How can we help you?

Manage your
mortgage online

Searching for a better deal?

If your mortgage with us is on a Standard Variable Rate, or your current deal is ending, you could switch to a better deal.

Find out more about switching your mortgage deal, and get a personalised quote in just a few minutes.

Tools to help you plan

Check out our range of calculators below. They have been designed to help you better understand and manage your mortgage options.
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Overpayment calculator

Use our overpayment calculator to see how much you could save by making either extra monthly payments or paying a lump sum to your capital repayment mortgage.
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Borrowing calculator and rate finder

We'll quickly show you how much we may be able to lend you, as well as our mortgage rates. Just have details of your income, outgoings, deposit and cost of your new home ready.

Borrowing options for our customers

As well as the ability to borrow more on your mortgage, we now offer personal loans to our existing mortgage customers. Whether you're looking to make some home improvements, or better manage your finances, we can help.

Borrow more on your mortgage

Achieve your future plans in the present

If you have a residential mortgage with us, you could borrow up to 90% of the value of your home. 

  • Applications for additional borrowing are subject to LTV and must meet our current lending requirements
  • Minimum amount is £10,000
  • Minimum term 3 years - maximum term 35 years (maximum age 70)

Additional borrowing is available on a capital and interest repayment basis. You may be able to borrow more on an interest only basis, subject to criteria.

Personal loans to our existing mortgage customers

Representative 3.4% APR for loans between £7,500 and £19,950

Other loan amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.

To apply, you must be 18+ and a UK resident with either a Royal Bank current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone.

A guide to paying off your mortgage

Our mortgage repayment guide covers the different types of mortgage available, as well as things to consider if you're looking to pay off your mortgage early.

Is there anything else we can help you with?

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