Existing customers moving home
Take your mortgage deal with you
Your home or property may be repossessed if you do not keep up your repayments on your mortgage
If you already have a Royal Bank of Scotland mortgage and you're looking to move home, then you may be able to take your existing deal with you.
Your new mortgage application must be completed prior to redeeming your current mortgage.
Most of our deals are portable, which means that if you are an existing mortgage customer you could take your rate with you if you move. To port, you'll need to qualify for a new mortgage and not have a gap between selling and buying of more than four months. Other conditions may apply - to discuss your porting options, book an appointment with an adviser.
Because you are an existing mortgage customer, we want to make it easier for you to stay with us when you move home. This means you will probably not pay an early repayment charge when you take your existing rate to your new mortgage.
- We already know you, so it's quicker and easier to buy your next home with us
- Almost all of our mortgages are portable
- Your new mortgage application must be completed prior to redeeming your current mortgage
- When you move home you can take your existing mortgage balance at your existing rate and there is no need to pay an early repayment charge
- If you need a bigger mortgage, then you can port your existing borrowing and take advantage of our current great deals for the difference
- If you're downsizing and reducing the size of your mortgage, then an early repayment charge may be applicable, subject to any remaining overpayment allowance