The Royal Bank of Scotland offers a competitive range of fixed rate mortgages with rates starting from 5.09%.
Customer rating ★★★★★ Satisfaction survey
Wide range of fixed rate and tracker mortgages
Mixed customer service reviews
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 update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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Overall representative example If you borrow £178,000 over a 25-year term at 5.87% p.a. (fixed) for 60 months reverting to 8.00% p.a. (variable) for the remaining term, you would make 60 monthly payments of £1132.75 and 240 monthly payments of £1336.45. The total payable would be £390,092.00, which includes the interest of £210,713, valuation fees of £0 and a product fee of £999. The overall cost for comparison is 7.4% 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.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
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 2023 customer satisfaction survey, RBS scored 4.5 out of 5 stars with 83% 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”, however 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
Our customer satisfaction scores ("Customers say") are based on a survey of 1,588 customers carried out in December 2022.
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.
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.
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Wide range of fixed rate and tracker mortgages
Mixed customer service reviews