not keep up repayments on your mortgage
Could you save money on your mortgage?
Your mortgage deal is ending soon, and your mortgage will change to our Standard Variable Rate
See if you could save with our range of mortgage deals
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.
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.
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.
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.
✔ 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 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
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'.
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.