Personal
Mortgages
Manage Your Mortgage
Switch your existing mortgage deal

For existing mortgage customers

Switching mortgage deals

To apply you must be 18+ and resident in the Channel Islands, Isle of Man or Gibraltar. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

An early repayment charge may apply if you switch mortgage products during the term of an existing deal.

On this page

Switch your mortgage deal Open in new window

Our mortgage calculator Open in new window

Common questions Open in new window

Thinking about switching your mortgage deal?

Choose the option that matches your mortgage account number.

Switch your existing mortgage deal with us

Thinking about switching your NatWest International mortgage to a different deal. You can view our rates and get a personalised quote, which could help you decide on the best option for you.

There is no renewal fee on selected mortgages when you switch to a new mortgage deal with us.

You can switch today if your mortgage deal has ended or is about to end and you’re happy to choose your new deal without advice. If you’re still in a fixed-term agreement, please contact us first as early repayment charges may apply.

To Manage your Mortgage contact us Open in new window

Switching your mortgage rate

Switching your rate in our app

You can switch your rate in the app

If your mortgage account number starts with 65 you can now switch your mortgage through manage your mortgage on our app:

Your current deal is nearly finished.
Your deal has ended and your now on the standard variable rate (SVR).
You’re on a tracker rate and want to move to a fixed rate.

Information Message

Download our app Open in new window

Getting help and support

You might need to talk to us if:

You’re still in your fixed‑rate period and want to switch early (Early Repayment Charges may apply).
You have a NatWest International Offset mortgage.

Information Message

Contact the Mortgage Team Open in new window

Log in to manage your mortgage on the app

You can download the NatWest International app from your device's app store.

Open the App Store (iPhone) or Google Play Store (Android).
Search for "NatWest International".
Select the app and tap Download or Install.
Once installed, open the app and follow the on-screen instructions to get started.

If you need any assistance with registering or setting up the app, we're happy to help guide you through the process.

Download our app Open in new window

Want to borrow more when you switch?

Use our mortgage calculator to see how much you could borrow to get an idea of what your new monthly payments could be or find out more about additional borrowing below.

Use our mortgage calculator Open in new window

Borrow more Open in new window

Common questions

Can I change my deal if I still have time left on my fixed rate mortgage?

You can change to a different mortgage deal, however, if you switch mortgage products during the term of the deal you could incur an early repayment charge. You can find out whether this applies by looking at your mortgage agreement documentation or by contacting us.

How do I know when my current mortgage deal is due to expire?

Approximately 6 weeks before your mortgage deal with us is due to expire, we will contact you via email or letter to let you know:

The mortgage rates that are available to you and;
How to renew your mortgage with us

If you would like to know when your deal is due to expire, please contact us.

How do I apply for a new mortgage deal?

Before your current mortgage deal ends, we'll send you an email or letter to let you know:

The mortgage rates that are available to you and;
How to renew your mortgage with us

You should receive the email / letter approximately 6 weeks before your mortgage deal is due to expire.

If your mortgage deal with us has ended and you want to know what options are available to you, please use our mortgage calculator to review our rates or contact us.

What do the different rate types mean?

There are three different types of mortgage rates that you can choose from:

Fixed rate: This means your interest rate is set for a fixed period. After the term comes to an end the rate with revert to our Standard Variable Rate (SVR).

Tracker rate: This means your interest rate goes up or down in line with the NatWest International Bank base rate. After the term comes to an end the rate will revert to our Standard Variable Rate (SVR).

Standard Variable Rate: If you’re on our Standard Variable Rate, your interest rate may vary from time to time and can go up or down. However, you’re not tied to a deal and can change your product or mortgage without charge at any time.

When do I need to speak to my broker?

You may need to speak to your mortgage broker if you’re looking to make one of the following changes:

Additional Borrowing – A broker can help assess your affordability and find the right borrowing option for your needs.
Transferring a Title – If you’re adding or removing someone from the mortgage, a broker can guide you through the requirements and impacts.
Changing Repayment Type – Moving between repayment and interest‑only often needs guidance to understand what’s suitable for your circumstances.
Switching from Buy to Let to Residential – A broker can explain what products are available and what criteria you’ll need to meet.
Porting Your Mortgage – If you’re moving home and want to take your existing deal with you, a broker can help manage the process and check your eligibility.

A broker can offer tailored advice, review your situation and help you understand the best option before making any changes.

Find out more information on brokers

Need help? Speak to our mortgage team

If you'd like more information or want to discuss your mortgage options, contact us.

Please be aware that we can't give you direct advice about your mortgage. If you require advice, consider using a broker or seeking independent advice.