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NatWest: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 4.6 (204 reviews)

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4.60

Based on 204 reviews, last reviewed 7th Jun 2026

150% 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:

5

Thankful Such an easy to use app to track mortgage payments, have spoken on the phone and been connected to an agent so quickly to have all my queries answered... Read more Reviewed on: 7th June 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 (204)

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

Money not given at cash machine

Now, this might not happen to many, but my £200 didn’t come out the cash machine, I was debited the money out my account. I called up on the same day and told them that no money came out the cash machine, after a while of waiting I walked away from the machine after taking my card. They said I have to wait for them to investigate with the atm provider, after 3 weeks of waiting they said the atm provider said they was no error with the cash machine, I asked if they checked the cash machine cctv cameras as I’m 100% sure no money was given. They said they don’t know! what the atm provider investigates. Anyway simply closed my account and they can have my hard earned money. Why would I want to bank with these people. I am getting some inheritance money soon so happy to be putting that in a safer bank. Reviewed on: 11th June 2022

Worst bank ever

I was a victim of fraud and Natwest did nothing other than blame me for leaving my phone around. I’ve been mentally affected and now receiving treatment Reviewed on: 21st May 2022

Disgusting company

Had a mortgage for years and regularly switched to a new deal as an existing one came to an end. When it came to the last few years and my current deal ended , I was refused a new deal as the mortgage only had 23 months to run. This left me high and dry currently paying 4.24% and due to rise again at least DOUBLE the going rate on a deal. Disgusting way to treat a long term customer, totally untrustworthy company , clearly happy to put the boot in at the first opportunity. There are plenty of other providers out there as I tell all my friends. Why bother with this shower of money grabbers. Reviewed on: 9th May 2022

Uncomplicated, good customer service

I have found my experience with Natwest to be straight forward their customer service erpresenntatives to be freindly. I love the easy to use app. Reviewed on: 4th April 2022

Natwest mortgage customer

I got my mortgage with natwest in November 2020. The process was straight forward and smooth. The staff at natwest made me feel at ease and advised me every step of the way. I now have applied for a current account with them and will be looking at saving account too. Reviewed on: 16th March 2022

Quick easy paperless

Mortgage application done quickly and efficiently, all paperless, well informed throughout the process Reviewed on: 11th March 2022

Brilliant service in lockdown

So easy to do which was a godsend as I’m a NHS frontline worker and my husband worked all through the pandemic (IT Security BT). Reviewed on: 10th March 2022

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