Moving to a new home
Royal Bank of Scotland mortgages are available to over 18s. Your home may be repossessed if you do not keep up repayments on your mortgage.
Already have a mortgage with us? Your mortgage could move with you
Most of our mortgages can be moved to your new home, avoiding early repayment fees if you're still on a deal. This is called 'porting'...move home more easily with us
Why choose Royal Bank?
We’ll pay your legal and valuation fees when you move your mortgage to us. (There may be instances where you do not qualify for this, please speak to us for more information.)
You can upload, sign and see all your documents online with our paperless online application
Track and manage your application online
No product fee on selected mortgages
Already started? Sign in and pick up where you left off
Could you save money with a new greener home?
Buy an energy efficient home and you could save money on your monthly mortgage payments.
Go green for discounted mortgage rates.
Royal Bank Green Mortgages are available to over 18s purchasing a home with a valid Energy Performance Certificate (EPC) rating of A or B. Available on selected products. Product fees may apply. Your home may be repossessed if you do not keep up repayments on your mortgage.
How to move home with us
How much could I borrow?
What is an Agreement in Principle?
Ready to apply?
If you're ready to apply, we're here to help try to make the process as easy as possible. You can always talk to someone if you need to.
Home mover guides
Mortgage offers and schemes
Borrow up to 95% of your home's value
A 95% mortgage allows you to borrow up to 95% of the total cost of your property.
You'll need a deposit of 5% or more, but less than 10%. The property you're buying needs to be worth less than £600,000.
Get cashback with your mortgage
Get a cashback mortgage with us and we'll give you £250 cashback on your legal fees the day you draw down your mortgage.
This offer is only available on selected mortgages marked with 'cashback', and we can change or withdraw it any time. Early repayment charges might apply and there's a maximum Loan to Value of 85%.
Help with common questions
Need some help?
Call us
Arrange a callback
Complete our quick form to arrange a callback at a time that suits you, including evenings and weekends.
This will allow you to arrange a phone or branch appointment with a qualified mortgage adviser.