RBS mortgage rates, calculator and review

The Royal Bank of Scotland offers a competitive range of fixed rate mortgages with rates starting from 4.42%.

4.0 ★★★★★ (217 reviews) Write a review
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.
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1 - 30 of 99
Name Product Initial rate Revert rate (SVR) Maximum LTV Cashback Apply link Initial payment
Royal Bank of Scotland 30/09/2029 Fixed
4.42% fixed until 30/09/2029
8.24% variable
60%
View details
N/A
Exceeds max. LTV
Royal Bank of Scotland 30/09/2029 Fixed
4.45% fixed until 30/09/2029
8.24% variable
60%
View details
N/A
Exceeds max. LTV
Royal Bank of Scotland 30/09/2029 Fixed
4.47% fixed until 30/09/2029
8.24% variable
60%
View details
N/A
Exceeds max. LTV
Royal Bank of Scotland 30/09/2029 Fixed
4.5% fixed until 30/09/2029
8.24% variable
60%
View details
N/A
Exceeds max. LTV
Royal Bank of Scotland 30/09/2029 Fixed
4.57% fixed until 30/09/2029
8.24% variable
75%
View details
£1,174.09
6.6% APRC
Royal Bank of Scotland 30/09/2029 Fixed
4.62% fixed until 30/09/2029
8.24% variable
75%
View details
£1,179.29
6.7% APRC
CASHBACK
Royal Bank of Scotland 30/09/2029 Fixed
4.62% fixed until 30/09/2029
8.24% variable
60%
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. LTV
CASHBACK
Royal Bank of Scotland 30/09/2029 Fixed
4.65% fixed until 30/09/2029
8.24% variable
60%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. LTV
Royal Bank of Scotland 30/09/2029 Fixed
4.67% fixed until 30/09/2029
8.24% variable
60%
View details
N/A
Exceeds max. LTV
Royal Bank of Scotland 30/09/2029 Fixed
4.67% fixed until 30/09/2029
8.24% variable
60%
View details
N/A
Exceeds max. LTV
Royal Bank of Scotland 30/09/2029 Fixed
4.68% fixed until 30/09/2029
8.24% variable
85%
View details
N/A
Exceeds max. term
Royal Bank of Scotland 30/09/2029 Fixed
4.72% fixed until 30/09/2029
8.24% variable
75%
View details
£1,189.74
6.7% APRC
Royal Bank of Scotland 30/09/2029 Fixed
4.73% fixed until 30/09/2029
8.24% variable
80%
View details
£1,190.79
6.7% APRC
Royal Bank of Scotland 30/09/2029 Fixed
4.73% fixed until 30/09/2029
8.24% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Royal Bank of Scotland 30/09/2029 Fixed
4.73% fixed until 30/09/2029
8.24% variable
85%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
CASHBACK
Royal Bank of Scotland 30/09/2029 Fixed
4.77% fixed until 30/09/2029
8.24% variable
75%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
£1,194.99
6.7% APRC
Royal Bank of Scotland 30/09/2029 Fixed
4.77% fixed until 30/09/2029
8.24% variable
75%
View details
£1,194.99
6.7% APRC
Royal Bank of Scotland 30/09/2029 Fixed
4.77% fixed until 30/09/2029
8.24% variable
75%
View details
£1,194.99
6.7% APRC
CASHBACK
Royal Bank of Scotland 30/09/2029 Fixed
4.82% fixed until 30/09/2029
8.24% variable
60%
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. LTV
Royal Bank of Scotland 30/09/2026 Fixed
4.82% fixed until 30/09/2026
8.24% variable
60%
View details
N/A
Exceeds max. LTV
Royal Bank of Scotland 30/09/2026 Fixed
4.82% fixed until 30/09/2026
8.24% variable
60%
View details
N/A
Exceeds max. LTV
Royal Bank of Scotland 30/09/2029 Fixed
4.82% fixed until 30/09/2029
8.24% variable
60%
View details
N/A
Exceeds max. LTV
Royal Bank of Scotland 30/09/2026 Fixed
4.87% fixed until 30/09/2026
8.24% variable
60%
View details
N/A
Exceeds max. LTV
Royal Bank of Scotland 30/09/2029 Fixed
4.87% fixed until 30/09/2029
8.24% variable
80%
View details
£1,205.51
6.7% APRC
Royal Bank of Scotland 30/09/2026 Fixed
4.87% fixed until 30/09/2026
8.24% variable
60%
View details
N/A
Exceeds max. LTV
Royal Bank of Scotland 30/09/2029 Fixed
4.91% fixed until 30/09/2029
8.24% variable
75%
View details
£1,209.73
6.8% APRC
CASHBACK
Royal Bank of Scotland 30/09/2029 Fixed
4.92% fixed until 30/09/2029
8.24% variable
75%
Eligible customers can receive up to £500 cashback on completion. T&Cs apply.
View details
£1,210.79
6.8% APRC
Royal Bank of Scotland 30/09/2029 Fixed
4.92% fixed until 30/09/2029
8.24% variable
75%
View details
£1,210.79
6.8% APRC
Royal Bank of Scotland 30/09/2029 Fixed
4.96% fixed until 30/09/2029
8.24% variable
85%
View details
N/A
Exceeds max. term
CASHBACK
Royal Bank of Scotland 30/09/2029 Fixed
4.96% fixed until 30/09/2029
8.24% variable
85%
Eligible customers can receive up to £250 cashback on completion. T&Cs apply.
View details
N/A
Exceeds max. term
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Overall representative example
If you borrow £178,000 mortgage over 25 years initially at 4.63% fixed for 60 months reverting to 6.99% variable for term. 60 monthly payments of £1002.56 and 240 monthly payments of £1214.16. Total amount payable £351,932.00 includes loan amount, interest of £173,552, valuation fees of £0 and product fees of £0. The overall cost for comparison is 6.2% APRC representative.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Overview of mortgages

Initial rate types Fixed, base rate tracker
Borrower types First-time buyers, moving house, remortgaging
Mortgage amounts From £25,000 to £2,000,000
Mortgage terms From 3 to 35 years
Maximum LTV 95%
Lowest initial rate 4.42%
Longest fixed rate offer 5 years 3 months
Regions covered Great Britain, Channel Isles, Isle of Man
Applicant age From 18 to 70
Offers portable mortgages

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.

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.”

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.

Mortgage ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

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 has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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