Fast Track Service

Fast Track Service

Fast Track Service

Type
Fixed - Green Mortgage
Initial Term
2 Years
Initial Interest Rate
1.31%
Reverts to 3.59%
Max LTV
60%
Product Fee
Yes
New Green Mortgage Offer – take advantage of reduced rates if you’re buying an energy-efficient home, with an Energy Performance Certificate (EPC rating) of A or B

Available to first-time buyers and existing homeowners, for residential purchases only

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

*

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.34%
Reverts to 3.59%
Max LTV
60%
Product Fee
Yes
Call NatWest FREE on 0800 158 2934
“Market Leading 2 Year Fixed Rate”
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed - Green Mortgage
Initial Term
2 Years
Initial Interest Rate
1.56%
Reverts to 3.59%
Max LTV
75%
Product Fee
Yes
New Green Mortgage Offer – take advantage of reduced rates if you’re buying an energy-efficient home, with an Energy Performance Certificate (EPC rating) of A or B

Available to first-time buyers and existing homeowners, for residential purchases only

Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.59%
Reverts to 3.59%
Max LTV
75%
Product Fee
Yes
Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
2.24%
Reverts to 3.59%
Max LTV
80%
Product Fee
Yes
Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.99%
Reverts to 4.34%
Max LTV
65%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
2.18%
Reverts to 4.34%
Max LTV
75%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
2.99%
Reverts to 4.34%
Max LTV
85%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type
Fixed - Green Mortgage
Initial Term
2 Years
Initial Interest Rate
2.89%
Reverts to 3.59%
Max LTV
85%
Product Fee
Yes
New Green Mortgage Offer – take advantage of reduced rates if you’re buying an energy-efficient home, with an Energy Performance Certificate (EPC rating) of A or B

Available to first-time buyers and existing homeowners, for residential purchases only

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

*

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
3.09%
Reverts to 3.59%
Max LTV
85%
Product Fee
Yes
Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
3.09%
Reverts to 3.59%
Max LTV
85%
Product Fee
Yes
Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
3 Years
Initial Interest Rate
2.15%
Reverts to 4.34%
Max LTV
65%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
3 Years
Initial Interest Rate
2.18%
Reverts to 4.34%
Max LTV
75%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed - Green Mortgage
Initial Term
5 Years
Initial Interest Rate
1.41%
Reverts to 3.59%
Max LTV
60%
Product Fee
Yes
New Green Mortgage Offer – take advantage of reduced rates if you’re buying an energy-efficient home, with an Energy Performance Certificate (EPC rating) of A or B

Available to first-time buyers and existing homeowners, for residential purchases only

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

*

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.44%
Reverts to 3.59%
Max LTV
60%
Product Fee
Yes
Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.

Type
Fixed - Green Mortgage
Initial Term
5 Years
Initial Interest Rate
1.79%
Reverts to 3.59%
Max LTV
75%
Product Fee
Yes
New Green Mortgage Offer – take advantage of reduced rates if you’re buying an energy-efficient home, with an Energy Performance Certificate (EPC rating) of A or B

Available to first-time buyers and existing homeowners, for residential purchases only

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

*

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.86%
Reverts to 3.59%
Max LTV
75%
Product Fee
Yes
Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.50% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.61%
Reverts to 4.34%
Max LTV
65%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
2.13%
Reverts to 4.34%
Max LTV
75%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.40% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
2.29%
Reverts to 3.59%
Max LTV
80%
Product Fee
Yes
Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
3.24%
Reverts to 4.34%
Max LTV
85%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.

Type
Fixed - Green Mortgage
Initial Term
5 Years
Initial Interest Rate
2.99%
Reverts to 3.59%
Max LTV
85%
Product Fee
Yes
New Green Mortgage Offer – take advantage of reduced rates if you’re buying an energy-efficient home, with an Energy Performance Certificate (EPC rating) of A or B

Available to first-time buyers and existing homeowners, for residential purchases only

Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
3.29%
Reverts to 3.59%
Max LTV
85%
Product Fee
Yes
Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
3.29%
Reverts to 3.59%
Max LTV
85%
Product Fee
Yes
Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
10 Years
Initial Interest Rate
2.62%
Reverts to 4.34%
Max LTV
65%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
10 Years
Initial Interest Rate
3.89%
Reverts to 4.34%
Max LTV
75%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
15 Years
Initial Interest Rate
2.85%
Reverts to 4.34%
Max LTV
65%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.10% APRC. This is the cost of the mortgage over the full term.

There are no tables for this criteria

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
3.09%
Reverts to 3.59%
Max LTV
85%
Product Fee
Yes
Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
3.29%
Reverts to 3.59%
Max LTV
85%
Product Fee
Yes
Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.60% APRC. This is the cost of the mortgage over the full term.

Breakdown Policy
European Breakdown Cover
Personal Cover From
£7
per day
Roadside Assistance
Unlimited
Continuing Journey Cover
up to £1,500

AA European Breakdown Insurance

Choose European Breakdown Cover for complete roadside reassurance. Unique access to over 40,000 trusted partners – including garages, repairers and recovery operators – in 44 countries across Europe

Type
Fixed Remortgage
Initial Term
2 Years
Initial Interest Rate
1.29%
Reverts to 3.59%
Max LTV
60%
Product Fee
Yes
Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Remortgage
Initial Term
2 Years
Initial Interest Rate
1.29%
Reverts to 3.59%
Max LTV
60%
Product Fee
Yes
Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Remortgage
Initial Term
2 Years
Initial Interest Rate
1.54%
Reverts to 3.59%
Max LTV
75%
Product Fee
Yes
Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Remortgage
Initial Term
5 Years
Initial Interest Rate
1.44%
Reverts to 3.59%
Max LTV
60%
Product Fee
Yes
Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.70% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Remortgage
Initial Term
5 Years
Initial Interest Rate
1.72%
Reverts to 3.59%
Max LTV
75%
Product Fee
Yes
Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.

