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Royal Bank Of Scotland

Royal Bank of Scotland mortgages are suitable for first time buyers, customers wishing to re-mortgage or move home, and landlords.

Compare mortgages

Reason for mortgage
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years
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Fixed 31/01/2019
Initial rate
1.32%then 3.75% (variable)
Fees
£1,495fees
Overall cost
3.4%APRC
Monthly cost
£626.46 for 24 months then £806.80 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,205 includes: Loan amount (£160,000); Interest (£77,711); Application fee (£995); Valuation fee (£352); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 31/01/2019
Initial rate
1.34%then 3.75% (variable)
Fees
£1,495fees
Overall cost
3.4%APRC
Monthly cost
£627.94 for 24 months then £806.94 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,281 includes: Loan amount (£160,000); Interest (£77,786); Application fee (£995); Valuation fee (£352); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/01/2019
Initial rate
1.45%then 3.75% (variable)
Fees
£1,495fees
Overall cost
3.4%APRC
Monthly cost
£636.15 for 24 months then £807.73 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,695 includes: Loan amount (£160,000); Interest (£78,201); Application fee (£995); Valuation fee (£352); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/01/2019
Initial rate
1.45%then 3.75% (variable)
Fees
£1,495fees
Overall cost
3.4%APRC
Monthly cost
£636.15 for 24 months then £807.73 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 70.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,695 includes: Loan amount (£160,000); Interest (£78,201); Application fee (£995); Valuation fee (£352); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 31/01/2019
Initial rate
1.59%then 3.75% (variable)
Fees
£1,495fees
Overall cost
3.4%APRC
Monthly cost
£646.69 for 24 months then £808.72 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,222 includes: Loan amount (£160,000); Interest (£78,728); Application fee (£995); Valuation fee (£352); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 31/01/2019
Initial rate
1.59%then 3.75% (variable)
Fees
£1,495fees
Overall cost
3.4%APRC
Monthly cost
£646.69 for 24 months then £808.72 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Available for existing borrowers switching deals only
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,222 includes: Loan amount (£160,000); Interest (£78,728); Application fee (£995); Valuation fee (£352); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Tracker 31/01/2019
Initial rate
1.59%then 3.75% (variable)
Fees
£1,495fees
Overall cost
3.4%APRC
Monthly cost
£646.69 for 24 months then £808.72 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,222 includes: Loan amount (£160,000); Interest (£78,728); Application fee (£995); Valuation fee (£352); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/01/2019
Initial rate
1.63%then 3.75% (variable)
Fees
£1,495fees
Overall cost
3.4%APRC
Monthly cost
£649.72 for 24 months then £809.00 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 80.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £240,373 includes: Loan amount (£160,000); Interest (£78,878); Application fee (£995); Valuation fee (£352); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/01/2020
Initial rate
1.68%then 3.75% (variable)
Fees
£1,495fees
Overall cost
3.3%APRC
Monthly cost
£653.52 for 36 months then £802.70 (variable)
for 264 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £236,934 includes: Loan amount (£160,000); Interest (£75,440); Application fee (£995); Valuation fee (£352); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 31/01/2019
Initial rate
1.73%then 3.75% (variable)
Fees
£500fees
Overall cost
3.4%APRC
Monthly cost
£657.33 for 24 months then £809.70 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No County Court Judgements (CCJs)
  • No arrears
  • No defaults
  • No bankruptcies
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 31/01/2017. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £239,754 includes: Loan amount (£160,000); Interest (£79,254); Valuation fee (£352); Legal fee (£118); Funds transfer fee (£30); Mortgage discharge fee (£0); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Royal Bank Of Scotland

The Royal Bank of Scotland is the retail arm of the Royal Bank of Scotland Group plc. The bank has a long history, with its early origins dating back to the 1700s. The ‘new’ Royal Bank of Scotland was chartered in 1727 and quickly became an integral part of the banking sector. To begin with there was a fierce rivalry with the Bank of Scotland, but eventually both banks realised such rivalry was mutually damaging.

Throughout the 19th century, the bank grew increasingly larger and by 1910 it had more than 150 branches. Today the British Government owns a significant share of the Royal Bank of Scotland Group in the wake of the financial crisis of 2007 and 2008. However, with more than 700 branches in Scotland and England, Royal Bank of Scotland remains a major player on the high street. 

Royal Bank of Scotland offers a wide range of financial products for personal, private, business, corporate and international customers. These include day-to-day products such as current accounts, savings and credit cards, plus mortgages, insurance policies, travel, investment and loans.
First time buyers can take advantage of low deposit Royal Bank of Scotland mortgages. The bank offers 5% deposit mortgage products, but in order to qualify for a first time buyer mortgage product first time buyers also have to meet certain eligibility criteria.

Royal Bank of Scotland has various mortgage products for customers wishing to move their mortgage to the bank. Customers with savings may wish to consider an offset flexible mortgage, as it will help them reduce the amount of interest they pay each month. 

Existing Royal Bank of Scotland mortgage holders can manage their mortgage online or speak to the bank and switch to another product if their discount deal is coming to an end.

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