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NatWest: Fixed Rate Mortgage reviews

4.26
Based on 203 reviews, last reviewed 5th May 2026
100% increase in 5 star reviews
in the past 90 days
No new 1 star reviews
in the past 90 days
See only 5 star reviews
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13%
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13%

Latest highest rating:

5

I’ve had a positive experience with my NatWest fixed... I’ve had a positive experience with my NatWest fixed rate mortgage. One of the biggest benefits has been the peace of mind of knowing exactly what my ... Read more Reviewed on: 5th May 2026
Phil A's avatar
Phil A

Latest lowest rating:

1

Online mortgage has been inaccessible for 2.5 years! Reference number: 84261762 I have not been able to access my online mortgage for 2.5 years because of their faulty IT platforms/systems. And of course... Read more Reviewed on: 21st October 2024
CMBS's avatar
CMBS

About this product

NatWest is a financial services provider offering a range of products and services. Its fixed rate mortgage will offer a set interest rate over a specific amount of time, usually between two to five years, but sometimes ten. It’s important to be confident that you understand the terms, conditions and interest rates of a mortgage. Always ask the lender or an independent advisor if you need help understanding your options.

If a fixed rate mortgage seems right for your circumstances, find out how satisfied homeowners are with NatWest’s product. Our NatWest fixed rate mortgage reviews are written by genuine borrowers with real experience of the lender and product. Gain valuable insight to make an informed decision when taking out your mortgage.

Learn why customers chose the fixed rate mortgage and how satisfied they’ve been throughout the term. Read about the application process and how supportive NatWest was throughout. Find out more about NatWest’s customer service and how well the provider solves its borrowers’ issues. All of this and more can be found in our NatWest fixed rate mortgage reviews.

If you’ve ever taken out a NatWest fixed rate mortgage, write a review on Smart Money People today. Why did you choose the lender and product and are you happy you did? What are the main pros and cons you’ve experienced with the fixed rate mortgage? Don’t forget to include whether you would recommend the lender and product to your family and friends. Share any experience you have with the customer service team. Whether good or bad, write a NatWest fixed rate mortgage review today. Together, we can help people like you make better financial decisions.

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NatWest Fixed Rate Mortgage reviews (203)

I’ve had a positive experience with my NatWest fixed...

5
I’ve had a positive experience with my NatWest fixed rate mortgage. One of the biggest benefits has been the peace of mind of knowing exactly what my monthly repayments will be during the fixed term, which has made budgeting much easier—especially during times when interest rates have been changing. NatWest’s fixed rate mortgages are designed to keep your monthly payments the same for the agreed fixed period, typically 2 or 5 years. Reviewed on: 5th May 2026

Amazing - competitive rates & great customer support

5
Easy to set up, just the right amount of paperwork to not be overwhelming but to keep you informed and they really guide you through the process. This was my first solo mortgage application, so it could have been overwhelming but their advisors really helped to make things clear and easy as possible. The application process and the mortgage offer were completed very quickly and the rate offered was very competitive compared to other high street providers. Great to be able to make flexible overpayments, either one off, or a monthly overpayment with no penalties up to 10%. Easy to keep track of the mortgage balance on the app and has been a very easy, drama free process. Any queries have been answered very quickly by customer service and I would 100% look to remortgage when my fixed rate term runs out. Reviewed on: 24th April 2026

They are good and customer service excellent

4
They are good and customer service excellent Reviewed on: 20th April 2026

Trust in the company

5
Kept .e in the loop and did a 1year review, down to earth spoke on my level Reviewed on: 16th April 2026

Great value

5
They have been really helpful, great value, regular updates on porters Reviewed on: 24th March 2026

Competitive rates and great customer service

5
Competitive rates and great customer service Reviewed on: 25th January 2026

They allow you to overpay by 20% which makes a massi...

5
They allow you to overpay by 20% which makes a massive difference to total amount of interest or term. Reviewed on: 25th January 2026

Everything is explained in details, very clearly , e...

5
Everything is explained in details, very clearly , excellent communication and professional service with support when you need it Reviewed on: 17th June 2025

Easy guide to check on the app.

5
Easy guide to check on the app. Have more control Reviewed on: 12th April 2025

NatWest flexible and good value for money mortgages

4
NatWest has been providing my mortgage for about 6 years, including three renwals of 2-year mortgage products. They offer very good rates, with no fees (through L&C), high flexibility including up to 20% of the outstnding amount repayment. Also, they were flexibleenoughto reduce the mortgage term at no extra cost. Reviewed on: 25th March 2025

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