Manage Your Mortgage | Royal Bank


New manage my mortgage

We’ve made some exciting improvements to manage my mortgage, so what’s new?

  • New look and feel
  • Easier to navigate and use on your mobile or tablet
  • Easier to renew your mortgage
  • You can make lump sum overpayments & set up a direct debit
  • Remember you can still view all your mortgage details & more
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Add your signposting title here… Tell us what you think...

We would really like to hear your comments on the latest changes to help make manage my mortgage even better in the future.  Let us know your thoughts by leaving us a comment.

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Manage your mortgage How can we help you today?
View all Royal Bank mortgage customers FAQs Call us
How can we help? Call us

Call 0345 7212 600

Opening hours: 
Mon-Fri 8am-8pm, Sat 9am-4pm, Sun 10am-2pm.
Excluding public holidays.
Calls may be recorded.

Customers with hearing and speech impairments can contact us by using

Minicom number 0800 056 6587

Add your signposting title here… Is it time to renew your Royal Bank of Scotland mortgage?

Is your Royal Bank of Scotland mortgage deal coming to an end or are you currently paying our standard variable rate?


No legal fees or credit checks 

No valuation required 

Overpayment allowance for residential only  

Receive your documents by post or email


View your deals
Changing your mortgage details Need help with your mortgage?

We are here to help you with your mortgage. If there's anything we can help with, please talk to us.


Making overpayments


You can overpay 10% of your mortgage balance each year. This will reduce the amount of interest you pay. If you make regular overpayments you may want to talk to us about your options

Changing your mortgage term

You can have a mortgage up to age 65, or age 70 if you can evidence that you have sufficient income post retirement.

Remember, if you increase your term you’ll pay more interest.

Transfer of title

If you want to add or remove other people to or from your mortgage, just contact us.

Trouble paying your mortgage?

You will find lots of helpful information  and our contact details on our dedicated ‘Trouble paying your mortgage’ page.

Need to set up a Direct Debit?

Download a Direct Debit Form complete the details and return to us. We'll set this up so your mortgage payments automatically come out of your chosen account each month.  

Manage your mortgage Tools to help you plan

How much can I borrow?

Find out how much you could borrow before you start looking for your new home.

Mortgage calculator - our mortgage rates

Use the mortgage calculator to view our rates and get a monthly repayment quote

Mortgage Overpayment Calculator

Use our overpayment calculator to see how much you could save by making either extra monthly payments or paying a lump sum to your capital repayment mortgage.

Protecting your money

We are a member of the Financial Services Compensation Scheme (FSCS). The Scheme can pay compensation to customers if they are eligible and the Bank is unable to pay claims against it. Compensation limits for Mortgage advice and arranging (for business conducted on or after 31 October 2004) - maximum £50,000 i.e. 100% of first £50,000 per person. Further information is available here  ( 650K PDF) or visit


Manage your mortgage How can we help?
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