{"id":84136,"date":"2026-07-16T10:53:07","date_gmt":"2026-07-16T10:53:07","guid":{"rendered":"https:\/\/www.europesays.com\/britain\/84136\/"},"modified":"2026-07-16T10:53:07","modified_gmt":"2026-07-16T10:53:07","slug":"natwest-increases-mortgage-rates","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/britain\/84136\/","title":{"rendered":"NatWest increases mortgage rates"},"content":{"rendered":"


\n NatWest is the latest lender to hike mortgage rates, applying rises of up to 27 basis points (bps), effective from 17 July. <\/p>\n

Likewise, Barclays, Nationwide, Coventry Building Society and Virgin Money<\/a> previously announced rate increases.<\/p>\n

NatWest\u2019s lowest standard residential purchase rate is 4.3% for a two-year fixed mortgage at 60% loan to value (LTV) with a \u00a3995 fee.<\/p>\n

The lowest residential remortgage fixed rate is 4.43% for a two-year green remortgage product at 60% LTV with a \u00a3995 fee.<\/p>\n

First-time buyer rates begin at 4.65% for a two-year fixed mortgage at 85% LTV with a \u00a3995 fee.<\/p>\n

NatWest\u2019s highest LTV residential offering is available at 95% LTV, with rates starting from 5.3% for a two-year fix and 5.16% for a five-year fix, both fee-free.<\/p>\n

<\/p>\n

\"\"
\n
\n <\/p>\n

Sponsored
\n Are your clients ready for the first Making Tax Digital reporting deadline?<\/p>\n

Sponsored by BM Solutions<\/p>\n


\n <\/a><\/p>\n

Some increases are said to be greater, equivalent to a \u00a340-per-month increase, according to L&C Mortgages.<\/p>\n

David Hollingworth, associate director at L&C Mortgages, said: \u201cThe story for mortgage rates in recent weeks has generally been positive, as cuts to fixed rates have dragged the market in a positive direction.<\/p>\n

\u201cHowever, any borrower hoping for rate cuts to become an ongoing trend will need to rethink, as a growing number of lenders have announced impending hikes to fixed deals in the coming days.<\/p>\n

\u201cThe resumption of hostility in the Middle East has caused further uncertainty in financial markets, as the threat of higher interest rates returns. That\u2019s affecting lenders\u2019 funding costs and has already resulted in several major lenders announcing that they have increased fixed rates or are about to.<\/p>\n

\u201cSeveral moves in quick succession is usually a signal that others will not be far behind. Borrowers that had been holding on in the hope of further reductions improving their rate choice may now need to hurry if they want to avoid missing out on some of the lowest rates.<\/p>\n

\u201cAlthough many increases have so far been slight, others are chunkier. For example, Nationwide\u2019s leading two-year fix for purchases at 4.24% has now lifted to 4.59%, an increase of 0.35% equating to an uplift in monthly payments of almost \u00a340pm or \u00a3480 per annum.<\/p>\n

\u201cThings can change quickly, but securing a rate now could avoid being hit with further rises while still allowing a further review of rates before completion if the situation eases back again.\u201d<\/p>\n","protected":false},"excerpt":{"rendered":" NatWest is the latest lender to hike mortgage rates, applying rises of up to 27 basis points…\n","protected":false},"author":2,"featured_media":84137,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[21386],"tags":[30255,37049,7955],"class_list":["post-84136","post","type-post","status-publish","format-standard","has-post-thumbnail","category-natwest","tag-lc","tag-mortgage-rate-increase","tag-natwest"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@UnitedKingdom\/116929285573059575","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/posts\/84136","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/comments?post=84136"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/posts\/84136\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/media\/84137"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/media?parent=84136"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/categories?post=84136"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/britain\/wp-json\/wp\/v2\/tags?post=84136"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}