Repayment Type. 18 Month Tracker 2.99% (Tracks 0 75% % Repayment 25k 4.0% 3% until TO2537

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1 for use by mortgage intermediaries Our mortgage range and rates Remortgage lending Rate: 0.5% Issue 31 May 2013 All rates correct as at The product/arrangement fee will be added to the loan. We ll pay our legal and valuation fees for a standard remortgage. imum loan is 25,000 for residential and 15,000 for buy-to-let.. All loans have a 30 charge for sending the mortgage funds to the customer s solicitor on completion. imum LTV for new build flats is 75% and new build homes is 80%. New build is defined as any property built or first occupied after 01/01/10 or significantly modernised, refurbished or altered since that date. is available on selected products up to a maximum of 75%LTV. Purchase lending imum loan for Right-to-Buy applications is 10,000, or the products specific minimum, which ever is the highest. For all other products the minimum loan is 25,000 for residential or 15,000 for buy-to-let. The product/arrangement fee can be paid upfront or added to the loan. All loans have a 30 charge for sending the mortgage funds to the customer s solicitor on completion. imum LTV for new build flats is 75% and new build homes is 80%. New build is defined as any property built or first occupied after 01/01/10 or significantly modernised, refurbished or altered since that date. is available on selected products up to a maximum of 75%LTV. Core Range The core range is available to all intermediaries Purchase Rate Fee 2 year fixed 1.95% 1,495 60% % 25k 3.9% 3% until FO year fixed 2.75% 0 60% % 25k 3.9% 3% until FO year fixed 2.34% % % 25k 3.9% 3% until FO year fixed 2.99% 0 70% % 25k 4.0% 3% until FO year fixed 2.55% % % 25k 4.0% 3% until FO year fixed 3.15% 0 75% % 25k 4.0% 3% until FO year fixed 3.29% % % 25k 4.1% 3% until FO year fixed 3.89% 0 80% % 25k 4.1% 3% until FO year fixed 4.59% % % 25k 4.3% 3% until FO year fixed 4.99% 0 90% % 25k 4.3% 3% until FO year fixed 2.40% % % 25k 3.8% FO year fixed 2.85% 0 60% % 25k 3.8% 3 year fixed 2.55% % % 25k 3.8% FO6538 FO year fixed 3.09% 0 70% % 25k 3.9% FO year fixed 2.79% % % 25k 3.7% FO year fixed 3.29% 0 75% % 25k 3.9% FO year fixed 3.39% % % 25k 4.1% FO year fixed 3.99% 0 80% % 25k 4.1% FO year fixed 2.75% 1,495 60% % 25k 3.8% 5% until FO year fixed 3.09% 0 60% % 25k 3.8% 5% until FO year fixed 3.09% % % 25k 3.9% 5% until FO year fixed 3.45% 0 70% % 25k 3.9% 5% until FO year fixed 3.15% % % 25k 3.9% 5% until FO year fixed 3.59% 0 75% % 25k 4.0% 5% until FO year fixed 3.89% % % 25k 4.2% 5% until FO year fixed 4.29% 0 80% % 25k 4.3% 5% until FO year fixed 4.99% % % 25k 4.6% 5% until FO year fixed 5.39% 0 90% % 25k 4.7% 5% until FO year tracker 2.19% (Tracks % % 25k 3.9% 3% until TO % above 2 year tracker 2.69% (Tracks 0 60% % 25k 3.9% 3% until TO % above 2 year tracker 2.90% (Tracks 0 70% % 25k 3.9% 3% until TO % above 2 year tracker 3.15% (Tracks 0 75% % 25k 4.0% 3% until TO % above 18 Month Tracker 2.99% (Tracks 0 75% % 25k 4.0% 3% until TO % above 2 year tracker 3.89% (Tracks 0 80% % 25k 4.1% 3% until TO % above

2 First Time Buyer, Shared Equity & Help to Buy Rate Fee 5 year fixed First time buyer 2 year fixed 75% shared equity 5 year fixed 75% shared equity 2 year fixed 75% Help to Buy 5 year fixed 75% Help to Buy 4.79% 0 90% % 25k 4.5% 5% until FO % 0 75% % 25k 4.0% 3% until FO % 0 75% % 25k 4.0% 5% until FO % 0 75% % 25k 4.0% 3% until FO % 0 75% % 25k 4.0% 5% until FO6683 The NewBuy scheme is available to those intermediaries that are on the selected panels of participating builders and developers. NewBuy Rate Fee 2 year fixed 95% 4.49% 0 95% % 25k 4.2% 3% until FO6686 NewBuy 5 year fixed 95% NewBuy 4.79% 0 95% % 25k 4.5% 5% until FO6687

