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

Find out how much you could borrow before you start looking for your new home.
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Mortgage rate finder

Use the mortgage rate finder to view our rates and get a monthly repayment quote

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.

Common questions about managing your mortgage

To order a statement for your mortgage account please contact our mortgage department.

Existing mortgage queries

Call 0345 7212 600
Minicom number 0800 056 6587
Open Monday to Friday 8am - 8pm, Saturday 9am - 4pm (excluding public holidays)
Calls may be recorded.

Whether you want to pay your mortgage or an additional mortgage account off in full, or you have decided to move your mortgage to another provider, you will require a redemption statement to do so. This statement will provide you with the total amount payable to redeem your mortgage, including your current mortgage balance, any fees applicable and the daily rate of interest.

You can order a redemption statement by calling our Mortgage Team over the phone and we will post it to the correspondence address we hold on file for you within 5 working days (please allow a further 4 working days for your statement to arrive).

Existing mortgage queries

Call 0345 7212 600
Minicom number 0800 056 6587
Open Monday to Friday 8am - 8pm, Saturday 9am - 4pm (excluding public holidays)
Calls may be recorded.


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

There are two main ways to make an overpayment into your mortgage, either by making a lump sum payment or by making regular extra monthly overpayments. You can use our overpayment calculator to work out how much you could save by making either regular extra monthly payments or paying a lump sum to your capital repayment mortgage.

If you want to set up regular monthly overpayments please sign into Manage my Mortgage. To sign in you will need:

  • your mortgage account number
  • your surname
  • your date of birth
  • mortgaged property's postcode

You will automatically be registered to the Manage my Mortgage service online.

Once you are signed in you will need to scroll down to 'Further options' and select 'Make or change a payment'. This service is available from 7am to 12am midnight. The information shown is updated overnight, so may not include any changes to your mortgage balance today.

To sign in to the Manage my Mortgage portal, you will need:

  • your mortgage account number
  • date of birth
  • last name
  • postcode of the mortgaged property

If these details are not entered correctly you will be unable to sign in. You will be given instructions as to how to enter them correctly and an offer to try again. If you are sure your details are correct and are still unable to sign in then you should contact us. We will be able to help you with the sign in process.

Existing mortgage queries

Call 0345 7212 600
Minicom number 0800 056 6587
Open Monday to Friday 8am - 8pm, Saturday 9am - 4pm (excluding public holidays)
Calls may be recorded.


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

There is no early repayment charge if you switch your deal and are not making any changes to your current mortgage. If you're within the last 3.5 months of your current deal and you want to switch with us there will be no early repayment charge.

If you have recently rolled off onto our standard variable rate or are already on a standard variable rate there is no early repayment charge.

Your mortgage account number is used to identify your mortgage with Royal Bank of Scotland, and you will also use it to log in to 'Manage my Mortgage', our service to help you manage your mortgage online.

You can find your mortgage account number in various places:

  • On your original mortgage paperwork, which we sent to you when you completed your mortgage with us
  • If you use Digital Banking you can view your mortgage account number there. You will find your mortgage account on the 'Account Summary' screen, and your account number will be displayed with it
  • If you use our Mobile app, you can find your mortgage account in the 'Accounts' section. As with Digital Banking your mortgage account number is also displayed

If you're unable to find your mortgage account number in one of these ways you can contact us. After a few security questions we can provide you with your mortgage account number.

Existing mortgage queries

Call 0345 7212 600
Minicom number 0800 056 6587
Open Monday to Friday 8am - 8pm, Saturday 9am - 4pm (excluding public holidays)
Calls may be recorded.

Is there anything else we can help you with?

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