Mortgages | Royal Bank of Scotland Private

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Mortgages

Whatever you need, we have a mortgage to suit

Available for over 18s

Get in touch

How can we help you?

Speak to our UK-based team. 

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

If you are based in England or Wales please call 0800 210 0214.


Eligibility criteria
Available to all customers with a sole income of at least £100,000 or a joint income of £120,000 paid into their Royal Bank of Scotland account, or minimum outstanding mortgage borrowings with us of £500,000, or savings and investments of at least £100,000 held with us.

Your home or property may be repossessed if you don’t keep up your mortgage repayments

Mortgages Mortgages to suit all your property plans

Big ambitions for a dream home or itching to get into buy-to let? Whatever your plans, we have a wide range of mortgages to suit your needs.

Our Mortgages

We offer a range of other mortgages including buy-to-let and residential on a capital repayment basis. Speak to your Private Banking Manager about your options or browse our full range.

See our full range

Interest Only Mortgages

As a Private Banking customer, you will have access to our exclusive Interest Only Mortgage. This lets you pay just the interest, for a lower monthly repayment – with full repayment down the track.

More about Interest Only Mortgages

Already have a mortgage?

Learn more about fees and charges, making an overpayment and borrowing more. You can also manage your mortgage online to view your current balance, change your payment date, set up a regular overpayment and more.

Manage your mortgage
Mortgages Getting started is easy

Take a look at our rates and deals

Thinking of moving home? Find out what your repayments are likely to be and whether there are any additional fees or repayment charges. Have a mortgage elsewhere? See if Royal Bank of Scotland can save you money. Review our rate and get an indication of whether we can lend you the amount you need with an Agreement in Principle.

Mortgage Rate Finder

How to apply

Know what you're looking for? You can get an agreement in principle online and thereafter decide if you wish to apply in branch, by phone or online. For an Interest Only Mortgage, speak to your Private Banking Manager.

For mortgages over £500,000 you will be assigned your own personal Concierge Manager, as your dedicated point of contact. From the moment you apply, to the first direct debit. They will be on hand, every step of the way.

Learn more about the Mortgage Concierge Service
Mortgage Concierge Service

With our Mortgage Concierge Service, we will be on hand, every step of the way. To ensure you have the support you need.

  • Dedicated point of contact from start to finish;
  • Experienced team who understand complexity of your mortgage needs and income streams; and
  • Competitive rates and no additional large loan fees.

Eligibility Criteria

  • Mortgages over £500,000
How to apply
How to apply

Get in touch

Wherever you are – home or abroad – you can take advantage of our dedicated teams that are here to help. You can also book an appointment with your Private Banking Manager for expert banking support.

NatWest Private Team Chat with our team online

Our dedicated WebChat team is on hand 24/7, to help you. They can help you with things like:

  • Real-time balances and up-to-the-minute statements;
  • Mobile app and digital banking;
  • Instant transfers between your Royal Bank of Scotland accounts, paying bills and making payments;
  • Managing Direct Debits and standing orders; and
  • Arranging a free financial review with your Private Banking Manager.  

 
I need help with my Black Reward Benefits
Login in to membership services to get all the information you need about your benefits and use them online.

Chat now
NatWest Private Team Chat with our team online

Our dedicated WebChat team is on hand 24/7, to help you. They can help you with things like:

  • Real-time balances and up-to-the-minute statements;
  • Mobile app and digital banking;
  • Instant transfers between your Royal Bank of Scotland accounts, paying bills and making payments;
  • Managing Direct Debits and standing orders; and
  • Arranging a free financial review with your Private Banking Manager.  

 
I need help with my Black Reward Benefits
Login in to membership services to get all the information you need about your benefits and use them online.

NatWest Private Team Telephone banking

Wherever you are – home or abroad – call our dedicated telephone banking team (Private 24) at any time, day or night. They can help you with several things including:

  • Transfers, payments and international payments;
  • Balances and up-to-the-minute statements;
  • Managing your Direct Debits and standing orders;
  • Arranging a free Financial Health Check; and
  • Booking an appointment with your Private Banking Manager.  

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

If you are based in England or Wales please call 0800 210 0214.

  
I need help with my Black Reward Benefits
Login in to membership services to get all the information you need about your benefits and use them online.

Call Private 24
NatWest Private Team Telephone banking

Wherever you are – home or abroad – call our dedicated telephone banking team (Private 24) at any time, day or night. They can help you with several things including:

  • Transfers, payments and international payments;
  • Balances and up-to-the-minute statements;
  • Managing your Direct Debits and standing orders;
  • Arranging a free Financial Health Check; and
  • Booking an appointment with your Private Banking Manager.  

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

If you are based in England or Wales please call 0800 210 0214.

  
I need help with my Black Reward Benefits
Login in to membership services to get all the information you need about your benefits and use them online.

NatWest Private Team Book an appointment

From making your money work harder, reviewing your financial goals or getting set-up for mobile banking. Your Private Banking Manager is here to make your life easier and run more smoothly.

If you don't have their mobile number to hand. Call us and we can book an appointment for you.

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

If you are based in England or Wales please call 0800 210 0214.


If you are based in England or Wales, instead of a Private Banking Manager you will have a Bank Manager or Relationship Bank Manager. Unless stated otherwise, all services are still available to you. 

Book appointment
NatWest Private Team Book an appointment

From making your money work harder, reviewing your financial goals or getting set-up for mobile banking. Your Private Banking Manager is here to make your life easier and run more smoothly.

If you don't have their mobile number to hand. Call us and we can book an appointment for you.

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

If you are based in England or Wales please call 0800 210 0214.


If you are based in England or Wales, instead of a Private Banking Manager you will have a Bank Manager or Relationship Bank Manager. Unless stated otherwise, all services are still available to you. 

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NatWest Private How can we help you?
Get in touch

How can we help you?

Speak to our UK-based team. 

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

If you are based in England or Wales please call 0800 210 0214.


Eligibility criteria
Available to all customers with a sole income of at least £100,000 or a joint income of £120,000 paid into their Royal Bank of Scotland account, or minimum outstanding mortgage borrowings with us of £500,000, or savings and investments of at least £100,000 held with us.

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