Mortgages - Switching to a new mortgage deal - Royal Bank of Scotland

Currently on our Standard Variable Rate mortgage?

Review your deals and options...

View your deals

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

Bank of England Base Rate hasn't changed for 5 years
...what would you do if interest rates rise?


Use our rate change calculator to see what impact a rate change could have on your monthly payment.


Act now to make sure you're on the best deal for you…
it's easy to switch to a new deal with us...


Considering your options whilst on our Standard Variable Rate mortgage? You can view your deals online if:

You have more than £25,000 left to repay on your mortgage (customers who only have one
part  If you have a mortgage made up of part capital & interest and part interest only, or you have taken additional borrowing since you first took your mortgage with us, then you will have a multiple part mortgage made up of your main account and a number of sub-accounts to their mortgage) and more than 27 months until your mortgage is fully repaid


The parts/ subaccounts If you have a mortgage made up of part capital & interest and part interest only, or you have taken additional borrowing since you first took your mortgage with us, then you will have a multiple part mortgage made up of your main account and a number of sub-accounts to your mortgage, eligible for renewal have more than £25,000 in total left to be repaid and there is more than 27 months until each of these parts is fully repaid

You have a residential mortgage - i.e. not Buy to Let

You have no more than 5 sub-accounts to your mortgage

Your Royal Bank of Scotland mortgage started after October 2004


If you are not eligible to sign in to view your deals you can still review Royal Bank of Scotland rates using our mortgage calculator.


To view your deals you will need your 8 digit mortgage account number.

You can find this on the summary page of your online or mobile app banking account, if you are registered, and on your annual mortgage statement.

In branch, by phone and online Ways to renew your deal

You can choose your new deal(s) in branch, over the phone or online. We will send your paperwork and you will have up to 14 days to decide if you want to accept. 

In branch or by phone - Advice service


One of our qualified mortgage advisers will talk to you and assess your needs and circumstances. The adviser will recommend a mortgage which we believe is suitable for you. In this service Royal Bank of Scotland are responsible for ensuring that the mortgage is suitable for you based on the information you provide.

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How can we help? Call us

Call 0345 7212 600

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

Online - Execution only service


Execution only means that you choose the mortgage yourself, and we do not give you advice or assist you in making your choice. You should only use the Execution only service if you are confident that you are able to choose the right mortgage for your circumstances and are happy to take responsibility for your decisions.

Unlike our Advice service, you will not benefit from the protection of us assessing the suitability of the mortgage for you and we will not be responsible for your selection. Because of this we will not offer you compensation if your choice turns out to be inappropriate. We may be unable to offer Execution only if we consider it is more appropriate to provide you with advice.

Learn more View deals

Considering your options whilst on our Standard Variable Rate mortgage? Other ways we can help you understand your options:

As it's been a while since you last reviewed your mortgage, your circumstances and your property value may have changed. Here are things you can consider to help find the right mortgage for you in your present situation.


1. You can ask us to instruct a new valuation on your property if you feel it has increased in value, for instance you may have had an extension built.

If the valuation does come back higher, you may have increased options available to you, as your Loan-to-Value ratio may have improved. This may allow you to change to a better deal, release some equity or a combination of the two.


2. Use our helpful mortgage overpayment calculator to see the impact on your mortage if you make either a one-off or regular payment.

It is an ideal time to do it whilst you are currently on Standard Variable Rate and before arranging a new deal.


3. If you are planning to move house we can support you through that journey via a Mortgage Advisor.


4. You can manage your mortgage online

Request a one-off or regular overpayment, change your payment date or request a new valuation.

Easy switching Benefits of renewing with Royal Bank of Scotland:

No credit score and legal fees

As you are an existing customer you do not have to go through a credit reference search. There are also no legal fees. If you re-mortgage to another lender you may need to go through this process.

No valuation required

When you are switching your existing mortgage to a new deal we do not require a new valuation. We will use the last valuation we have for your home.

If you think your house value has changed you may want to instruct a new valuation. If you would like to discuss arranging a new valuation you can do so by speaking with us on the telephone number below.

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. This could reduce your Loan to Value (LTV) and make you eligible for products in a lower LTV band, meaning you could secure a lower interest rate. To make an overpayment before renewing, please call us on the telephone number below.

We give you time to make up your mind

We will send your paperwork by e-mail (if you applied online) and will also always post this to you.

You will then have 14 days to decide if you want to accept. To do this you can simply return the paperwork in the post or if you applied by phone/in branch you can also call us.

Frequently asked questions More information about switching your mortgage


View all existing Royal Bank of Scotland customer FAQs
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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