 50bps from 3.17% to 2.67% (3.7% APRC, 4.24% SVR), £0 product fee
• [FO18047] 80% LTV, decreasing by 49bps from 2.83% to 2.34% (3.6% APRC, 4.24% SVR), £995 product fee
• [FO18050] 85% LTV, decreasing by 50bps from 3.38% to 2.88% (3.8% APRC, 4.24% SVR), £0 product fee
• [FO18049] 85% LTV, decreasing by 43bps from 3.13% to 2.70% (3.8% APRC, 4.24% SVR), £995 product fee
• [FO18030] 90% LTV, decreasing by 50bps from 3.74% to 3.24% (3.9% APRC, 4.24% SVR), £0 product fee
• [FO18051] 90% LTV, decreasing by 50bps from 3.28% to 2.78% (3.8% APRC, 4.24% SVR), £995 product fee

2 year fixed rate remortgage – High Value

• [FO18082] 60% LTV, decreasing by 12bps from 1.65% to 1.53% (3.9% APRC, 4.24% SVR), £995 product fee
• [FO18083] 70% LTV, decreasing by 21bps from 1.79% to 1.58% (3.9% APRC, 4.24% SVR), £995 product fee
• [FO18084] 75% LTV, decreasing by 21bps from 1.79% to 1.58% (3.9% APRC, 4.24% SVR), £995 product fee

5 year fixed rate remortgage – High Value

• [FO18085] 60% LTV, decreasing by 21bps from 2.14% to 1.93% (3.4% APRC, 4.24% SVR), £995 product fee
• [FO18086] 70% LTV, decreasing by 29bps from 2.28% to 1.99% (3.4% APRC, 4.24% SVR), £995 product fee
• [FO18087] 75% LTV, decreasing by 44bps from 2.43% to 1.99% (3.4% APRC, 4.24% SVR), £995 product fee

Buy-to-let

RATE CHANGES 

2 year fixed rate remortgage

• [FO18053] 60% LTV, decreasing by 50bps from 3.27% to 2.77% (4.5% APRC, 4.74% SVR), £0 product fee
• [FO18055] 70% LTV, decreasing by 50bps from 3.52% to 3.02% (4.5% APRC, 4.74% SVR), £0 product fee
• [FO18057] 75% LTV, decreasing by 50bps from 3.57% to 3.07% (4.6% APRC, 4.74% SVR), £0 product fee

5 year fixed rate remortgage

• [FO18059] 60% LTV, decreasing by 50bps from 3.54% to 3.04% (4.2% APRC, 4.74% SVR), £0 product fee
• [FO18058] 60% LTV, decreasing by 13bps from 2.44% to 2.31% (4.0% APRC, 4.74% SVR), £995 product fee
• [FO18060] 70% LTV, decreasing by 50bps from 3.98% to 3.48% (4.3% APRC, 4.74% SVR), £0 product fee
• [FO18061] 75% LTV, decreasing by 50bps from 4.07% to 3.57% (4.4% APRC, 4.74% SVR), £0 product fee

RATE CHANGES and FEE CHANGES

2 year fixed rate remortgage

• [FO18052] 60% LTV, decreasing by 20bps from 2.04% to 1.84% (4.6% APRC, 4.49% SVR), Fee decreasing from £1,995 to £995
• [FO18054] 70% LTV, decreasing by 21bps from 2.59% to 2.38% (4.7% APRC, 4.49% SVR), Fee decreasing from £1,995 to £995
• [FO18056] 75% LTV, decreasing by 27bps from 2.78% to 2.51% (4.7% APRC, 4.49% SVR), Fee decreasing from £1,995 to £995

Semi-Exclusives

Residential

RATE CHANGES

5 year fixed rate purchase

• [FO18062] 75% LTV, increasing by 2bps from 2.45% to 2.47% (3.6% APRC, 4.24% SVR), £0 Product fee, £500 cashback
• [FO18063] 80% LTV, increasing by 4bps from 2.04% to 2.08% (3.5% APRC, 4.24% SVR), £995 product fee, £350 cashback
• [FO18064] 85% LTV, increasing by 2bps from 2.24% to 2.26% (3.6% APRC, 4.24% SVR), £995 product fee, £500 cashback
• [FO18065] 90% LTV, increasing by 4bps from 2.46% to 2.50% (3.7% APRC, 4.24% SVR), £995 product fee, £350 cashback
• [FO18066] 90% LTV, increasing by 1bps from 3.01% to 3.02% (3.8% APRC, 4.24% SVR), £0 product fee, £500 cashback

5 year fixed rate remortgage

• [FO18067] 80% LTV, increasing by 2bps from 2.10% to 2.12% (3.5% APRC, 4.24% SVR), £995 product fee
• [FO18068] 90% LTV, increasing by 2bps from 2.46% to 2.48% (3.7% APRC, 4.24% SVR), £995 product fee

WITHDRAWALS

2 year fixed rate remortgage

• [FO17803] 60% LTV, 1.61% (4.0% APRC, 4.24% SVR), £995 product fee

Buy-to-let:

RATE CHANGES 

2 year fixed rate remortgage

• [FO18077] 70% LTV, increasing by 1bps from 1.94% to 1.95% (4.5% APRC, 4.74% SVR), £995 product fee

5 year fixed rate remortgage

• [FO18078] 60% LTV, decreasing by 9bps from 2.57% to 2.48% (3.9% APRC, 4.74% SVR), £0 product fee
• [FO18080] 70% LTV, decreasing by 18bps from 2.99% to 2.81% (4.1% APRC, 4.74% SVR), £0 product fee
• [FO18079] 70% LTV, decreasing by 3bps from 2.67% to 2.64% (4.1% APRC, 4.74% SVR), £995 product fee
• [FO18081] 75% LTV, decreasing by 20bps from 3.08% to 2.88% (4.1% APRC, 4.74% SVR), £0 product fee

2 year fixed rate purchase

• [FO18069] 60% LTV, increasing by 3bps from 1.65% to 1.68% (4.4% APRC, 4.74% SVR), £995 product fee
• [FO18070] 75% LTV, increasing by 1bps from 1.93% to 1.94% (4.5% APRC, 4.74% SVR), £995 product fee

5 year fixed rate purchase

• [FO18072] 60% LTV, increasing by 5bps from 2.32% to 2.37% (3.9% APRC, 4.74% SVR), £0 product fee
• [FO18071] 60% LTV, increasing by 5bps from 2.11% to 2.16% (3.9% APRC, 4.74% SVR), £995 product fee
• [FO18073] 70% LTV, increasing by 2bps from 2.61% to 2.63% (4.1% APRC, 4.74% SVR), £995 product fee
• [FO18074] 70% LTV, increasing by 2bps from 2.71% to 2.73% (4.0% APRC, 4.74% SVR), £0 product fee
• [FO18075] 75% LTV, increasing by 2bps from 2.61% to 2.63% (4.1% APRC, 4.74% SVR), £995 product fee
• [FO18076] 75% LTV, increasing by 2bps from 2.75% to 2.77% (4.0% APRC, 4.74% SVR), £0 product fee

WITHDRAWALS:

2 year fixed rate remortgage

• [FO17774] 60% LTV, 1.88% (4.5% APRC, 4.74% SVR), £995 product fee