Existing mortgage customers

How can we help you further?...moving?...switch deals?

Deal ending soon? Manage your mortgage online Looking to borrow more
Your home or property may be repossessed if you do not keep up repayments on your mortgage

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Looking for a new deal on your existing home?

Is your existing RBS deal coming to an end?


If you are at (or within 3.5 months of) the end of your current deal, search our mortgages for your next deal.
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On our Standard Variable Rate (SVR)?


If you are currently on our SVR but want to find a new mortgage deal, search mortgage rates for a new deal.
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Want to use your Track and Switch facility?


Find a new mortgage deal on existing home.

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Please Note: We no longer offer changes to interest only as a repayment method or additional borrowing on an interest only basis.

Interest only mortgage information


Existing mortgage customers

Borrowing more

If you are borrowing more on an existing mortgage, we have an additional borrowing range you can choose a new deal from.


If you are switching to a new deal and taking additional borrowing at the same time, you can benefit from taking all borrowing on the same rate and you will only pay one product fee.

Find out more about Additional borrowing

Changing your mortgage details

Need help with your mortgage?

We are here to help you with every aspect of your mortgage. For example you may want to change the way you repay your mortgage, check your mortgage rate or repayment holidays. Your circumstances may also have changed and your mortgage doesn't suit you any more. 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 think about an Offset Mortgage.

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.

Manage your mortgage online

Search our mortgage rates

Moving home?

Helping you pay off your mortgage earlier

Offset flexible mortgage


Find out what offsetting could mean for you and see how much less you could be paying each month if you set your savings against your mortgage. 

See our Offset Flexible Mortgage

Offset mortgage at a glance


Interest rate


Overall cost for comparison

Product fee

4.00% variable

4.2% APR


Minimum deposit: 20% for capital and interest repayment option

Purpose: Purchase or remortgage

Helpful tools

Tools to help you plan

Use our range of tools to help you choose the right mortgage for you. Search our mortgage rates, work out how much you can borrow and how future rate changes could affect your repayments.

Use our Offset flexible mortgage calculator to see how much less you could be paying each month if you set your savings against your mortgage. 

Existing mortgage customers

Useful guides

Move or Improve


We've won more awards

RBS have been awarded ‘Best Mortgage Lender Scotland’ in the 2013/14 Your Mortgage Awards.

In addition we’ve also been awarded ‘Best National Bank’ for the second year in a row in the 2013 ‘What Mortgage’ awards and for the first time we’ve been awarded ‘Best Lender Customer Service’.

Your Mortgage

Best Mortgage Lender Scotland


What Mortgage

Best National Bank


What Mortgage

Best Lender
Customer Service


See more about our award-winning service

Helpful banking

Protecting your money

With our account monitoring and online fraud protection promise, it's no wonder our customers voted us the UKs most trusted big bank for 2013

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 or visit www.fscs.org.uk.

Existing mortgage customers

How can we help?

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