- NatWest Lifetime Mortgages fixed at 4.91% for the duration
- No fees payable to brokers or advisers
- Free home valuation included
- You can choose to make monthly payments if preferred
- Lifetime product with no fixed term
- No penalties for repaying early
To find out whether a NatWest lifetime mortgage meets your needs, please complete the form below:
NATWEST BANK – STRUCTURE, REGULATION, OPERATIONS & GLOBAL PRESENCE
🏦 GROUP ENTITIES & SUBSIDIARIES
| Entity | Jurisdiction | Reg No. / Type | Role / Business Segment |
|---|---|---|---|
| NatWest Group plc | UK (Scotland) | SC45551 | Parent holding company |
| NatWest Holdings Limited | UK | — | Ring-fenced UK retail holdings (NatWest, RBS, Coutts) |
| National Westminster Bank plc | UK | — | UK personal & business banking |
| The Royal Bank of Scotland plc | UK | — | Retail banking in Scotland, UK business |
| Coutts & Company | UK | — | Private banking |
| Ulster Bank Limited (Northern Ireland) | UK | — | Retail banking in NI, trading name under NatWest |
| Ulster Bank Ireland DAC (ROI)* | Ireland | — | Retail banking (ceased operations Apr 2023) |
| NatWest Markets plc | UK | 90312 | Investment banking, global markets |
| NatWest Markets N.V. | Netherlands | 33002587 | Continental Europe markets |
| NatWest Markets Securities Inc. | USA (Connecticut) | FINRA, SIPC | US broker-dealer |
| NatWest Markets Securities Japan Ltd. | Hong Kong / Japan | Kin‑Sho No 202 | Japan securities business |
| RBS International Ltd | Jersey, Guernsey, IoM, Gibraltar | — | Offshore personal & institutional banking |
| Lombard North Central plc | UK | — | Asset finance |
🛡️ REGULATORY AUTHORISATIONS
| Entity | FCA Ref | PRA Authorised | Intl Regulators |
|---|---|---|---|
| National Westminster Bank plc | Yes | Yes | — |
| The Royal Bank of Scotland plc | Yes | Yes | — |
| Coutts & Company | Yes | Yes | — |
| NatWest Markets plc | 121882 | Yes | — |
| NatWest Markets N.V. | — | — | DNB, ECB, AFM |
| NatWest Markets Securities Inc. | — | — | FINRA, SIPC |
| NatWest Markets Sec. Japan Ltd. | — | — | JFSA (Japan) |
| RBS International Ltd | — | — | JFSC (Jersey), GFSC (Guernsey) |
🌐 OPERATING ACTIVITIES
- Retail Banking: accounts, savings, mortgages, credit cards, overdrafts
- Business Banking: SME/current accounts, lending, merchant and invoice finance, asset finance
- Private Banking: wealth management via Coutts & RBS
- Corporate & Institutional: global capital markets, derivatives, risk management
- Offshore Banking: personal/institutional in Crown dependencies
- Asset Finance: via Lombard North Central
- Brokerage: US securities trading via NatWest Markets Securities Inc
- European finance: branch services via N.V. in EU
- Investment Services: debt capital advisory, M&A, FX trading
- Digital Banking: online, mobile, API integration for retail and businesses
🌍 GLOBAL LOCATIONS & CONTACT DETAILS
NatWest Group plc (Head Office)
- 36 St Andrew Square, Edinburgh, EH2 2YB, UK
- 📞 +44 131 556 8555
- 🌐 natwestgroup.com
National Westminster Bank plc
- 36 St Andrew Square, Edinburgh, EH2 2YB, UK
- 📞 0345 888 4444 (UK general enquiries)
- 🌐 natwest.com
The Royal Bank of Scotland plc
- 36 St Andrew Square, Edinburgh, EH2 2YB, UK
- 📞 0345 366 6666 (Scotland)
- 🌐 rbs.co.uk
Coutts & Company
- 440 Strand, London, WC2R 0QS, UK
- 📞 +44 20 7967 1000
- 🌐 coutts.com
Ulster Bank Limited (Northern Ireland)
- 80 Donegall Square East, Belfast, BT1 5LQ, UK
- 📞 028 9032 7444
- 🌐 ulsterbank.co.uk
NatWest Markets plc
- Reg Office: 36 St Andrew Square, Edinburgh, EH2 2YB, UK
- Business Office: 250 Bishopsgate, London, EC2M 4AA
- 📞 +44 20 7678 8000
- 🌐 ci.natwest.com
NatWest Markets N.V. (Netherlands)
- Claude Debussylaan 94, 1082 MD Amsterdam, Netherlands
- 📞 +31 20 464 3707
NatWest Markets Securities Inc. (USA)
- Stamford, Connecticut
- 📞 FINRA directory (US broker-dealer support)
- 🌐 via natwestmarkets.com
NatWest Markets Securities Japan Ltd.
- Tokyo Branch, regulated by JFSA (Kin‑Sho No 202)
RBS International Ltd (Jersey HQ)
- 44 Esplanade, St Helier, Jersey, JE1 4BP
- 📞 +44 1534 616 300
- 🌐 natwestinternational.com
Lombard North Central plc
- 1100 Century Way, Thorpe Park, Leeds, LS15 8ZA, UK
- 📞 +44 113 306 9000
- 🌐 lombard.uk.com
📞 KEY SUPPORT CONTACTS
- NatWest Retail UK Enquiries: 0345 888 4444
- Lost/Stolen Cards: 0370 600 0459
- Coutts Client Services: +44 20 7957 2424
- NatWest Markets London (Institutional): +44 20 7678 8000
- RBS International Jersey: +44 1534 616 300
