Mortgages

Benefit from expert,
personalised mortgage advice

We're here to make applying for your mortgage easy

Looking to switch to a new deal or borrow a bit more to improve your existing property? With Premier Banking you'll have our experienced mortgage team to help make the process easier. Or, if you're ready to get started, you can apply online, by phone or visit us in your local branch.
Royal Bank mortgages are available for over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

Paperless mortgage applications

You can now upload, sign and view all your documents online when you apply.

Take a look at our video to see how easy our paperless mortgage application process is.

Get help using our online tool to upload your documents.

Frequently asked questions about Digidocs.

Your mortgage options

Remortgage to Royal Bank

If your current mortgage is with another lender, you could save money by remortgaging to us.

Why choose Royal Bank?

Simplicity, choice and service.

We pay legal and valuation fees when you move your mortgage to us. Conditions and exclusions apply.

Our Agreement in Principle tool gives an indicative online decision in just 5 minutes.

We offer you the choice of applying for your mortgage online, in branch or by phone. 

Get an Agreement in Principle

Borrowing more on your mortgage

If you have a residential mortgage with us, you could borrow more to improve your home.

Achieve your future plans in the present

Whether you're looking to make some home improvements, or better manage your finances, we could help.

  • Applications for additional borrowing are subject to LTV and must meet our current lending requirements
  • Minimum amount is £10,000 (A personal loan could be an option if you need less)
  • Minimum term 3 years - maximum term 35 years (maximum age 70)
  • Additional borrowing is available on a capital and interest repayment basis. You may be able to borrow more on an interest only basis, subject to criteria.

More about borrowing more on your mortgage.

Buy-to-let mortgages

Talk to your dedicated Premier Banking Manager about expanding your property portfolio.

Develop your portfolio

  • You need to be a UK resident aged between 18 and 70
  • You need at least a 25% deposit, or 35% for any new build houses or flats
  • You must be borrowing at least £25,000 over a minimum of 3 years
  • You must currently own no more than nine Buy-to-let properties, and your maximum borrowing amount cannot exceed £3.5 million
  • The property you wish to purchase, or remortgage to us, must be habitable and worth at least £50,000

Visit our Buy-to-let mortgages page to learn more.

Interest only mortgages

Ask your Premier Banking Manager about an Interest Only Mortgage.

Could you benefit from an interest only mortgage?

You’ll need to earn £75,000 a year

You can borrow up to 75% of the value of the property

Your mortgage must be at least £25,000

Your repayment plan needs to be approved by us

Remember you must make up any shortfall at the end of the term - if you can't repay the outstanding balance in full you could lose your home.

You'll also need to be aged over 18, have a maximum of two applicants - both of whom must be on the mortgage and the title of the property. Your term must finish before you turn 70.

Speak to your Premier Banking Manager

First time buyer mortgages

We could help you onto the property ladder.

First time buyer offers and schemes

You could borrow up to 95% of the value of the property you wish to purchase, if you have a deposit of at least 5% and less than 10%, and the property you’re purchasing is less than £600,000 and not a new build.

Choose any 'cashback' mortgage deal, apply with us and we’ll pay £250 cashback to your solicitor on the day you drawdown your mortgage. The offer is only available on selected mortgages marked with ‘cashback’ and can be changed or withdrawn at any point. Early repayment charges may apply. Max LTV 90%.

Visit our buying your first home pages to learn more.

Get an Agreement in Principle

Mortgages over £500,000

Great offers for Premier customers

  • Bring your mortgage to us and you could benefit from discounted rates on selected re-mortgage deals for balances of £500,000 or over.
  • Discounted rates on selected deals are also available to existing customers renewing your mortgage, or taking additional borrowing, where your overall balance is £500,000 or over.  

These offers can be withdrawn at anytime and early repayment and product fees will apply.

Mortgage Concierge Service

With our Mortgage Concierge Service you'll have the support you need every step of the way:

Dedicated point of contact from start to finish;

Experienced team who understand complexity of your mortgage needs and income streams; and

Competitive rates and no additional large loan fees.
 

I'm already a Royal Bank Mortgage customer

Manage your mortgage online

To manage your mortgage online, all you need is your mortgage account number, the mortgaged property’s postcode and your personal details.

Looking for a new deal?

If your mortgage with us is on a Standard Variable Rate, or your current deal is ending, you could switch to a better deal.  Find out more about switching your mortgage deal, and get a personalised quote in just a few minutes

I'm ready to apply

Get started with your mortgage application

Apply by phone

Contact a member of our mortgage team by phone.

We’ll talk you through the process and arrange a phone appointment with a qualified mortgage adviser.

Your appointment will take around 2 hours.

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

Premier Banking Manager

You can speak to your Premier Banking Manager about your options or browse our full range of mortgages.

They'll have the latest exclusive offers and are available at a time that suits you.

Telephone 0333 202 3332
International +44 131 278 3507
Minicom 0800 027 1398

Apply online

Apply online if you are comfortable in choosing a mortgage without advice from us. However, you won’t benefit from the protection provided by our advised service.

You cannot apply for a Help to Buy, Right to Buy, 95%, Interest Only or Shared Equity mortgages online.

What you'll get:

An indication of how much we could lend to you

A personalised illustration of our mortgage range

You'll be ready to complete your application online today

Before you start:

We do not offer mortgages to those under 18 or not resident in the UK.  
We do not offer multi-party or guarantor mortgages.

 

Are you ready to continue?

What you'll need to apply online today

Income - Your gross income details. This should match the amounts shown on your proof of income documents, eg pay slips and details of any other income you have.

Outgoings - Details of any loan repayments and any credit card balances.

Address - Your current address and post code and the date you moved to this address.

Bank details - Your bank account and sort code number.

Contact details - Your employer's, solicitor's and estate agent's address and postcode.


Your Agreement in Principle is the first step to applying online today. We use a soft credit check at this step, which has no impact on your credit file.