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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.

This makes our LTV . Invalid LTV.

Call Post Office 0808 178 6813
Post Office logo
Fixed Sep-2020 From Post Office
Initial rate 1.45% Sep-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
FREE Valuation
Post Office Interest Only Mortgages. Borrowing In Retirement Options Up To Age 80.
Call NatWest 0800 068 8567
NatWest logo
Fixed Dec-2020 From NatWest
Initial rate 1.55% Dec-2020
Maximum LTV 60%
Overall cost of comparison 3.7% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Dec-2020 From NatWest
Initial rate 1.55% Dec-2020
Maximum LTV 60%
Overall cost of comparison 3.7% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Sep-2020 From Post Office
Initial rate 1.55% Sep-2020
Maximum LTV 60%
Overall cost of comparison 4.1% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Sep-2020 From Post Office
Initial rate 1.58% Sep-2020
Maximum LTV 60%
Overall cost of comparison 4% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Dec-2020 From NatWest
Initial rate 1.61% Dec-2020
Maximum LTV 60%
Overall cost of comparison 3.8% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Sep-2020 From Post Office
Initial rate 1.63% Sep-2020
Maximum LTV 75%
Overall cost of comparison 4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2020 From Virgin Money
Initial rate 1.65% Nov-2020
Maximum LTV 65%
Overall cost of comparison 4.3% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Nov-2020 From Virgin Money
Initial rate 1.65% Nov-2020
Maximum LTV 65%
Overall cost of comparison 4.3% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Dec-2020 From NatWest
Initial rate 1.65% Dec-2020
Maximum LTV 60%
Overall cost of comparison 3.7% 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

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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.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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