3 Core Range The core range is available to all intermediaries Remortgage Rate Fee 2 year fixed 1.95% 1,495 60% % 25k 3.9% 3% until FO year fixed 2.75% 0 60% % 25k 3.8% 3% until FO year fixed 2.34% % % 25k 3.9% 3% until FO year fixed 2.99% 0 70% % 25k 3.9% 3% until FO year fixed 2.55% % % 25k 3.9% 3% until FO year fixed 3.15% 0 75% % 25k 3.9% 3% until FO year fixed 3.29% % % 25k 4.0% 3% until FO year fixed 3.89% 0 80% % 25k 4.1% 3% until year fixed 4.59% % % 25k 4.3% 3% until FO6557 FO year fixed 4.99% 0 90% % 25k 4.3% 3% until FO year fixed 2.40% % % 25k 3.8% FO year fixed 2.85% 0 60% % 25k 3.8% FO year fixed 2.55% % % 25k 3.8% FO year fixed 3.09% 0 70% % 25k 3.8% 3 year fixed 2.79% % % 25k 3.8% FO6562 FO year fixed 3.29% 0 75% % 25k 3.9% FO year fixed 3.39% % % 25k 4.0% FO year fixed 3.99% 0 80% % 25k 4.1% FO year fixed 2.75% % % 25k 3.7% 5% until FO year fixed 3.09% 0 60% % 25k 3.7% 5% until FO year fixed 3.09% % % 25k 3.8% 5% until FO year fixed 3.45% 0 70% % 25k 3.8% 5% until FO year fixed 3.15% % % 25k 3.8% 5% until FO year fixed 3.59% 0 75% % 25k 3.9% 5% until FO year fixed 3.89% % % 25k 4.1% 5% until FO year fixed 4.29% 0 80% % 25k 4.2% 5% until FO year fixed 4.99% % % 25k 4.6% 5% until FO year fixed 5.39% 0 90% % 25k 4.7% 5% until FO year tracker 2.19% (Tracks % % 25k 3.8% 3% until TO % above 2 year tracker 2.69% (Tracks 0 60% % 25k 3.8% 3% until TO % above 2 year tracker 2.90% (Tracks 0 70% % 25k 3.9% 3% until TO % above 2 year tracker 3.15% (Tracks 0 75% % 25k 3.9% 3% until TO % above 18 Month Tracker 2.99% (Tracks 0 75% % 25k 3.9% 3% until TO % above 2 year tracker 3.89% (Tracks 0 80% % 25k 4.1% 3% until TO % above NatWest mortgages are provided by National Westminster Bank PLC.

4 Buy-to-let lending The Buy-to-let range is available to all intermediaries Purchase Rate Fee 2 year fixed 3.39% 1,495 60% % & 2 year fixed 3.79% % % & 2 year fixed 3.79% 1,495 75% % & 2 year fixed 4.09% % % & 3.39% 1,495 60% % & (Tracks +2.89% 3.65% (Tracks +3.15% 3.59% (Tracks +3.09% 3.89% (Tracks +3.39% % % & 1,495 75% % & % % & Loa n APR ERC 15k 4.7% 3% until FO k 4.6% 3% until FO k 4.7% 3% until FO k 4.7% 3% until FO k 4.7% 3% until TO k 4.6% 3% until TO k 4.7% 3% until TO k 4.6% 3% until TO2544 Remortgage Rate Fee LTV Initial Period Standard variable rate 2 year fixed 3.39% 1,495 60% % 2 year fixed 3.79% % % 2 year fixed 3.79% 1,495 75% % 2 year fixed 4.09% % % 3.39% (Tracks +2.89% 3.65% (Tracks +3.15% 3.59% (Tracks +3.09% 3.89% (Tracks +3.39% 1,495 60% % % % 1,495 75% % % % 15k 4.6% 3% until FO k 4.5% 3% until FO k 4.6% 3% until FO k 4.6% 3% until FO k 4.6% 3% until TO k 4.5% 3% until TO k 4.6% 3% until TO k 4.5% 3% until TO NatWest mortgages are provided by National Westminster Bank PLC.

5 Transitional Arrangements & Missing Information Process Please see the Latest News section on intermediary.natwest.com for this information. Additional notes On remortgage-only deals, we ll pay our legal and valuation fees for a standard remortgage. The customer must meet their own legal and valuation costs on all other products. The product/arrangement fee can be paid upfront or added to the loan. imum loan for all products is 25,000 for residential or 15,000 for buy-to-let (minimum property value/purchase price for buy-to-let is 50,000). All products have a 30 charge for sending the mortgage funds to the customer s solicitor on completion. imum LTV is 75% (65% on new build flats/houses). New build is defined as any property built or first occupied after 01/01/10 or significantly modernised, refurbished or altered since that date. All products If the application is withdrawn before offer, the product/arrangement fee will not be applied and, if it was paid up front, will be refunded to the customer. If the application is withdrawn after offer, the product/arrangement fee will be applied. Interest only is available on certain buy-to-let products. 2011/12 Your Mortgage Awards The Your Mortgage Awards celebrate those mortgage brokers, lenders and associated product providers that have excelled in their field over the past year. NatWest won the following categories: Best Bank for Mortgages NatWest Best First-time Buyer Lender NatWest Best Large Loans Mortgage Lender NatWest If you have any questions on this or any other queries, please contact us via livetalk, we re open 9am to 5.15pm, Monday to Friday or visit us at intermediary.natwest.com Intermediary Solution