Existing mortgage customers
Need to borrow more?
You could borrow up to 90% loan to value of your property for almost any purpose.
Applications for additional borrowing are subject to the loan to value and must meet our current lending requirements.
Your additional borrowing options
Additional borrowing range on an existing mortgage
If you are considering borrowing more on your mortgage, and already have a mortgage with us, we may be able to loan you up to 90% of your property’s value.
We have an additional borrowing range that you can choose a new deal from.
Switching to a new deal and taking additional borrowing
If you are switching to a new deal and would like to borrow more at the same time, you can benefit from taking all borrowing at the same rate and you will only pay one product fee.
You can search online but if you would like to discuss your options, please call a mortgage adviser on the number shown at the bottom of this page.
Key points to remember
Award Winning Online The minimum additional borrowing is £10,000
Award Winning Online Additional borrowing is only available on a "Capital & Interest" basis
We will lend to you based on the valuation we hold for your property. If you feel this valuation has changed, you can speak to our advisers to discuss your options. You can find your outstanding mortgage balance on your latest annual statement - use this and the valuation we hold for you to calculate your LTV.
RBS Personal Loans
A personal loan may be a more suitable option for your borrowing needs.
You must be over 18 and an existing RBS current account customer. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.
Award winning mortgages
You're in good hands
We wouldn't usually blow our own trumpet like that. But buying a house is a huge commitment. And choosing the right mortgage provider, whether it's your first mortgage, or you're renewing an existing deal, makes a big difference. RBS have been awarded ‘Best Mortgage Lender Scotland’ in the 2013/14 Your Mortgage Awards.
In addition RBS has won the ‘Best National Bank’ for the 3rd year in a row in the 2014 ‘What Mortgage’ awards.
Best Mortgage Lender Scotland
Best National Bank
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