Switch to a new Deal - Mortgages | Royal Bank

A couple at their kitchen table, using their laptop to go online and view new deals for renewing their existing Natwest mortgage.

Choosing your new mortgage deal

Renew your mortgage

Sign in and view deals

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

Switch to a new Mortgage deal My existing mortgage deal is...
  • Residential

  • Buy to Let

  • Offset

Residential

Taken after October 2004 Residential mortgage

Is your RBS mortgage deal coming to an end or are you currently paying our Standard Variable Rate?

With our great residential mortgage rates, it may be time to look for a new mortgage deal

Sign into Manage my Mortgage to view what mortgage deals are available for you

Sign in and view deals

Trouble signing in?

To sign in to Manage My Mortgage and view your available deals you will need to the following:

- Your eight digit mortgage account number (if you're not sure you can get this from Online, Mobile or Telephone Banking)
- Your date of birth
- Your surname
- The postcode of the mortgaged property (not your correspondence address if this is different)

Not quite sure when your existing mortgage started?

If your mortgage commenced after 31st October 2004 your eight digit mortgage account number will begin with a 3 or a 7.

Buy to Let

Looking for a new deal? Buy to Let mortgages

You can book an appointment to speak with one of our qualified mortgage advisers at your local branch or by phone. Call us to make an appointment.

Before your appointment you can also view our current RBS mortgage rates using our mortgage rate finder.  

 

Call  0800 056 0567

Opening hours: 
Mon-Fri 8am-8pm, Sat 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

 

rbs_phone_app

Offset

Looking for a new deal? Offset mortgages

If you have a current RBS Offset mortgage and you are considering changing it to one of our Fixed or Tracker rates, one of our mortgage advisers can help you do this. This means changing your mortgage account number which is something we currently only offer as part of our phone and branch service.

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 RBS mortgage rates using our mortgage rate finder.  

Call  0800 056 0567

Opening hours: 
Mon-Fri 8am-8pm, Sat 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

 

rbs_phone_app
Why stay with RBS?

 

✔ No legal fees or credit checks

As you are an existing customer there is no credit reference search and there are also no legal fees.
 

✔ No valuation required

We do not require a new valuation when you are changing your existing mortgage to a new deal. We will use the last valuation we have for your home. If you think your house value has changed, you can request to have a new valuation. 
 

✔ 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.
 

Receive your documentation by e-mail and/or by post

Once you've chosen your rate, we'll send your paperwork by email and/or post. You will then have 14 days to decide if you want to accept. 

 

Scotland's Best

Mortgage Lender

 

 

Unsure if a new mortgage deal is right for you? Switch to a new Mortgage deal

Unsure about rates?

couple-on-couch-on-ipad

Interest rates may rise at some point in the future. The rises may be small and gradual, but they'll affect everyone with a mortgage.

Research from the Money Advice Service shows that three out of four homeowners haven't considered how a rise would affect their repayments.How could interest rate changes impact you?

Moving home?

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Moving home is an exciting time. Whether you are just at the planning stage or are ready to look at your mortgage options, we're here to help.

Get started with our tools today and let us take care of the mortgage so that you can focus on the move.
Let us help you move home

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 www.fscs.org.uk.

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