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.
![Post Office Money® logo](https://www.finder.com/niche-builder/5de6624f3b067.png)
![NatWest logo](https://www.finder.com/niche-builder/5de653c442a65.png)
![Halifax logo](https://www.finder.com/niche-builder/5de641ff3aac8.png)
![HSBC logo](https://www.finder.com/niche-builder/60f065a491297.png)
![Barclays Mortgages logo](https://www.finder.com/niche-builder/60e2c994507a5.png)
![Molo Finance logo](https://www.finder.com/niche-builder/5de7e63cbedd0.png)
![Skipton BS logo](https://www.finder.com/niche-builder/5de66a391e5dd.png)
![TSB logo](https://www.finder.com/niche-builder/5de7e3c170280.png)
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.”
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.
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