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The Royal Bank of Scotland (RBS) operates through Scotland, England and Wales.  Their mortgages include specific products aimed at homeowners, first time buyers and buy to let landlords.

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Mortgage type
Initial rate term
TSB logo
Fixed Feb-2023 From TSB
Initial rate 1.24% Feb-2023
Maximum LTV 60%
Overall cost of comparison 3.3% APRC
See deal
TSB logo
Fixed Feb-2023 From TSB
Initial rate 1.24% Feb-2023
Maximum LTV 60%
Overall cost of comparison 2.5% APRC
See deal
Halifax logo
Fixed Feb-2023 From Halifax
Initial rate 1.28% Feb-2023
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal
Halifax logo
Fixed Feb-2023 From Halifax
Initial rate 1.28% Feb-2023
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal
Call NatWest 0800 096 7889
NatWest logo
Fixed Mar-2023 From NatWest
Initial rate 1.31% Mar-2023
Maximum LTV 60%
Overall cost of comparison 3.3% APRC
See deal
Call NatWest 0800 096 7889
NatWest logo
Fixed Mar-2023 From NatWest
Initial rate 1.34% Mar-2023
Maximum LTV 60%
Overall cost of comparison 3.3% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

Please make sure you meet the following criteria:

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Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

Compare Royal Bank of Scotland mortgages

Make sure to familiarise yourself with all of the available types of mortgages before deciding which to apply for. Your exact borrowing needs and financial circumstances will determine what sort of mortgage deal is most appropriate for you.

First Time Buyer mortgages

As a first time buyer applying for a mortgage with Royal Bank of Scotland, you should be eligible to borrow as much as 95% of the market value of your first home. This is supported by the government’s Help to Buy scheme and the property you are seeking to buy should cost less than £600,000.

Buy to Let mortgages

To apply for a buy to let mortgage with RBS you must be aged between 18 and 70 and looking to borrow at least £25,000 over a minimum of 3 years. You will be able to borrow a maximum of 75% of the property’s market value or 65% if it is a new build property.

Remortgaging with the Royal Bank of Scotland

By switching your mortgage to RBS, you may be able to reduce your monthly payments. You may also be able to borrow more if you need extra funds for home improvements or other approved purposes. Remortgaging can allow you to get a better deal on your interest rates or increase your borrowing in an affordable way.

Second charge mortgages

Remortgaging is not always the cheapest way to increase your borrowing, especially if you already have a good deal on your mortgage. It can make more sense to take out a separate secured loan allowing you to borrow more against your property without disrupting your existing mortgage. This is known as a second charge mortgage.

Loan to value ratio

The loan to value (LTV) ratio on a mortgage is the percentage of a property’s market value you can borrow with that particular mortgage deal. So, if you are looking at a mortgage with an LTV of 70% with respect to a property worth £100,000, you should be able to borrow up to £70,000.

In most instances, you are likely to be offered a more competitive interest rate on mortgages with a lower LTV. You will need to fund the balance with an upfront deposit.

Find the best deals on mortgage rates

Our free mortgage calculator makes it easier and quicker to compare a whole range of different mortgage deals from across the market. That way, you can see which is likely to offer you the best value. To use the calculator, simply head to the top of the page and share some basic details, including how much you want to borrow and how long for. You will then be matched with appropriate deals from the industry’s top lenders making it simple and fast to compare the different mortgage products on offer.

How do I get a RBS Mortgage?

You can call RBS FREE on 0800 096 7966

or you can click here to get them to call you back at a suitable time

Latest news

Mortgage Rates Set To Fall - Is It A Good Time To Remortgage?

In response to the coronavirus outbreak in the UK, the Bank of England has dramatically cut their base rate from 0.75% to 0.1% which is considered to be an emergency measure to help support the economy through the financial disruption caused by the spread of the Covid-19 virus. How will this move impact your mortgage...

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