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We're here to make applying for your mortgage easy
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.
This offer can be withdrawn at anytime and early repayment and product fees will apply.
Remortgage to Royal Bank
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.
First time buyer mortgages
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 The offer is only available on selected mortgages marked with ‘cashback’ and can be changed or withdrawn at any point.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 the Royal Bank personal website to learn more about buying your first home.
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 the Royal Bank personal website to learn more about Buy-to-let mortgages.
Interest only mortgages
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.
Manage your current mortgage online
Features available to manage your mortgage online:
Set up a regular overpayment, make a lump sum overpayment and use overpayment calculator
Change your payment date or payment bank account
Set up a direct debit or request a Certificate of Interest
Switch to a new rate
Request permission to let your property
View your current balance
Check your last valuation amount and your loan to value amount
Check your monthly payment & due date