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Time to renew your mortgage?

You could save money by changing to a new deal

Sign in and view deals
Your home may be repossessed if you do
not keep up repayments on your mortgage

Could you save money on your mortgage?

Your mortgage deal has ended, and you're now on our Standard Variable Rate
See if you could save with our range of mortgage deals

Sign in and view deals Looking to renew your mortgage?

Sign in to Manage my Mortgage (you will need your mortgage account number and property post code), review your existing mortgage deal, see if you could save money and select a new deal.


Sign in and view your deals

Try our Mortgage Rate Finder tool Don't have your sign in details?

If you don't have your mortgage account number to hand, you can still find out what mortgage rates we have available.  Simply use our Mortgage Rate Finder, tell us a few details about your mortgage and we will show you what deals are available.

Try our Mortgage Rate Finder tool

Ways to renew your deal

You can choose your new deal in branch, over the phone or online. We will send your paperwork and you will have up to 14 days to decide if you want to accept.  

Without advice...

If you are confident in choosing the right mortgage and are happy to take responsibility for your decisions without any advice, you can renew your mortgage online.

It’s important to note that you will not benefit from the protection of us assessing the suitability of your mortgage for you and therefore if your choice turns out to be inappropriate, we will not offer you compensation.

With advice...

Whether you’d prefer to meet with us face to face in branch, or renew your mortgage over the telephone, our advice service may suit your needs.

You’ll benefit from one of our qualified advisers assessing your needs and recommending the mortgage deal we believe is suitable for you.

Call us
Call us or we can call you How can we help?

Call 0800 056 0567


Opening hours: 
Mon-Fri 8am-8pm, Sat-Sun 9am-4pm.
Excluding public holidays.
Calls may be recorded.


Customers with hearing and speech impairments can contact us by using

Minicom number 0800 056 6587


You can view your deals online if:
  • You have more than £25,000 left to repay on your mortgage (single or multi-part)  
  • You have more than 27 months until your mortgage is fully repaid
  • You have a residential mortgage - i.e. not Buy to Let or Offset
  • You have no more than 5 parts (sub-accounts) to your mortgage
  • Your RBS mortgage started after October 2004
  • You are up to date with your mortgage repayments i.e. not in arrears


If you are not eligible to sign in to view your deals you can still review RBS rates using our Mortgage Rate Finder.

Why stay with RBS?

 

✔ No legal fees or credit checks

As you are an existing customer there is no credit reference search and there are also no legal fees.

✔ No valuation required

We do not require a new valuation when you are changing your existing mortgage to a new deal.We will use the last valuation we have for your home. If you think your house value has changed, you can request to have a new valuation. 

✔ Increased overpayment allowance

We will temporarily increase your annual overpayment allowance from 10% to 30% of your outstanding balance, for the 3.5 months preceding your mortgage deal end date, without you incurring an Early Repayment Charge.

Receive your documentation by e-mail and/or by post

Once you've chosen your rate, we'll send your paperwork by email and/or post. You will then have 14 days to decide if you want to accept.
can also call us.

Has your property increased in value? New Valuation

Has your property increased in value since last time you renewed your mortgage?  

You may be eligble for a lower rate deal. We can provide a free estimation over the phone. If you have made improvements like an extension this will not be taken into account, but you have the option to pay for a full valuation.

How to request an update to date valuation
More about valuation prices

Sign in and request new valuation
Want to make an overpayment? Overpayment

Making a lump sum payment, or overpayment, could reduce the term of your mortgage, or your monthly repayments.

Use our Overpayment Calcuator to see how much you could save, or to make an overpayment simply sign in to your account and select 'Make or change a payment'.  

Use our Overpayment Calculator Tool Sign in and request an overpayment

Additional borrowing Borrowing more?

If you are switching to a new deal and would like to borrow more at the same time, you can take all borrowing at the same rate and you will only pay one product fee.

Use our Mortgage Calculator to see our available mortgages rates. To apply for a new deal with additional borrowing, make an appointment with one of our expert mortgage advisers.

Find a new mortgage Call us to book an appointment
Call us or we can call you How can we help?

Call 0800 056 0567


Opening hours: 
Mon-Fri 8am-8pm, Sat-Sun 9am-4pm.
Excluding public holidays.
Calls may be recorded.


Customers with hearing and speech impairments can contact us by using

Minicom number 0800 056 6587

Ready to change deal?
Sign in and view deals
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