Applying for
a Remortgage

Your steps to remortgaging with us

  1. 1

    Find out how much your property is worth

    An estate agent can give you an evaluation, or you can get a rough idea of value by looking up the selling price of similar properties in your area. Then you can use our calculators to see how much we might be able to lend you.


  2. 2

    Check how much is left to pay on your mortgage

    Look at the latest mortgage statement you received from your current mortgage provider to see how much is left to pay. Here’s some good news: move your mortgage to us and we'll pay your valuation and legal fees. (Exclusions apply.)


  3. 3

    See if there are any outstanding charges 

    Your current provider might ask for an Early Repayment Charge (ERC). ERCs are usually calculated as a percentage of the outstanding balance left to pay off. This could be thousands of pounds. Check your paperwork to see if it applies. 

    Also, many lenders will charge an exit fee for closing your mortgage account with them, even if you are outside an introductory deal. These tend to be between £50 and £300.

    If you haven't yet thought about how you will pay off your current mortgage early, read our mortgage repayment guide.


  4. 4

    Compare our mortgage rates

    Enter a few details into our mortgage rate calculator and we’ll show you all the RBS mortgages that could be right for you, based on what you've told us.

    Thinking of borrowing more? No problem, it's easy to vary the amounts in the calculator.


  5. 5

    Get an indicative decision 

    You’ll need to get an Agreement in Principle to see if we think we may be able to lend you the amount you require.

    This isn’t a firm decision, but it’s the most accurate result we can give you without performing a full credit check. It won't take long and it won’t affect your credit score.


Before you apply

What you need to have

It will help if you have the following documents handy

Three months' worth of payslips and bank statements to work out your income, plus any loan or credit card statements to help work out your monthly expenses.

Eligibility info

What you need to know

We don’t currently offer remortgages on multi-party (three or more applicants) or guarantor mortgages. All of our remortgage products are on a capital and interest basis only.

Credit checks

About soft and full credit checks

When you apply for an Agreement in Principle, we'll need to do a “soft credit check”. But don’t worry, this won’t affect your credit score. If you go on to apply for a remortgage, we'll do a full credit check, which will show up on your credit file.

Get started on your application

Applying for a remortgage should be quick and easy. The first step is to get an Agreement in Principle. You can do that online and, if you prefer, you can do it over the phone with our mortgage team.

If you already have a RBS mortgage, you can log in to Manage Your Mortgage to see what offers are available, and to apply online. Also, you won’t have to resubmit any paperwork, unless your details have changed.

Start applying for your remortgage

Applying online

Already have an RBS mortgage?

If you're already a RBS mortgage customer, you won't need to resubmit paperwork, such as evidence of income, unless your circumstances have changed.

Log in to Manage Your Mortgage, see what offers are available and apply online.

All you need are your mortgage account number, name, date of birth and your postcode.