Buy to Live Rates | UK Mortgages | NatWest International


Buy to live in the UK

If you work in the UK, you’ll need a base here. And if you’re a UK resident who works abroad, you may still need a family or a holiday home in the UK. We are also able to assist foreign nationals looking for a second home for their family.

  • Fixed rate mortgages

  • Variable rate mortgages

Fixed rate mortgages

We offer 2 year or 5 year fixed rate mortgage options for buy to live properties in the UK. Click on the term field for more information about each mortgage product.

Term Initial rate &
end date
Rate thereafter
(variable)
Overall cost
for comparison
Loan to
value
Minimum product
fee
2 year fixed rate 3.12%
30/07/2021
4.50% 4.4% APRC 70% £1,000
2 year fixed rate 3.29%
30/07/2021
4.50% 4.4% APRC 80% £1,000
5 year fixed rate 3.45%
31/07/2024
4.50% 4.3% APRC 70% £1,000
5 year fixed rate 3.65%
31/07/2024
4.50% 4.3% APRC 80% £1,000

Variable rate mortgages

Our 2 year variable rate mortgages track the Bank of England Base Rate. Click on the term field for more information about each mortgage product.

Term Initial rate & end date Tracks the
bank's base rate
Rate thereafter
(variable)
Overall cost for comparison Loan to value Minimum product fee
2 year tracker 3.16%
30/07/2021
+2.41% 4.50% 4.4% APRC 70% £1,000
2 year tracker 3.00%
30/07/2021
+2.25% 4.50% 4.4% APRC 70% £1,000
2 year tracker 3.35%
30/07/2021
+2.60% 4.50% 4.5% APRC 80% £1,000
Representative Example - Fixed Rate

A mortgage of £200,000 payable over 25 years initially on a fixed rate for 2 years at 3.12% and then our variable rate of 4.50% for the remaining 23 years would require 24 monthly payments of £960.38 and 276 payments of £1,099.51. The total amount payable would be £326,513.88 made up of the loan amount of £200,000 plus interest of £126,513.88. 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 4.4% APRC representative.

Your home or property may be repossessed if you do not keep up repayments on your mortgage

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