Mortgage Rates
NatWest mortgage rate tracker update: cuts across new purchase and remortgage
NatWest has cut 30 tracked mortgage rate rows, led by New Purchase 80% LTV 2-year fixed moving from 4.90% to 4.69% in the RateWatch current mortgage rates UK dataset.
Live NatWest mortgage rate update
NatWest has changed 30 tracked mortgage rate rows across new purchase and remortgage. The latest lender rate-card date for this update is 2026-05-12.
This live RateWatch update clusters the lender's movements into one article so the blog does not publish a separate post for every product, LTV or fee tier.
RateWatch's mortgage rate tracker is built for people checking current mortgage rates UK-wide after lender updates. If you are asking what is the mortgage rate today, the useful answer is the specific lender, borrower type, LTV, term and fee shown below rather than a single market-wide number.
Key movements
58 cuts were detected in this lender update.
- New purchase, New Purchase, 80% LTV: 2-year fixed: 4.90% to 4.69% (-21bps)
- New purchase, New Purchase, 80% LTV: 2-year fixed: 4.95% to 4.74% (-21bps)
- New purchase, New Purchase, 75% LTV: 2-year fixed: 4.84% to 4.64% (-20bps)
- New purchase, New Purchase, 75% LTV: 2-year fixed: 4.89% to 4.69% (-20bps)
- New purchase, New Purchase, 85% LTV: 2-year fixed: 4.93% to 4.74% (-19bps)
- New purchase, New Purchase, 85% LTV: 2-year fixed: 4.98% to 4.79% (-19bps)
- New purchase, New Purchase, 80% LTV: 2-year fixed: 5.15% to 4.97% (-18bps)
- Remortgage, Remortgage, 60% LTV: 5-year fixed: 4.92% to 4.74% (-18bps)
- Remortgage, Remortgage, 80% LTV: 2-year fixed: 5.22% to 5.04% (-18bps)
- Remortgage, Remortgage, 80% LTV: 2-year fixed: 5.27% to 5.09% (-18bps)
Changes by borrower type
Remortgage
| Product | LTV | Fee tier | Arrangement fee | Movement |
|---|---|---|---|---|
| Remortgage | 60% | high_fee | £1,495 fee | 2-year fixed: 4.79% to 4.77% (-2bps) 5-year fixed: 4.92% to 4.74% (-18bps) |
| Remortgage | 60% | low_fee | £995 fee | 2-year fixed: 4.79% to 4.74% (-5bps) 5-year fixed: 4.69% to 4.64% (-5bps) |
| Remortgage | 60% | no_fee | £0 fee | 2-year fixed: 5.09% to 5.04% (-5bps) 5-year fixed: 4.87% to 4.82% (-5bps) |
| Remortgage | 65% | low_fee | £995 fee | 2-year fixed: 4.73% to 4.68% (-5bps) 5-year fixed: 4.63% to 4.58% (-5bps) |
| Remortgage | 75% | high_fee | £1,495 fee | 2-year fixed: 4.87% to 4.84% (-3bps) 5-year fixed: 4.97% to 4.83% (-14bps) |
| Remortgage | 75% | low_fee | £995 fee | 2-year fixed: 4.87% to 4.84% (-3bps) 5-year fixed: 4.97% to 4.83% (-14bps) |
| Remortgage | 75% | no_fee | £0 fee | 5-year fixed: 5.14% to 5.02% (-12bps) |
| Remortgage | 80% | high_fee | £1,495 fee | 2-year fixed: 5.22% to 5.04% (-18bps) 5-year fixed: 5.09% to 4.97% (-12bps) |
| Remortgage | 80% | low_fee | £995 fee | 2-year fixed: 5.27% to 5.09% (-18bps) 5-year fixed: 5.14% to 5.02% (-12bps) |
| Remortgage | 80% | no_fee | £0 fee | 2-year fixed: 5.50% to 5.48% (-2bps) 5-year fixed: 5.26% to 5.20% (-6bps) |
| Remortgage | 85% | high_fee | £1,495 fee | 2-year fixed: 5.22% to 5.04% (-18bps) 5-year fixed: 5.09% to 4.97% (-12bps) |
| Remortgage | 85% | low_fee | £995 fee | 2-year fixed: 5.22% to 5.04% (-18bps) 5-year fixed: 5.09% to 4.97% (-12bps) |
| Remortgage | 85% | no_fee | £0 fee | 5-year fixed: 5.31% to 5.20% (-11bps) |
| Remortgage | 90% | low_fee | £995 fee | 2-year fixed: 5.42% to 5.38% (-4bps) 5-year fixed: 5.26% to 5.18% (-8bps) |
| Remortgage | 90% | no_fee | £0 fee | 2-year fixed: 5.77% to 5.75% (-2bps) 5-year fixed: 5.44% to 5.34% (-10bps) |
New purchase
| Product | LTV | Fee tier | Arrangement fee | Movement |
|---|---|---|---|---|
| New Purchase | 60% | high_fee | £1,495 fee | 2-year fixed: 4.65% to 4.49% (-16bps) 5-year fixed: 4.70% to 4.67% (-3bps) |
| New Purchase | 60% | low_fee | £995 fee | 2-year fixed: 4.70% to 4.54% (-16bps) 5-year fixed: 4.75% to 4.72% (-3bps) |
| New Purchase | 60% | no_fee | £0 fee | 2-year fixed: 4.95% to 4.78% (-17bps) 5-year fixed: 4.89% to 4.84% (-5bps) |
| New Purchase | 75% | high_fee | £1,495 fee | 2-year fixed: 4.84% to 4.64% (-20bps) 5-year fixed: 4.73% to 4.69% (-4bps) |
| New Purchase | 75% | low_fee | £995 fee | 2-year fixed: 4.89% to 4.69% (-20bps) 5-year fixed: 4.78% to 4.74% (-4bps) |
| New Purchase | 75% | no_fee | £0 fee | 2-year fixed: 5.05% to 4.92% (-13bps) 5-year fixed: 4.95% to 4.89% (-6bps) |
