Mortgage Rates
NatWest cuts new purchase 5-year fixed to 4.80% at 80% LTV
NatWest has moved its new purchase 5-year fixed from 4.90% to 4.80% for 80% LTV borrowers.
Live new purchase rate update
NatWest has cut a new purchase mortgage rate for 80% LTV borrowers. The changed product is New Purchase, updated on 2026-04-30.
What changed
- 5-year fixed: 4.90% to 4.80% (-10bps)
This is a live RateWatch update from the lender data refresh. It is a factual rate movement summary, not mortgage advice.
How it compares
For context, these are the closest currently tracked new purchase rates at 80% LTV for 5-year fixed:
- NatWest: 4.80% 5-year fixed, £1,495 fee (New Purchase, updated 2026-04-30)
- HSBC: 4.91% 5-year fixed, £1,999 fee (Home Mover - Residential, updated 2026-04-30)
- Halifax: 5.31% 5-year fixed, £1,499 fee (New Purchase, updated 2026-04-30)
- Lloyds: 5.31% 5-year fixed, £1,499 fee (New Purchase, updated 2026-04-30)
Quick read
- Lender: NatWest
- Category: New purchase
- Product: New Purchase
- LTV: 80%
- Fee tier: high_fee
- Arrangement fee: £1,495 fee
- Rate-card date: 2026-04-30
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.
Frequently Asked Questions
What changed in this new purchase rate update?
NatWest changed at least one tracked rate for New Purchase at 80% LTV. 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.