Moving home

New beginnings

Mortgage rate finder 5% deposit mortgages
Your home may be repossessed if you do
not keep up repayments on your mortgage

Hello to our lowest ever mortgage rates!

Whether you're buying your first home, moving or simply looking for a better rate...

Find a mortgage



Here every step of the way

Moving home with RBS

Do you have a mortgage with another lender?


When you’re moving home there’s always a lot to think about. If you're currently with another lender but want to know what mortgage rates we've got available, use our tools and guides here or talk to us to find the right RBS mortgage for you.

Already have a RBS mortgage and moving home?


You can move your RBS mortgage with you (moving your mortgage is subject to conditions) or look for a new deal when you move home. Find our more about Managing your current RBS mortgage.

Search our mortgage rates

What kind of mortgage are you looking for?

Use our mortgage calculator to help you find the right mortgage and work out monthly repayments that could save you money compared to your existing repayments.

Mortgage Calculator

Helpful tools

Tools to help you plan

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. 

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


Home Insurance

Are you covered?

Once you exchange contracts, your lender will insist that there is adequate buildings insurance cover in place and it is advisable to also take out contents insurance. This can be arranged to start at a date in the future, so that it's one less thing to think about.

Go to our Home Insurance section

Frequently asked questions

What other people are asking us

Any other questions?

View all Common Questions?

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.

Your Mortgage

Best Mortgage Lender Scotland


What Mortgage

Best National Bank


Helpful banking

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

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