NatWest will cut residential rates for existing customers by up to 40 basis points from tomorrow (21 November).  

Highlights of the high street lender’s reductions include:  

Two-year switchers  

• 60% LTV, fall by 40bps to 5.40%, with no product fee   
• 85% LTV, fall by 23bps to 6.07%, with no product fee  
• 90% LTV, fall by 18bps to 6.24%, with no product fee  

Five-year switchers  

• 60% LTV, fall by 29bps to 5.11%, with no product fee  
• 75% LTV, fall by 26bps to 5.17%, with no product fee  
• 75% LTV, fall by 21bps to 4.95%, with a product fee £995  

The bank adds its two-year term end dates will move from 31 January 2026 to 31 March 2026.  

While its five-year term end dates move from 31 January 2029 to 31 March 2029.  

There are no changes to its new business rates.