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Applying for a mortgage

Ways to apply
for a mortgage with RBS

Apply in branch or by phone

If you want advice on your mortgage options, you can meet one of our mortgage advisers at your local branch, or talk with a member of our mortgage team over the phone.

These appointments usually take around two hours.

Apply online

If you're comfortable to choose a mortgage without advice from us, then you can apply online. However, you won’t benefit from the protection provided by our advised service.

Applying online should take around 30 minutes.

You'll need to get an Agreement in Principle first and then continue to apply for the mortgage that you select.

Just so you know, you cannot apply online for a Right to Buy, shared equity, interest only or 95% mortgages, or if you're consolidating personal debt when remortgaging. 

Also, if you have tied accommodation or you work for the armed forces, please call us or visit your nearest branch.

Not quite ready to apply for your mortgage?

Mortgage calculators

Before you start your application, it's good to find out how much you could borrow and what the costs might be.

Use our mortgage calculators to find out.

Mortgage guides

We know mortgages can be a complicated subject. 

Read our mortgage guides to get some information to help you on your home buying journey.

Porting an existing mortgage deal

Moving home and want to keep your existing mortgage?

To apply to port your mortgage, speak to one of our mortgage advisers in branch or by phone.

Need some help?

Call us

Arrange a callback

Complete our quick form to arrange a callback at a time that suits you, including evenings and weekends.

This will allow you to arrange a phone or branch appointment with a qualified mortgage adviser.

Something else we can help you with?