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NatWest: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 4.26 (189 reviews)

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4.13

Based on 189 reviews, last reviewed 21st Oct 2024

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

71%

13%

14%

Latest highest rating:

5

Quick and easy first mortgage, then renewal was stra... Quick and easy first mortgage, then renewal was straightforward and no hassle. No complaints. Reviewed on: 18th June 2024

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 (189)

Review of the NatWest, Fixed Rate Mortgage:

Mortgage

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

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 their way of resolving this is to constantly waste my time 'pretending' to search for a solution. Constantly promising that this will be resolved so that I do not escalate the complaint! They honestly think that calling me up during working hours to 'chat' is helping me I just want to change to another provider but their exit fees are ridiculous and of course they keep delaying me without giving me a final response so that I cannot escalate! You might prefer to bank with HSBC, Nationwide, or Halifax all of which I have no problem with. Reviewed on: 21st October 2024

Quick and easy first mortgage, then renewal was stra...

Quick and easy first mortgage, then renewal was straightforward and no hassle. No complaints. Reviewed on: 18th June 2024

I was lucky to secure a 1.

I was lucky to secure a 1.99% interest rate for 5 years on my mortgage in 2021. I’m hoping that they’ll be able to offer a decent rate again when I renew. Ideally close to this but much lower than current offers! Reviewed on: 16th June 2024

Good experience, easy and pleasant.

Good experience, easy and pleasant. Reviewed on: 29th May 2024

three year fixed rate mortgage.

We had a three year fixed rate mortgage. Everything was smooth, bar a few minor hiccups. Reviewed on: 24th May 2024

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

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