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NatWest: Fixed Rate Mortgage reviews

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

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4.13

Based on 196 reviews, last reviewed 17th Jun 2025

No new 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:

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

Really Good Rates

Rates are competitive and mortgage service is excellent. Reviewed on: 31st March 2023

Great functional app

The Natwest app enables me to manage my mortgage with out having to visit a branch or call customer service. I can check the balance, make overpayments, and even renew my deal. Reviewed on: 22nd March 2023

Lost my information, charged me wrongly, gave false information

Lost my information, sent confidential information to someone else for 2 years, lied about it, refused to provide call records, lied to them ombudsmans, destroyed records, charged me without notice, charged me on charges, lied to credit rating agency on charges (to cover previous lies) the list goes on and on. Can i rate them -10? Reviewed on: 21st March 2023

Best service friendly efficient service

Highly recommended superb service Reviewed on: 17th March 2023

Excellent customer service

The NatWest telephone enquiry handling service is excellent. Reviewed on: 16th March 2023

Easy to manage Mortgage

~Very easy to use via the app, easy to contact and fast response time too. Reviewed on: 11th March 2023

Great deal

Process of the mortgage was easy at affordable payments Reviewed on: 11th March 2023

handy

one app including mortgage account amazing Reviewed on: 10th March 2023

Answer

Answer any of my questions and making sure I understand the product that I am apply for Reviewed on: 9th March 2023

Superior Banking experience

Easy to set up mortgage great communication throughout Reviewed on: 8th March 2023

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