Switch to a new Deal - Existing Mortgages | Royal Bank of Scotland

Switch to a new mortgage deal

Get our best rates on your next Royal Bank mortgage

Sign in to switch deal

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

  • What we can offer

  • Our current Mortgage rates

  • How to apply

What we can offer

Switching your Royal Bank mortgage deal

When you switch your existing mortgage deal, we'll make sure you get our lowest rates

Get a new mortgage deal if you're on Standard variable rate (SVR)

View all Common Questions?

Is your existing mortgage deal ending soon? You could switch to a new rate 3 and a half months before it ends.

Our current Mortgage rates

Mortgage calculators

Before you switch your Royal Bank mortgage, it's a good idea to find out how changing your mortgage could affect your monthly mortgage repayments.

Use the Mortgage Calculator to compare possible new monthly mortgage repayments. The Calculator will help you find out what our current mortgage interest rate are. It can show how it could affect your monthly mortgage repayments as well.

If you're looking for additional borrowing on your existing mortgage you can see the figures in the mortgage calculator but will need to speak to a mortgage advisor to proceed.

How to apply

Switching to a new deal

 

If you'd like advice on which mortgage to switch to, you can apply by phone or in branch. If you're comfortable choosing a mortgage without receiving advice, you can switch online.

If you’re happy to choose your own deal you can switch online. Just so you know, when you decide to switch online you’ll need to make your own choice about which mortgage meets your needs.

Residential and Buy to let customers

If you know what product to go for and don't want advice then simply do it online. Otherwise you can arrange an appointment to speak to an adviser.

You will need your mortgage account number, surname, date of birth and mortgaged property postcode to sign into Manage my Mortgage.

Sign in to switch deal Arrange a call back
Call us, or we can call you...
Call 
Or arrange a free call back


Opening hours: 
Mon-Fri 8am-8pm, Sat - Sun 9am-4pm
Excluding public holidays.
Calls may be recorded.


Customers with hearing and speech impairments can contact us by using

Minicom number 0800 056 6587

Not sure if your mortgage started before 31st October 2004? If your mortgage account number has 8 digits and begins with a number '2' it will have started before this date. You have the option to either call us or arrange an appointment to discuss your options.

 



 

Offset

You can book an appointment to speak with one of our qualified mortgage advisers in branch or by phone by either contacting your local branch or using the number below.

You can also view our current Royal Bank mortgage rates using our mortgage rate finder.

Use the link above to book an appointment or call us.

 

We are here to help

If you want to know more about switching to a new deal, or have any other questions about switching, please get in touch.

Set Tab for lightbox