RBS mortgage reviews

The Royal Bank of Scotland offers a competitive range of fixed rate mortgages.

4 (218 reviews) Write a review
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Matthew Boyle

Updated

Fact checked

Royal Bank of Scotland, commonly abbreviated as RBS, is one of the retail banking subsidiaries of NatWest Group. You’ll usually find that RBS and NatWest have the same products in their ranges, just reskinned with the relevant logo. RBS has around 700 branches – mostly in Scotland, but also in a few larger towns and cities throughout England and Wales.

We've teamed up with L&C Mortgages to help you compare live rates from over 80 lenders.

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Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

How do I apply for an RBS mortgage?

You can get started on the RBS site, or you can call 0800 056 0567 (Monday to Saturday). Through either channel, you can request a video call with an RBS mortgage specialist. Alternatively you can head to a branch.

Who can access 95% mortgages through RBS?

You’ll need to be buying a house (in other words not just remortgaging) that you plan to live in. It can’t be a new-build and it must be valued at no more than £600,000.

RBS mortgages customer reviews

In our 2024 customer satisfaction survey, RBS scored 4 out of 5 stars with 88% of its customers saying they’d recommend the brand to a friend.

Customers in our survey praised RBS’ reliable service, however customers left mixed reviews when it came to customer service. Several customers felt that RBS provided “excellent customer service”, but some customers felt “unsupported”.

Here is some of the feedback we got from RBS mortgage customers:

“Reliable and approachable.”
“They are trustworthy and always make sure I know what I am paying and how changes will affect me.”
“They sorted out my mortgage for me, they were very helpful and I like the app where you can check your mortgage rates, payments etc.”

Sources

Representative example
A mortgage of £230,537 payable over 23 years, initially on a fixed rate until 31/01/28 at 3.99% and then on a variable rate of 6.49% for the remaining 21 years would require 24 payments of £1,277.66 followed by 252 payments of £1,585.00. The total amount payable would be £430,099 made up of the loan amount plus interest (£199,547) and fees (£15). The overall cost for comparison is 6.1% APRC representative.
We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.
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Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife. See full bio

Matthew's expertise
Matthew has written 212 Finder guides across topics including:
  • Helping first-time buyers apply for a mortgage
  • Comparing bank accounts and highlighting useful features
  • Publishing easy-to-understand guides
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