Bringing your mortgage home to us
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.
Getting ready to apply
How it works
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.
Mortgage with us already?
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.
Find a remortgage deal
The best place to start is our mortgage calculator. Use it to compare our mortgages and to see what your monthly repayments might be.
What is a remortgage?
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.
If you already have your mortgage with us, you may wish to look at switching to a new deal.
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
No product fee on selected mortgages
Already started? Sign in and pick up where you left off
Reasons to remortgage
There's a number of reasons that you may want to remortgage, here are some common ones.
Your current mortgage deal is due to finish
You're currently on or within three months of moving onto your lender's Standard Variable Rate (SVR) and want to lock in a better rate
You want to borrow more money against your home
You want to release equity on your home
You want to change the number of years remaining on your mortgage
5 chances to win £5,000 Cash
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 17th May 2021. One entry per person. Five prizes available – one prize per winner. Excludes Northern Ireland. Over 18s only.
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.
Our mortgage team will call you back to arrange a phone or branch appointment with a qualified mortgage adviser.