Mortgages - Switching to a new RBS mortgage deal - RBS

Switch to a new deal online

Existing RBS mortgage customers

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The service you're looking for is unavailable at the moment. We'll be back up and running again on 26th April at 8am. Thank-you for your patience.

If you simply want to preview all our rates you can still use our mortgage rate finder.

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

You will need your 8 digit mortgage account number. You can find this on your online or mobile app banking account summary page, if you are registered, or on your annual mortgage statement.

 

If you still can’t find your account number, just use our free call back service and ask us.

View deals Want to switch to a new RBS mortgage deal?

You are eligible to view deals online if:

 You are within 3.5 months of your existing deal ending or on a standard variable rate

There’s more than £25,000 left to pay on your mortgage

You have more than 27 months until your mortgage is fully repaid

 Your RBS mortgage started after October 2004
 

 

 You’re keeping your mortgage amount, term and repayment terms as they are now

 

 If applicable, your current tracker product has ‘track and switch’ facility

 

If you are in any doubt whether you can switch online - simply try imputing your mortgage account number and if we recognise this and let you proceed, you are eligible.

 

View deals
Back soon We are making some improvements

Updates in Progress

The service you're looking for is unavailable at the moment. We'll be back up and running again on 26th April at 8am. Thank-you for your patience.

If you simply want to preview all our rates you can still use our mortgage rate finder.

Easy switching Benefits of switching online

If you're looking for a new deal, we've made it easy to switch online.

 

 All your documentation is sent to your email address, then you verbally accept your new deal - simple and quick

 

 There’s no valuation fee as we don’t need a valuation

 

 No credit score or legal fees to switch your deal

 

 And no long application forms

The benefits of online switching explained
Easy switching The benefits of switching online explained

 

No valuation is required

When you are switching your existing mortgage to a new deal we do not require a new valuation. We will use the last valuation we have for your home. If you think your house value has changed you may want to instruct a new valuation.

If you do want to discuss your valuation you can do so by speaking with a mortgage adviser on the details at the bottom of this page.

No credit score or legal fees

As you are an existing customer you do not have to go through an application process or credit reference searches. There are also no legal fees. If you re-mortgage to another lender you may need to go through this process.

 

Choose your method of paperwork delivery

Details of your new mortgage deal will be sent to you once you have completed the online switching application. You can choose to have these documents sent to you by email or through the post.

 

If you choose to receive this information by email you will receive your documents in PDF format. You can then print off or save for your own records. If you are happy with your new rate, then call us to accept your deal over the phone or return the paperwork in the post.

 

Timescales

You must accept your deal within 14 days and this date will be advised to you in the documentation you receive. This will ensure you secure the deal you have requested. Our products can change from time to time and if the acceptance of your deal is after this time period we may not be able to honour the product you originally requested.

 

Product fee

A product fee is part of the price of the product. This will only be taken once you have confirmed acceptance of the new deal, either by accepting the deal by phone or by returning your paperwork by post. At this point the fee becomes non refundable.

What will happen? Switching is easy with our online service

Frequently asked questions More information about switching your mortgage online
Helpful banking Protecting your money

We are a member of the Financial Services Compensation Scheme (FSCS). The Scheme can pay compensation to customers if they are eligible and the Bank is unable to pay claims against it. Compensation limits for Mortgage advice and arranging (for business conducted on or after 31 October 2004) - maximum £50,000 i.e. 100% of first £50,000 per person

Further information is available here (650K PDF) or visit www.fscs.org.uk.

Deal ending soon? Ready to view deals
View deals
Back soon We are making some improvements

Updates in Progress

The service you're looking for is unavailable at the moment. We'll be back up and running again on 26th April at 8am. Thank-you for your patience.

If you simply want to preview all our rates you can still use our mortgage rate finder.

You will need your 8 digit mortgage account number.

You can find this on your online banking account summary page, if you are registered, or on your annual mortgage statement.

If you can't find your account number, use our free call back service and ask us.

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