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NatWest: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 4.28 (196 reviews)

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4.09

Based on 196 reviews, last reviewed 17th Jun 2025

50% decrease in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

71%

13%

14%

Latest highest rating:

5

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

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

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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.

NatWest Fixed Rate Mortgage reviews (196)

Review of the NatWest, Fixed Rate Mortgage:

Easy to set up

Easy to set up and manage with great rates Reviewed on: 30th January 2020

Good product

Best rate at the time of viewing Reviewed on: 19th January 2023

Excellent!

Excellent online application. Great customer service. Reviewed on: 14th January 2023

Personal service with good value

Personal meeting arranged on video call, very informative and helpful. The right product was offered and dealt with very professionally without any fuss or worry Reviewed on: 13th January 2023

Great service

Great service Been with them for many years Reviewed on: 12th January 2023

Shocking

Shocking bank I earn close to 55 a year never missed a payment I have a very small mortgage I was looking at taking money from the house due to flood damage (insurance didn’t wanna help NatWest also) knocked me back said I couldn’t afford it which I comfortably can? I would avoid this bank like the plague unless your wealthy they have no interest in the common person out of touch if I could give 0 stars I would Reviewed on: 4th January 2023

Endless errors nearly caused us to abort!

We are in the process of taking out a 5 year fixed first time buyers mortgage with NatWest. NatWest managed to record the wrong address on the loan offer letter despite valuing the correct house. It then took several weeks to amend the address on the offer letter, which takes about 5 minutes to do. We finally received the revised letter through ready for exchange and the postcode is still wrong! Every time you speak to them or request basic changes it’s a minimum 7 day wait time and usually far longer. They’ve been a nightmare to deal with from the start and I wouldn’t recommend choosing them as a provider! Absolute nightmare! Reviewed on: 9th December 2022

Took ages and then declined.

My partner and I earn £80k a year, and were going after a relatively cheap house of £225k, with a £200k mortgage. NatWest tooks weeks and weeks and wasted out time..Because my partner is the director of their own company, NatWest didn't seem to want to lend us any money, even though we've spend years and years paying rent to greedy landlords and never missed a payment. They seem to not want to help people who are self employed or run their own company. I'd suggest avoiding them of you are in a similar circumstances. I bank with NatWest and as soon as I get a mortgage they can get lost, inwojt bank with them again. Reviewed on: 29th November 2022

Useless bank - DO NOT TRUST

They messed up my application. They somehow found a different property in my name when there was nothing on my credit file to indicate this. Then they blamed the broker. I raised a complaint and they still haven't responded and now breached FCA regulations. Trying to reach them is impossible. Save yourself the hassle and avoid them Reviewed on: 15th October 2022

Good service, middling price

Helpful and understanding, but the cost is no better than average. Reviewed on: 21st September 2022

Random unnecessary changes

I can no longer view my balance after each transaction on the app. This useful feature was removed for some reason and there are similar pointless changes whenever the app gets updated. Reviewed on: 6th August 2022

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