Switch to a new deal online

Existing RBS mortgage customers

Switch Online £100 cash back
Your home or property may be repossessed if you do not keep up repayments on your mortgage

You will need your 8 digit mortgage account number. You can find this on your online or mobile app banking account summary page, if you are registered, or on your annual mortgage statement.


If you still can’t find your account number, just use our free call back service and ask us.

Switch to a new deal online

Want to switch to a new RBS mortgage deal?

You are eligible to switch online and receive £100 cash back if:

 You are within 3.5 months of your existing deal ending or on a standard variable rate

There’s more than £25,000 left to pay on your mortgage

You have more than 27 months until your mortgage is fully repaid

 Your RBS mortgage started after October 2004


 You’re keeping your mortgage amount, term and repayment terms as they are now


 If applicable, your current tracker product has ‘track and switch’ facility


If you are in any doubt whether you can switch online - simply try imputing your mortgage account number and if we recognise this and let you proceed, you are eligible.

If you are eligible to switch online, your £100 cash back will be paid within 30 days of your new deal starting. We will credit the account we collect monthly mortgage repayments from.

Switch online

Easy switching

Benefits of switching online

If you're looking for a new deal, we've made it easy to switch online.


 All your documentation is sent to your email address, then you verbally accept your new deal - simple and quick


 There’s no valuation fee as we don’t need a valuation


 No credit score or legal fees to switch your deal


 And no long application forms

The benefits of online switching explained

Easy switching

The benefits of switching online explained


No valuation is required

When you are switching your existing mortgage to a new deal we do not require a new valuation. We will use the last valuation we have for your home. If you think your house value has changed you may want to instruct a new valuation.

If you do want to discuss your valuation you can do so by speaking with a mortgage adviser on the details at the bottom of this page.

No credit score or legal fees

As you are an existing customer you do not have to go through an application process or credit reference searches. There are also no legal fees. If you re-mortgage to another lender you may need to go through this process.


Choose your method of paperwork delivery

Details of your new mortgage deal will be sent to you once you have completed the online switching application. You can choose to have these documents sent to you by email or through the post.


If you choose to receive this information by email you will receive your documents in PDF format. You can then print off or save for your own records. If you are happy with your new rate, then call us to accept your deal over the phone or return the paperwork in the post.



You must accept your deal within 14 days and this date will be advised to you in the documentation you receive. This will ensure you secure the deal you have requested. Our products can change from time to time and if the acceptance of your deal is after this time period we may not be able to honour the product you originally requested.


Product fee

A product fee is part of the price of the product. This will only be taken once you have confirmed acceptance of the new deal, either by accepting the deal by phone or by returning your paperwork by post. At this point the fee becomes non refundable.

What will happen?

Switching is easy with our online service

Frequently asked questions

More information about switching your mortgage online


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.

£100 cash back

Ready to switch online?

Switch now

You will need your 8 digit mortgage account number.

You can find this on your online banking account summary page, if you are registered, or on your annual mortgage statement.

If you can't find your account number, use our free call back service and ask us.

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