International Mortgages

Take advantage of our international mortgage service

Our International Service Open in new window

Types of mortgage we offer Open in new window

Compare our mortgage rates Open in new window

Mortgage help and guides Open in new window

Eligibility requirements Open in new window

Talk to our mortgage team Open in new window

If you are a Mortgage Broker regulated by the Financial Conduct Authority, please visit our Mortgage Broker section.

Our international mortgage service

Mortgages we offer

Buy to let

Buy to live

Remortgages

Buying an energy efficient property in the UK?

Green Mortgages in the UK Open in new window

Our UK mortgage rates

UK property mortgages

Our UK Buy to Live mortgages

If you are buying a home in the UK with an EPC rating of A or B, you may be eligible for our Green Mortgage.

Fixed Term mortgages

Base Rate Tracker mortgages

Fixed Term mortgages

With a fixed rate mortgage your repayments will stay the same until the end of the fixed-rate period, even if interest rates change.

Term

2 Year Fixed Rate

2 Year Fixed Rate Green Mortgage*

5 Year Fixed Rate

2 Year Fixed Rate

2 Year Fixed Rate Green Mortgage*

5 Year Fixed Rate

Initial rate

5.73%

5.68%

5.42%

5.83%

5.78%

5.52%

Tracking

N/A

Rate end date

31/03/2027

29/03/2030

31/03/2027

29/03/2030

Rate thereafter (variable)

7.74%

Maximum loan to value

70%

80%

Minimum product fee

£1,000

* A/B energy efficiency ratings to support Green Mortgage applications must be confirmed on a current EPC provided by a registered domestic assessor.

More about Green Mortgages

Base Rate Tracker mortgages

With tracker rate mortgages, your interest rate will rise and fall in line with changes to the NatWest International Bank Base Rate.

More information about our mortgages

Our Base Rate Tracker mortgages track the Bank’s Base Rate. The interest rate and monthly repayments on your mortgage will change when the Bank's Base Rate changes.

More information about our 2 Year Base Rate Tracker

More information about our 2 Year Fixed Rate

More information about our 5 Year Fixed Rate

Early repayment charge (payable of capital sum repaid early)

5.00% until 31/03/2026
4.00% until 31/03/2027
3.00% until 31/03/2028
2.00% until 30/03/2029
1.00% until 29/03/2030

Other information

Minimum loan £100,000
Drawdown fee £30
Product fee is 0.75% of the loan amount with a minimum fee of £1,000 (maximum fee £5,000)

Fixed rate representative example

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 2 years at 5.73% and then our variable rate of 7.74% for the remaining 23 years would require 24 monthly payments of £1,252.78 and 276 payments of £1,486.92. The total amount payable would be £440,455.64 made up of the loan amount of £200,000 plus interest of £240,455.64. A product fee of £1,500 a valuation fee of £255 and a CHAPS fee of £30 are also payable.

The overall cost for comparison is 7.6% APRC representative.

Important information

All figures provided are for illustrative purpose only. This is not a formal quotation or a commitment to lend. This will be dependent on your financial situation, property value and the size of your deposit or equity.

Mortgages are offered by The Royal Bank of Scotland International Limited trading as NatWest International (NatWest International). Mortgages on UK properties may not be available to residents of all countries. Fixed rate mortgages are subject to availability. The Bank reserves the right to withdraw the rates offered without notice.

New applications must be submitted via an FCA regulated Mortgage Broker.

Our UK Buy to Let mortgages

If you are buying a home in the UK with an EPC rating of A or B, you may be eligible for our Green Mortgage.

Fixed Term mortgages

With a fixed rate mortgage your repayments will stay the same until the end of the fixed-rate period, even if interest rates change.

Product & term

2 Year Fixed Rate

2 Year Fixed Rate Green Mortgage*

5 Year Fixed Rate

2 Year Fixed Rate

2 Year Fixed Rate Green Mortgage*

5 Year Fixed Rate

Initial rate

5.77%

5.72%

5.41%

5.97%

5.92%

5.66%

Tracking

N/A

Rate end date

31/03/2027

29/03/2030

31/03/2027

29/03/2030

Rate thereafter (variable)

7.74%

Loan to value

60%

75%

Minimum product fee

£1,000

* A/B energy efficiency ratings to support Green Mortgage applications must be confirmed on a current EPC provided by a registered domestic assessor.

More about Green Mortgages

More information about our mortgages

Our Base Rate Tracker mortgages track the Bank’s Base Rate. The interest rate and monthly repayments on your mortgage will change when the Bank's Base Rate changes.

More information about our 2 Year Fixed Rate

More information about our 5 Year Fixed Rate

Early repayment charge (payable of capital sum repaid early)

5.00% until 31/03/2026
4.00% until 31/03/2027
3.00% until 31/03/2028
2.00% until 30/03/2029
1.00% until 29/03/2030

Other information

Minimum loan £100,000
Drawdown fee £30
Product fee is 1.00% of the loan amount with a minimum fee of £1,000 (maximum fee £5,000)

Important information

You must currently own no more than 9 Buy to Let properties and your maximum borrowing amount cannot exceed £3.5 million. Buy to Let properties are subject to a minimum purchase price of £150,000.

Mortgage help and support

Our guide to home buying

The home buying process broken down into 9 simple steps.

Home buying guide

Mortgage jargon buster

Cut through the technical terms around home buying.

Jargon buster

Common questions about mortgages

Our frequently asked questions to keep you in the know.

View our mortgage FAQs

Talk to our mortgage team

Eligibility requirements

Residential requirements

How your information might be used

Get in touch about mortgages

Start your enquiry by completing our quick eligibility questions.

Continue

I'm looking for a UK...

Buy to live mortgage

Buy to let mortgage

Remortgage

I'm resident in one of the following countries...

Yes

Thank you for your interest

Our buy to live mortgages are exclusively provided via accredited FCA Brokers. In order to process an application with us, you will need to contact a Broker.

We're sorry...

Unfortunately due to legal and regulatory requirements, we are only able to offer mortgages to customers resident in our listed countries.

Should your circumstances change, please contact us.

I'm resident in one of the following countries...

Yes

Great, it looks like you're ready to get in touch

If you want to ask us a mortgage question or arrange an appointment please call us on:

+44 (0) 1624 632345

We're available Monday to Friday 9am to 5pm GMT.

We're sorry...

Unfortunately due to legal and regulatory requirements, we are only able to offer mortgages to customers resident in our listed countries.

Should your circumstances change, please contact us.

I'm resident in one of the following countries...

Yes

Great, it looks like you're ready to get in touch

If you want to ask us a mortgage question or arrange an appointment please call us on:

+44 (0) 1624 632345

We're available Monday to Friday 9am to 5pm GMT.

We're sorry...

Unfortunately due to legal and regulatory requirements, we are only able to offer mortgages to customer resident in our listed countries.

Should your residential circumstances change, please contact us.