Established in 1968, following the merger of the National Provincial Bank and Westminster Bank, the NatWest became a member of the Royal Bank of Scotland (RBS) group twenty years ago. The RBS Group was renamed the NatWest Group this year and is led by CEO Alison Rose. NatWest is celebrated for its mortgage offerings and related activities in this critical field. It is an attractive destination for first-time buyers and NatWest offers high loan-to-value (LTV) mortgages (although it is not presently going as high as 95 percent). Customers can take advantage of cash back mortgages at LTV levels that can be higher than much of the competition). Mortgagors are encouraged to aim for energy efficiency and get a discount for going green. In 2021, the UK is hosting the UN Climate Change Conference (COP26) in Glasgow and NatWest is the banking sponsor. NatWest aims to be the leading bank to address climate change and is committed to becoming climate positive by 2025. NatWest is to be congratulated on using a simple and easily navigated website to communicate with existing and potential clients regarding mortgages. The site is currently offering reassurance to clients that risk falling behind on their mortgages after the coronavirus pandemic payments holiday. The judging panel finds its tone of voice to be pleasant, kind, and sympathetic and is very pleased to congratulate NatWest on its 2020 award Best Mortgage Provider UK.