RBS mortgage reviews

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

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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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We compare brands including:
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NatWest logo
Halifax logo
HSBC logo
Barclays Mortgages logo
Molo Finance logo
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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.”

Representative example
A mortgage of £231,739 payable over 24 years, initially on a fixed rate until 31/10/28 at 4.99% and then on a variable rate of 6.29% for the remaining 22 years would require 27 payments of £1,381.91 followed by 261 payments of £1,547.62. The total amount payable would be £441,240 made up of the loan amount plus interest (£209,501) and fees (£0). The overall cost for comparison is 6.2% APRC representative.
Our “Best for” picks highlight top options in specific categories based on our independent evaluation (see our full methodology), while “Promoted” tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.
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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 210 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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