NatWest launches sub-3.35% buy-to-let fixed low rate and high fee mortgages

by Aaron Strutt

Nov 10 2025

NatWest has launched a range of cheap buy-to-let mortgages with higher arrangement fees.

The mortgages are available to landlords either buying a property or remortgaging with a deposit of at least 25%.

Here is a summary of some of NatWest's new buy-to-let rates:

• 2-year fixed rate Purchase: 25% deposit, sub-3.45%, lender fee £3,999.
• 5-year fixed rate Purchase: 25% deposit, sub-3.95%, lender fee £3,999.
• 2-year fixed rate Remortgage: 35% deposit, sub-3.35%, lender fee £3,999
• 5-year fixed rate Remortgage: 40% deposit, sub-3.70%, lender fee £4,999.
• 5-year fixed rate Remortgage: 25% deposit, sub-3.75%, lender fee £5,999.

Which lenders have the lowest buy-to-let rates with big setup fees?

Capital Home Loans has a two-year fix priced just over 2% with a huge 7% arrangement fee. The Mortgage Works has a sub-2.65% two-year fix with a 3% fee and a sub-3.6% five-year fix with the same fee.

Aaron Strutt, product director at Trinity Financial, told thisismoney.co.uk: “I am pretty sure many residential mortgage customers would be happy to pay higher fees and get much lower rates.

“It is quite surprising to see lenders like NatWest launch such cheap buy-to-let rates and it normally has £999 or £1,999 fee options; it really goes to show the sector is struggling and what the bank thinks it needs to do to drive up demand.”

Get expert mortgage advice from Trinity Financial

At Trinity Financial, our team of experienced London mortgage brokers specialises in helping borrowers secure the right deal. We work with all major lenders and can guide you through the full application process.

Call Trinity Financial on 020 7016 0790 to secure a buy-to-let mortgage or book a consultation

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