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NatWest: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 4.27 (194 reviews)

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4.04

Based on 194 reviews, last reviewed 25th Mar 2025

400% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

71%

13%

14%

Latest highest rating:

4

NatWest flexible and good value for money mortgages 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 fee... Read more Reviewed on: 25th March 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 (194)

Review of the NatWest, Fixed Rate Mortgage:

Good app, good communication

I primarily use the app for checking on my mortgage, works well and the information is clear Reviewed on: 8th February 2023

Zero rating

It's validating to be able to leave NatWest a review score of zero. I'm tied in to their mortgage with no real prospect of escaping, and they are quite literally ruining my life with their constant errors - wrong amount taken on direct debit, no direct debit taken at all, requiring me to make manual payments when they mess up the direct debit, failing to apply the payments to my account, then hounding me for payment of the amounts that I've already paid. They actually reported one of these monthly debacles to credit reference agencies as a missed payment! In 2023 they did this for six consecutive months, so I ended up taking them to the Financial Ombudsman, who ordered them to pay me a load of compensation. But this year, they've started all over again. I've spent more than ten hours on the phone to them so far in 2024, and the customer service is worse than ever. One member of staff actually blamed me for the error! They'd overcharged me, emptying my bank account and putting me into unauthorised overdraft with my bank, told me reverse the direct debit and make a manual payment for the correct amount instead, sent me an email receipt for payment, didn't apply the payment to my account, then sent me arrears letters telling me I hadn't paid. I literally had a receipt, but they argued that because I hadn't made the payment "correctly" then it was actually a late payment! It's exhausting. Reviewed on: 7th April 2024

Very helpful

Very helpful whenever I have needed to contact them Reviewed on: 6th April 2024

NATWEST cancels contract agreements

Every 2 yrs NATWEST cancels my contract agreement without telling me. Then they send ascent agent to knock on my door unexpectedly! Imagine if imtravelling...they will pobably just repossess! So then I have to go through the process of putting a new agreement in place again which is a long and horrifying process of going through all my income!! Reviewed on: 14th March 2024

I’ve always had excellent service from NatWest and t...

I’ve always had excellent service from NatWest and they provide all the information I need about the mortgage. I find the website, app and live chat easy to use and very useful. Reviewed on: 15th February 2024

Warning.

Warning. If you are a sole trader in a legitimate, cash based business DO NOT approach this company for a mortgage. If, like me, you declare your cash takings but choose not to travel 50 miles to the only bank branch still open to deposit them - your bank deposits will not necessarily match your turnover. This problem will only increase because cash is not dying out whereas banks are closing down. This lender has refused to accept the word of HMRC and the SA302s . They have spent over six weeks faffing around before asking for audited accounts, which they should really have done from the outset. Even then there is still no promise of a mortgage at the end of it. Furthermore they are now expecting to see a regular salary being drawn. This is rarely the case with a sole trader, nor is it a requirement of HMRC. My position with the lender has become completely untenable and the application has now been withdrawn. My personal opinion is that this lender shows little understanding of self employment and I advise you to look elsewhere. Reviewed on: 17th January 2024

Good price fixed-rate.

Natwest provided a competitive rate on a 5-year fixed mortgage, and their app is also extremely easy to use. Reviewed on: 3rd August 2023

I wish I could give zero stars

Me and my partner have been treated absolutely awfully during the entire mortgage process, we supplied all of the required paperwork and documents and filled everything out correctly and were left with no news for almost two weeks, we then rang them only to be told we hadn’t selected our marketing preference (which we had) they said it would all be sorted and a few days later we were told they were going to start running our credit checks, almost a week later we have now been told that they’re not going to give us the mortgage for the following reasons: we have a credit card in default, one of us had a bank account with NatWest in 2018 that’s in default, neither of these things are true, neither of us has EVER banked with NatWest and neither of us have or have had a credit card that is defaulted. When we tried to tell the lady on the phone this she hung up. We’ve since been to talk to an independent mortgage advisor who said the same thing has happened to 3 other people in the last week with NatWest. It’s unacceptable that you’re trying to drop people who were promised a certain/lower mortgage rate because you want them to take the higher interest ones. Reviewed on: 12th July 2023

Great Fixed Rate

Got a great fixed rate mortgage 5 months before it was due for renewal last year, saving me £100s as the rates kept going up but the mortgage was guaranteed till renewal. All renewed online, did not have to do any work! Reviewed on: 8th July 2023

No support whatsoever for vulnerable customers

When you get a cancer diagnosis and you have to stop working, you really aren't prepared for the financial difficulties you have you deal with. NatWest mortgage 'support' has made life more difficult and frustrating than I could ever have imagined possible. I have literally had to fight them at every turn just to make the payments. I haven't defaulted. I haven't gone into arrears. I just needed to change the way I paid. Six months, and five formal complaints later I've had to refer the whole nightmare to the FO. They have sucked the very life out of me. But I'm too ill to work, so I can't take my custom elsewhere. I'm chained to this purgatory, probably for the rest of my life. Reviewed on: 11th June 2023

Simple process

We’ve banked with NatWest for 15+ years and have now remortgaged with them. Simple process and a decent fixed rate/term considering the current financial uncertainty. Reviewed on: 1st June 2023

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