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Natwest or RBS mortgage?

flower10
flower10 Posts: 23 Forumite
Part of the Furniture Combo Breaker
in Mortgages & endowments
Hello,

I am a first time buyer (with my partner), and am undecided which mortgage to go for. THe best options I have found are RBS and Natwest which are both 5 year fixed deals, 4.59%, £299 arrangement fee.

We aren't stretching ourselves in terms of income multiples and 25% deposit. We have spoken to a mortgage broker.

Does anyone have any opinion on which of RBS or natwest would be better for service (I am aware natwest is part of RBS), or know any better mortgage deals?

Thanks

Comments

  • unite79
    unite79 Posts: 392 Forumite
    One part is for Purchase(Natwest) - The other for Buy to let, they are both as incompetent as each other, but do have good rates.
  • chambta
    chambta Posts: 2,770 Forumite
    Part of the Furniture Combo Breaker
    The mortgage centre is dual branded so once the application has been submitted they will be dealt with at the same place. Personally it all boils down to dealing with someone who will give you the type of service you want.
  • silvercar
    silvercar Posts: 50,681 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    IMHO, RBS branch and call centre staff are better than NatWest.

    Agree with Chamta, its all branding for the same product, at the end of the day.
    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • Kavanne
    Kavanne Posts: 5,093 Forumite
    silvercar wrote: »
    IMHO, RBS branch and call centre staff are better than NatWest.

    Agree with Chamta, its all branding for the same product, at the end of the day.
    The call centre staff are the same people. Srsly.
    Kavanne
    Nuns! Nuns! Reverse!
    'I do my job, do you do yours?'
  • chambta
    chambta Posts: 2,770 Forumite
    Part of the Furniture Combo Breaker
    Kavanne wrote: »
    The call centre staff are the same people. Srsly.

    True. I call mortgage centre several times a day for my job. I agree about RBS branch staff being better though :D
  • silvercar
    silvercar Posts: 50,681 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Name Dropper
    The mortgage call centre and processing admin debt will be the same people. The people in the branch and any personal bank manager will be different. In my personal experience, the RBS staff are consistently good; NatWest have some very good staff, some good staff and some who let the image down.
    I'm a Forum Ambassador on the housing, mortgages & student money saving boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Forum Ambassadors are not moderators and don't read every post. If you spot an illegal or inappropriate post then please report it to forumteam@moneysavingexpert.com (it's not part of my role to deal with this). Any views are mine and not the official line of MoneySavingExpert.com.
  • haziec
    haziec Posts: 379 Forumite
    During our daughter and SIL's mortgage application, NatWest have been brilliant, very very helpful and quick at getting things done
  • System
    System Posts: 178,422 Community Admin
    10,000 Posts Photogenic Name Dropper
    I've always had exceptional service from Natwest with my accounts, but I've never held a mortgage with them.

    Nice rate that though :)
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
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