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NatWest: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 4.23 (201 reviews)

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4.23

Based on 201 reviews, last reviewed 20th Apr 2026

400% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

73%

13%

Latest highest rating:

4

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

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.

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NatWest Fixed Rate Mortgage reviews (201)

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

Delayed process, wrong valuation and worst service

They delay the process without making you aware. Working very close to the deadline so if you miss the deadline with the current mortgage provider you will have to pay variable rate. Isnt professional at all, please shop around. Reviewed on: 2nd August 2022

Avoid, avoid, avoid

Very close to losing sale and purchase, application 24 days in when selected for a "random" UW review, 36 days in no resolution, BDM offered no timescale, phoned daily to be told "don't know" day 38 gave up and moved on. Absolutely no care or consideration given to the customer, doesn't help when everyone is seemingly working from home either. Reviewed on: 19th July 2022

Broken processes with no recourse for customers

Buying our first house and every time the process reaches Natwest there’s a mistake or a delay. - Late sending out offer (letter was dated weeks before we received it) - wrong purchase amount that was off by exactly £100. No worries, we caught and flagged it straight away - two months later this issue was not fixed meaning we can’t request funds - purchase amount now updated but solicitor still can’t request funds. Deposit is paid and less than a week till closing - six calls to them in one week. Every time told our problem was escalated to top priority and would be solved in 24 hours. Still no resolution. Now we’re stuck with NatWest if we want to buy this house. But definitely avoid if there are any other lenders that come close to their interest payments. It’s not the mistakes, it’s the total lack of accountability. Can’t reach any decision maker who could fix our issue - an issue created by NatWest in the first place. Reviewed on: 2nd July 2022

Biased, Useless, rates on the website was different to the one I was offered

While applying for a remortgage online I was asked to provide proof of identity and out of 3 options on their website, I provided my driving license. Having been a customer of Natwest for last 20 years, I was asked to provide proof to remain in UK just because my name isn't English. Upon complaining I wasn't given clear answer and I was given £100 for the inconvenience. I had number of problems with Natwest and their solicitors, I had nothing but issues throughout and delays. During this painful exercise I didnt realise the mortgage interest rate was changed from 2.27 to 2.47.... !!!!!! Just so disappointing from Natwest ... I will not be recommending their services to anyone. Steer clear!!! Reviewed on: 27th June 2022

They are THIEVES!

My account was compromised and it took them not 1, not 2 but 3 calls before they removed a 'token' that was set up using my stolen card with ebay. Even then they did not remove all tokens. During this whole time, the crooks were using my details. This is beyond incompetence, they are the fraud. Do NOT conduct any business with these crooks. I will be closing my account and will ensure they lose at least 50 customers by sharing my horrible experience. Reviewed on: 19th June 2022

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