Current mortgage deal ending soon?

Review your deals and options

View your deals Manage online

Your home may be repossessed if you do not keep up repayments on your mortgage

To view your deals you will need your 8 digit mortgage account number.


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

Considering taking a new RBS deal?

You can view your deals if:

You are within 3.5 months of your existing deal ending or on a standard variable rate or a current tracker product that has 'track and switch' facility

You have more than £25,000 left to repay on your mortgage (customers who only have one part* to their mortgage) and more than 27 months until your mortgage is fully repaid
The parts* to your mortgage, eligible for renewal (also known as sub-accounts*) have more than £25,000 in total left to be repaid and there is more than 27 months until each of these parts is fully repaid

You have a residential mortgage - i.e. not Buy to Let

You have no more than 5 sub-accounts to your mortgage (please look at FAQ section for further information)

Your RBS mortgage started after October 2004


*If you have a mortgage made up of part capital & interest and part interest only, or you have taken additional borrowing since you first took your mortgage with us, then you will have a multiple part mortgage made up of your main account and a number of sub-accounts.

You have a residential mortgage - i.e. not buy to let (excludes shared equity mortgages or a Government supported Scheme such as Help-to-Buy)


 You have no more than 5 sub-accounts to your mortgage


 Your NatWest mortgage started after October 2004


You are not in arrears

View deals

If you are not eligible to sign in to view your deals you can still review RBS rates using our mortgage calculator.

In branch, by phone and online

Ways to renew your deal

You can choose your new deal(s) in branch, over the phone or online. We will send your paperwork and you will have up to 14 days to decide if you want to accept.

In Branch or by Phone  


If you would like help in choosing the right mortgage for you, one of our qualified advisers will assess your needs and circumstances and take responsibility for recommending a mortgage we believe is suitable for you. 

Learn more


How renewing by phone/in branch works

1. Book appointment

  • Book an appointment with a qualified mortgage adviser

2. Your new deal

  • At your appointment your mortgage adviser will review your circumstances and make a recommendation

3. Accept

  • You will have 14 days to consider and accept the formal offer either by phone or post
View deals Book an appointment

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



If you are confident in choosing the right mortgage for your circumstances and are happy to take responsibility for your decisions without any advice, you can request a new mortgage deal online.

You will not benefit from the protection of us assessing the suitability of your mortgage for you and therefore if your choice turns out to be inappropriate, we will not offer you compensation.

There may be circumstances where we consider it more appropriate to provide you with advice. In these situations, you will be unable to continue online.

Learn more


How renewing online works

1. Select your deals

  • Sign in to view the deals available to you
  • Confirm your eligibility to use the online service

2. Confirm your deal(s)

  • Confirm your choice
  • Receive details of your new mortgage deal by email and post

3. Accept

  • You will have 14 days to consider and accept the formal offer by returning the paperwork by post
View deals

Easy switching

Benefits of renewing with RBS:

No credit score and legal fees

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

No valuation 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 would like to discuss arranging a new valuation you can do so by speaking with us on the telephone number below.


Increased Overpayment allowance

We will temporarily increase your annual overpayment allowance from 10% to 30% of your outstanding balance, for the 3.5 months preceding your mortgage deal end date, without you incurring an Early Repayment Charge. This could reduce your Loan to Value (LTV) and make you eligible for products in a lower LTV band, meaning you could secure a lower interest rate. To make an overpayment before renewing, please call us on the telephone number below.

We give you time to make up your mind

We will send your paperwork by e-mail (if you applied online) and will also always post this to you.

You will then have 14 days to decide if you want to accept. To do this you can simply return the paperwork in the post or if you applied by phone/in branch you can also call us.

Frequently asked questions

More information about switching your mortgage

View all existing RBS customers FAQs

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 www.fscs.org.uk.


View deals

How can we help?

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