Switch to a new mortgage deal

Got a mortgage with us that's rolling off its current rate?
Take a peek at how to switch to a new deal with us

Get started on switching your mortgage

Ready to switch your mortgage to a different deal, or just want a look at what we have on offer?

Get started by logging in to our "Manage my Mortgage" system and get a personalised quote in only a few minutes.

Alternatively, if you'd rather talk to someone about switching your mortgage product, you can talk to one of our advisers.

To log in, all you'll need is:

Your mortgage account number


Date of birth

Your mortgaged property postcode

Not sure if you can switch right now?

You need to talk to us if

You would like advice about choosing a new deal.

You have a RBS Offset mortgage.

You can choose to switch online if

You’re happy to choose your new deal yourself without advice.

Your current Residential or Buy to Let mortgage deal is coming to an end.

Your mortgage deal has ended and you're currently paying our Standard Variable Rate (SVR).

Why keep your mortgage with Royal Bank?

We know you

As an existing customer, we already have your details, meaning we don't need to carry out any credit or affordability checks.

Getting a quote is quick

Our secure online platform lets you complete your application in under 10 minutes.

You can plan in advance

You can pick a new deal three months in advance, we'll switch it when your current deal ends.

Choice and confidence

Your quote is personalised and you can progress online or in person, whichever you're more comfortable with.

Mortgage payment holiday

If you are planning or have already taken a payment holiday, you can still apply to switch your mortgage deal. During the mortgage switch process, please note your new monthly payment will be indicative. At the end of your payment holiday, we will write to you to confirm your revised monthly payment, which will be calculated based on your outstanding mortgage balance as at that date.

Please note, if you are in arrears you can log in to Manage my Mortgage to see the rates available and get a personalised quote. Although you’ll not be able to request your new deal online, you’ll be able to make an appointment with one of our mortgage team over the phone or in branch who’ll be happy to help you apply.

Things to consider when choosing your new deal

Whether you're rolling off your current deal or are already on our Standard Variable Rate (SVR), we could have an option to suit your circumstances. You may also want to think about:

  • How important is it that your monthly payment remains the same for an agreed period of time?
  • How you feel about changes in interest rates, and the impact that this could have on your monthly mortgage payment?
  • How you feel about lower monthly payments in the early years, even if they fluctuate?
  • Do you see any changes in your circumstances within the next 2 to 5 years that could impact your finances?

Something else we can help you with?