Type
Fixed Remortgage
Initial Term
5 Years
Initial Interest Rate
1.72%
Reverts to 3.59%
Max LTV
75%
Product Fee
Yes
Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 3.80% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
1.99%
Reverts to 4.34%
Max LTV
65%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
1.61%
Reverts to 4.34%
Max LTV
65%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
5 Years
Initial Interest Rate
2.13%
Reverts to 4.34%
Max LTV
75%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.40% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
2 Years
Initial Interest Rate
2.18%
Reverts to 4.34%
Max LTV
75%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.90% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
10 Years
Initial Interest Rate
2.62%
Reverts to 4.34%
Max LTV
65%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.20% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
10 Years
Initial Interest Rate
3.89%
Reverts to 4.34%
Max LTV
75%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 4.10% APRC. This is the cost of the mortgage over the full term.

Type
Fixed
Initial Term
15 Years
Initial Interest Rate
2.85%
Reverts to 4.34%
Max LTV
65%
Product Fee
Yes
Call Virgin Money FREE on 0330 057 1595

Early redemption charges may apply. Overall Cost for Comparison 3.10% APRC. This is the cost of the mortgage over the full term.

Type
Fixed - Green Mortgage
Initial Term
2 Years
Initial Interest Rate
1.31%
Reverts to 3.59%
Max LTV
60%
Product Fee
Yes
New Green Mortgage Offer – take advantage of reduced rates if you’re buying an energy-efficient home, with an Energy Performance Certificate (EPC rating) of A or B

Available to first-time buyers and existing homeowners, for residential purchases only

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

*

Type
Fixed - Green Mortgage
Initial Term
5 Years
Initial Interest Rate
1.41%
Reverts to 3.59%
Max LTV
60%
Product Fee
Yes
New Green Mortgage Offer – take advantage of reduced rates if you’re buying an energy-efficient home, with an Energy Performance Certificate (EPC rating) of A or B

Available to first-time buyers and existing homeowners, for residential purchases only

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

*

Type
Fixed - Green Mortgage
Initial Term
2 Years
Initial Interest Rate
1.56%
Reverts to 3.59%
Max LTV
75%
Product Fee
Yes
New Green Mortgage Offer – take advantage of reduced rates if you’re buying an energy-efficient home, with an Energy Performance Certificate (EPC rating) of A or B

Available to first-time buyers and existing homeowners, for residential purchases only

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

*

Type
Fixed - Green Mortgage
Initial Term
5 Years
Initial Interest Rate
1.79%
Reverts to 3.59%
Max LTV
75%
Product Fee
Yes
New Green Mortgage Offer – take advantage of reduced rates if you’re buying an energy-efficient home, with an Energy Performance Certificate (EPC rating) of A or B

Available to first-time buyers and existing homeowners, for residential purchases only

Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Type
Fixed - Green Mortgage
Initial Term
2 Years
Initial Interest Rate
2.89%
Reverts to 3.59%
Max LTV
85%
Product Fee
Yes
New Green Mortgage Offer – take advantage of reduced rates if you’re buying an energy-efficient home, with an Energy Performance Certificate (EPC rating) of A or B

Available to first-time buyers and existing homeowners, for residential purchases only

Call NatWest FREE on 0800 158 2934
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

*

Type
Fixed - Green Mortgage
Initial Term
5 Years
Initial Interest Rate
2.99%
Reverts to 3.59%
Max LTV
85%
Product Fee
Yes
New Green Mortgage Offer – take advantage of reduced rates if you’re buying an energy-efficient home, with an Energy Performance Certificate (EPC rating) of A or B

Available to first-time buyers and existing homeowners, for residential purchases only

Call RBS FREE on 0800 096 7447
£250 CASHBACK

Early redemption charges may apply. Overall Cost for Comparison 4.00% APRC. This is the cost of the mortgage over the full term.

Compare Mortgage Rates

If you need a landlord mortgage to buy a rental property, there are two ways to do this:

  • If you have sufficient equity in your home – you may be able to remortgage the house that you currently live in and use any profit made to purchase a second property. For example, if your house is worth £500,000 and your outstanding mortgage is £100,000, you’ll have £400,000 equity in your home. You could then remortgage increasing your borrowing to £300,000. This would raise £200,000 which you could use to buy a second property to rent out.
  • If you don’t have sufficient equity in your home – you will need a mortgage for the rental property. If you plan to rent out a residential property, you will need a buy-to-let mortgage and the amount you can borrow will usually be based on the potential rental income.

Landlord mortgages and other costs

As well as the mortgage repayments, you will also need to consider the various taxes and other costs that you might have to pay if you own a second home. These could include:

  • Council Tax – this has to be paid on most properties, but reductions of up to 50% may be available on second homes, at the discretion of the local council. As a landlord, you may be able to transfer council tax responsibility to your tenant, or use the rent to you receive to help you cover council tax costs.
  • Rental income  – If you have a landlord mortgage, your rental income needs to be declared on your tax return. This income is added to any other income you have and is subject to income tax – the exact amount you pay will depend on your tax bracket.
  • Capital Gains Tax  – There are also tax implications when you sell a rental property

Capital Gains Tax on rental properties

Capital Gains Tax is a tax on the profit when you sell or give away something (an ‘asset’) that has increased in value. You are taxed on the gain you make, rather than on the amount received. You don’t usually have to pay Capital Gains Tax when you sell your own home as long as it’s been your only or main home for the whole time you’ve owned it. However, if you have a buy to let property which you then sell, any profits you make from the sale will be subject to capital gains tax.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE