Mortgage Calculators | Royal Bank of Scotland

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Mortgage Calculators

Our handy mortgage calculator tools give you an accurate indication of the type of mortgage you could get based on your personal details and current circumstances, helping you to make smart financial choices.

Royal Bank mortgages are available for over 18s

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

No matter what stage you're at in the process, our mortgage calculators can help you:


Step 1: Find out how much you could borrow

Discover how much you could borrow with a Royal Bank mortgage using our simple calculator.

✔ Get an idea of how much you could borrow

✔ Simply enter your income, outgoings and property value

How much could I borrow?

Step 3: Get your Agreement in Principle

If you have your eye on a property, an Agreement in Principle puts you in an ideal place to begin searching for your new home with confidence.


✔ A personalised indication of what we can lend you in just 5 minutes

✔ No impact on your credit file


Get an Agreement in Principle

Step 2: Compare rates and monthly repayments

Use our mortgage calculator and rate finder to work out how much your mortgage will cost.


✔ Easily compare mortgage rates and deals

✔ Get a quick indication of the monthly repayments


What will my mortgage cost?



Step 4: Apply for a mortgage


Get started with your mortgage application today.

Once you've got your AIP, it's time to apply for your mortgage. In most cases you can choose to apply online, in branch or by phone.

See full details on our ways to apply and get started.


How to apply

Other tools and support


Rate change calculator

Our rate change calculator tool helps you understand how a change in interest rates could affect your monthly mortgage repayments.

Simply fill in the details of your existing mortgage to work out what a rate change could mean for you.

Rate Change Calculator

Mortgage overpayment calculator

Our mortgage overpayment calculator gives you an indication of how much overpaying on your mortgage could save you money by reducing the amount of interest you’re charged.

Mortgage Overpayment Calculator

We're here to help

If you have any questions about getting a mortgage with us, please get in touch. You can chat online or by phone, or visit your local branch.

More about our mortgages

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