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NatWest: Fixed Rate Mortgage reviews

4.62
Based on 205 reviews, last reviewed 14th Jun 2026
200% 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
73%
See only 4 star reviews
13%
See only 3 star reviews
1%
See only 2 star reviews
0%
See only 1 star reviews
13%

Latest highest rating:

5

Remortgage with customer focused interests! Took out a remortgage after previous one ended fixed term. Natwest provided an offer, the interest rates then dropped and so was the interest rate on ... Read more Reviewed on: 14th June 2026
Maria De-Ninis's avatar
Maria De-Ninis

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.

NatWest Fixed Rate Mortgage reviews (205)

Review of the NatWest, Fixed Rate Mortgage:

Mortgage

5
My first home was mortgaged with Halifax and my current home is mortgaged with NatWest. I never had a bad word to say about Halifax but I would say that NatWest have been more incontact. The app is really quite good as I can see exactly where my mortgage stands and I can access this at anytime, their call centre staff seem knowledgeable and the waiting time hasn't been too long when I've needed to phone. The only thing I would say is that some of their processes are a bit in the stone age... Like having to send a written letter in to update your contact details? There's no real reason why the call centre staff should be prevented from updating your details over the phone but I suppose it did make me find out where my local postbox is! Reviewed on: 5th March 2023

Easy to swap over no hassle

5
Changing over to Natwest mortgages was easy. A meeting first, paper work then a valuation of house which was all done in quick time. Simple with no hassles Reviewed on: 21st November 2015

Awful experience

1
NatWest constantly miscalculated my mortgage and, due to their calculations, have put me into arrears despite overpaying every month! Their customer service is incompetent and unhelpful. Reviewed on: 26th August 2015

So friendly

5
This was my first mortgage and it was a bit of a scary process for me committing to something as big as a mortgage. But my NatWest mortgage went through with care and support from a highly experienced advisor. Reviewed on: 29th June 2015

Straightforward to set up, with competitive charges and interest rate.

4
We were attracted to NatWest for our fixed rate mortgage because of the low rate and competitive charges. It was easy to set up and the bank's people were pleasant to deal with. Although our valuation was lower than we had anticipated, putting us outside of the best interest rate, the bank honoured the lower rate we had originally quoted. We are NatWest current account holders, so it's easy to see the mortgage going down a little each month via online banking. The 'get out' fee is pretty steep so you are completely tied in for the duration of the fixed term, but I suppose this is the trade off for the peace of mind of a fixed monthly payment. Reviewed on: 28th April 2015

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