Royal Bank of Scotland mortgages are available to over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
There's a few steps to take, depending on your circumstances. One of the best places to start is to use our mortgage calculator.
We'll outline everything you need to do and consider when you remortgage with us.
If you're ready to switch your current mortgage to a different deal, or just want to have a look at what we have on offer, you can get started by logging into manage your mortgage.
The best place to start is our mortgage rate finder. Use it to compare our range of fixed-rate and tracker-rate mortgages and to see what your monthly repayments might be.
A remortgage is when you change the mortgage you currently have on your property, by moving it to a new lender.
If you're coming to the end of your mortgage deal, you may want to consider a new deal with your current lender or a new lender. If you don't, you will typically move onto your lender's Standard Variable Rate (SVR), which may prove more expensive in the long run.
However, already have your mortgage with us? Instead of remortgaging, we call this switching to a new deal.
There's a number of reasons that you may want to remortgage, here are some common ones.
Rewarding you for helping the environment.
For customers with energy efficient homes, we're offering discounted 2 year or 5 year fixed rate mortgages when you move your mortgage to us. We’ll also pay £250 cashback to your solicitor on the day you drawdown your mortgage.
If you have a home with a valid Energy Performance Certificate (EPC) rating of A or B, you could be eligible to select a Green Remortgage product. Product fees apply.
The offer is only available on selected mortgages marked with ‘Green Remortgage’ and can be changed or withdrawn at any point. Max LTV 85%. Find out more about green mortgages
Get a personalised indication of how much you could borrow, compare our mortgage rates and find out what the saving could be with an Agreement in Principle. Early repayment charges may apply.
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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
No product fee on selected mortgages
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Enter our free prize draw using the online entry form for a chance to win one of our 5 prizes of £5,000 in cash.
Closing date 13th Sept 2021. One entry per person. Five prizes available – one prize per winner. UK residents & over 18s only. Excludes Northern Ireland.