| New Purchase | 80% | high_fee | £1,495 fee | 2-year fixed: 4.90% to 4.69% (-21bps) 5-year fixed: 4.80% to 4.74% (-6bps) |
| New Purchase | 80% | low_fee | £995 fee | 2-year fixed: 4.95% to 4.74% (-21bps) 5-year fixed: 4.85% to 4.79% (-6bps) |
| New Purchase | 80% | no_fee | £0 fee | 2-year fixed: 5.15% to 4.97% (-18bps) 5-year fixed: 4.99% to 4.92% (-7bps) |
| New Purchase | 85% | high_fee | £1,495 fee | 2-year fixed: 4.93% to 4.74% (-19bps) 5-year fixed: 4.84% to 4.81% (-3bps) |
| New Purchase | 85% | low_fee | £995 fee | 2-year fixed: 4.98% to 4.79% (-19bps) 5-year fixed: 4.89% to 4.86% (-3bps) |
| New Purchase | 85% | no_fee | £0 fee | 2-year fixed: 5.15% to 5.05% (-10bps) 5-year fixed: 4.99% to 4.92% (-7bps) |
| New Purchase | 90% | low_fee | £995 fee | 2-year fixed: 5.09% to 5.03% (-6bps) 5-year fixed: 5.05% to 5.03% (-2bps) |
| New Purchase | 90% | no_fee | £0 fee | 2-year fixed: 5.35% to 5.33% (-2bps) 5-year fixed: 5.15% to 5.09% (-6bps) |
| New Purchase | 95% | no_fee | £0 fee | 2-year fixed: 5.59% to 5.57% (-2bps) 5-year fixed: 5.39% to 5.34% (-5bps) |
How the new rates compare
The comparisons below use currently tracked lender rows with the same borrower type, LTV and changed term where available.
New purchase: 80% LTV 2-year fixed
- NatWest: 4.69% 2-year fixed, £1,495 fee (New Purchase, 80% LTV, updated 2026-05-12)
- HSBC: 4.84% 2-year fixed, £1,999 fee (Home Mover - Residential, 80% LTV, updated 2026-05-08)
New purchase: 80% LTV 2-year fixed
- HSBC: 4.34% 2-year fixed, £999 fee (Purchase BTL Range(A, B and C Rated Properties, 80% LTV, updated 2026-05-08)
- Santander: 4.55% 2-year fixed, £999 fee (New Purchase, 80% LTV, updated 2026-04-30)
- Barclays: 4.67% 2-year fixed, £899 fee (New Purchase, 80% LTV, updated 2026-04-30)
- Halifax: 4.70% 2-year fixed, £999 fee (New Purchase, 80% LTV, updated 2026-05-11)
- Lloyds: 4.70% 2-year fixed, £999 fee (New Purchase, 80% LTV, updated 2026-05-11)
- HSBC: 4.72% 2-year fixed, £999 fee (Home Mover - Residential, 80% LTV, updated 2026-05-08)
- HSBC: 4.72% 2-year fixed, £999 fee (Home Mover - Energy Efficient, 80% LTV, updated 2026-05-08)
New purchase: 75% LTV 2-year fixed
- NatWest: 4.64% 2-year fixed, £1,495 fee (New Purchase, 75% LTV, updated 2026-05-12)
- HSBC: 4.84% 2-year fixed, £1,999 fee (Home Mover - Residential, 75% LTV, updated 2026-05-08)
- Halifax: 4.89% 2-year fixed, £1,999 fee (New Purchase, 75% LTV, updated 2026-05-11)
- Lloyds: 4.89% 2-year fixed, £1,999 fee (New Purchase, 75% LTV, updated 2026-05-11)
How to check mortgage rates daily
Start with the lender update date, then compare like-for-like rows: remortgage with remortgage, new purchase with new purchase, first-time buyer with first-time buyer, and the same LTV where possible. A good mortgage interest rate tracker should make those filters visible so a rate cut is not mistaken for the cheapest product in a different borrower category.
What to check next
Borrowers and brokers should compare the headline rate against fees, LTV band, product type and eligibility before deciding whether a deal is genuinely cheaper. A lower rate with a higher fee can cost more over the initial deal period, especially on smaller loan sizes.
This is a factual lender-rate movement summary, not mortgage advice.
Frequently Asked Questions
What changed in this NatWest mortgage rate update?
NatWest changed 30 tracked mortgage rate rows across new purchase and remortgage. The exact old and new rates are shown in the update above.
Is this mortgage advice?
No. This is a factual rate-tracking update. Borrowers should check eligibility, fees and affordability, or speak to a regulated adviser.
Why compare against similar rates?
A rate movement only matters in context. Comparing the new rate with similar LTV, category and term data shows whether the lender is competitive after the change.
How can I check mortgage rates daily?
Use a mortgage rates tracker that shows lender, borrower type, LTV, term, fee and update date together. That makes daily checks more useful than looking at a single headline rate.
Why is there one post for the lender instead of one per rate?
RateWatch clusters all tracked changes from the same lender update into one article so readers get the full lender movement without duplicate short posts.