Remortgaging - How to remortgage your house | Royal Bank of Scotland

Remortgaging is a good time to review your mortgage term or the amount that you're borrowing, so that it still fits your personal circumstances. Here's some points you might choose to think about:

• What type of mortgage are you currently on? Are you on a Standard Variable Rate (SVR) or a Fixed Rate, read our Mortgage Range where you can check which types are available, and explore what's on offer.

• How long is left when you roll off your mortgage deal onto a Standard Variable Rate (SVR), and how much it will cost you per month?

• Are there any Early Repayment Charges (ERC’s) on your current deal?

Take your time to research the best deal for you. You can use our Mortgage Calculator tool to understand our rates and estimate the monthly costs.

Use our mortgage calculator

Once you've done your research and you're ready to apply, why not use our online Agreement in Principle to get an indication of how much we could lend to you? It gives a personalised view of the mortgages that could be available, and it's just a soft credit check that doesn’t impact on your credit file.

Get started with an Agreement in Principle

From there you apply online (if you are confident in choosing the right mortgage and are happy to take responsibility for your decisions without any advice), over the phone, or in a branch.

It can take time and effort just to get to this stage, but now you’re well on the way to remortgaging your property.

We understand the whole process can seem a little overwhelming at times, so take a look at this simple step-by-step guide to help you understand the next steps:

Mortgage Applications
What happens next?