NatWest pulls last remaining sub-4% deals with hikes of up to 0.35%

The lender has announced widespread rate increases across its residential, buy-to-let and additional borrowing ranges.

Related topics:  NatWest,  Mortgage rates
Rozi Jones | Editor, Financial Reporter
18th March 2026
NatWest

NatWest has become the last 'Big Six' mortgage lender to withdraw sub-4% mortgage rates across its residential range.

All two-year fixed rates in its residential purchase and remortgage ranges have increased by 35bps at 60%-85% LTV and by 28-32bps at 90% and 95% LTV.

Its lowest two-year fixed rate has increased from 3.97% to 4.32% at 60% LTV with a £1,495 fee.

75% LTV two-year fixes now start from 4.49%, 80% LTV products at 4.60%, and 85% LTV rates at 4.69%.

At 90% LTV, two-year fixes have increased by 32bps to 4.75% with a £995 fee and by 30bps to 4.98% fee-free. A 95% LTV two-year fix has risen by 28bps to 5.35% with no fee.

All five-year fixed rates have increased by 35bps at 60%-85% LTV and by 24-31bps at higher LTVs.

The lowest five-year fix is now 4.49% at 60% LTV with a £1,495 fee.

In NatWest's remortgage range, two-year fixed rates have seen mirrored rate increases and all five-year rates are up by 0.35%.

First-time buyer two and five-year remortgage rates have also risen by up to 0.35%, alongside green residential and buy-to-let products.

For buy-to-let, all two and five-year fixed rate purchase and remortgage rates have increased by 0.35%, with the lowest purchase rate now a two-year fix at 4.59%.

All additional borrowing rates have increased by 0.25%

More like this
CLOSE
Subscribe
to our newsletter

Join a community of over 30,000 intermediaries and keep up-to-date with industry news and upcoming events via our newsletter.