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.

Borrowing more on your mortgage

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

Buy-to-let mortgages

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

Interest only mortgages

Ask your Premier Banking Manager about an Interest Only Mortgage.

First time buyer mortgages

We could help you onto the property ladder.

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These offers can be withdrawn at anytime and early repayment and product fees will apply.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