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Good4(48 ratings)

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Reviewed by: Qwills

I heard on MoneyBox (Radio 4) that this type of mortgage is for those that micro manage their finances. That i...

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Does Royal Bank of Scotland provide your mortgage?

Tell us what you think of them because it will help others.

Compare Royal Bank of Scotland Mortgages

This comparison includes mortgages for this lender.

sorted by:

Most popular

  • Most popular
  • Maximum LTV
  • Lowest initial rate
  • Lowest subsequent rate (SVR)
  • Cheapest overall cost
Royal Bank of Scotland 2 year fixed
0800 068 7667
Maximum LTV
60%
Initial rate
1.57% fixed until 30th November 2018
Subsequent rate (SVR)
3.75% variable
Overall cost for comparison
3.6% APRC
Fees
Application fee
No fee
Arrangement fee
No fee
Booking fee
No fee
Completion fee
No fee
Product fee
£995 with an option to add to the loan
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 2% of the amount paid, before 30th November 2017
- then 1% of the amount paid, until 30th November 2018

Other fees may apply.

More information on this mortgageLess information on this mortgage
Royal Bank of Scotland 2 year tracker
0800 068 7667
Maximum LTV
60%
Initial rate
1.88% base rate tracker until 30 Nov 2018
Subsequent rate (SVR)
3.75% variable
Overall cost for comparison
3.7% APRC
This is a buy to let mortgage.
Fees
Application fee
No fee
Arrangement fee
No fee
Booking fee
No fee
Completion fee
No fee
Product fee
£1,995 with an option to add to the loan
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 1% of the amount paid, before 30th November 2017
- then 0.5% of the amount paid, until 30th November 2018

Other fees may apply.

More information on this mortgageLess information on this mortgage
Royal Bank of Scotland 2 year fixed
0800 068 7667
Maximum LTV
75%
Initial rate
1.65% fixed until 30th November 2018
Subsequent rate (SVR)
3.75% variable
Overall cost for comparison
3.5% APRC
Fees
Application fee
No fee
Arrangement fee
No fee
Booking fee
No fee
Completion fee
No fee
Product fee
£995 with an option to add to the loan
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 2% of the amount paid, before 30th November 2017
- then 1% of the amount paid, until 30th November 2018

Other fees may apply.

More information on this mortgageLess information on this mortgage
Royal Bank of Scotland 5 year fixed
0800 068 7667
Maximum LTV
60%
Initial rate
2.07% fixed until 30th November 2021
Subsequent rate (SVR)
3.75% variable
Overall cost for comparison
3.3% APRC
Fees
Application fee
No fee
Arrangement fee
No fee
Booking fee
No fee
Completion fee
No fee
Product fee
£995 with an option to add to the loan
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 5% of the amount paid, before 30th November 2017
- then 4% of the amount paid, until 30th November 2018
- then 3% of the amount paid, until 30th November 2019
- then 2% of the amount paid, until 30th November 2020
- then 1% of the amount paid, until 30th November 2021

Other fees may apply.

More information on this mortgageLess information on this mortgage
Royal Bank of Scotland 2 year fixed
0800 068 7667
Maximum LTV
60%
Initial rate
1.95% fixed until 30 Nov 2018
Subsequent rate (SVR)
3.75% variable
Overall cost for comparison
3.7% APRC
This is a buy to let mortgage.
Fees
Application fee
No fee
Arrangement fee
No fee
Booking fee
No fee
Completion fee
No fee
Product fee
£1,995 with an option to add to the loan
Additional information
Early repayment charge
If you pay all or part of your mortgage early you will be charged:
- 2% of the amount paid, before 30th November 2017
- then 1% of the amount paid, until 30th November 2018

Other fees may apply.

More information on this mortgageLess information on this mortgage
Overall representative example for all mortgages on money.co.uk

Based on borrowing

£170,000 over 25 years

The overall cost of comparison

4.23% APRC representative

Initial rate

2.64% fixed for 2 years(24 instalments of £788.35pm)

Subsequent rate (SVR)

4.41% variable for the remaining 23 years
(276 instalments of £922.40pm)

Fees

£859

Total amount payable

£274,362.35

Royal Bank of Scotland mortgages reviews

sorted by:

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  • Latest
  • Highest rating
  • Lowest rating

Does Royal Bank of Scotland provide your mortgage?

Tell us what you think of them because it will help others.

13/12/14

Recommended

Off-set Mortgage (One Account)

I heard on MoneyBox (Radio 4) that this type of mortgage is for those that micro manage their finances. That is me. This product works brilliantly for the financially neurotic. The e-savings functionality means that you can save money in different pots while off-setting the mortgage. I save monthly for annual bills, potential repairs, car maintenance etc. When the bill comes in the money is there, but in the mean time it is reducing my interest payments. I have been able to significantly reduce the duration of my mortgage in this way.

Overpay as much or as little as you want

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

25/11/14

Recommended

The bank that gave us a chance

After my husband having a car accident the day after we signed the keys and spending months struggling to the point of almost leaving the house. We made the mistake of consolidating our debts which involved moving to a sub-prime lender. Paying over the odds interest rates for a few years we never thought we would be able to get back with a high street lender again. However, thanks to the help of a great mortgage adviser and the RBS we were able to get a fantastic mortgage. And they have been nothing but great and supportive ever since. The staff are always very quick to get hold of and very efficient.

Very friendly

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

19/10/14

Recommended

RBS for Mortgage

When we purchased our house we were working overseas and it was difficult to find anyone to provide a mortgage. RBS understood our situation and provided us with what we needed very quickly. During the life of the mortgage, we paid off lump sums from time to time and used various other flexible arrangements. At all times they kept us informed and offered assistance whenever asked. It was all very easy and I would recommend them to anyone else looking for a mortgage

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

25/11/14

Recommended

RBS Mortgage Account

I have found that RBS are ok as a mortgage company. Quite easy to set up and quite easy to get through when we have had any problems, they are always dealt with quite easily. I would recommend although they haven't worked that hard to keep our business. I would have preferred more contact over the 10 years we have been a customer to see if we are still on the correct deal etc.

Easy to contact

Not much customer retention

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

18/10/14

Recommended

OneAccount. A lost gem

I am fortunate enough to have THE OneAccount, previously owned by Virgin then bought by RBS.

This product sadly, isn't available to new customers anymore, but is similar to an offset mortgage.

My current account sits inside my mortgage which gives me access to all my savings when I need it, but works for me by registering as paid off against my mortgage.

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

Does Royal Bank of Scotland provide your mortgage?

Tell us what you think of them because it will help others.