RBS Mortgage Review

RBS Mortgage Review

As there as lots of providers in the industry, we decide to review them to make the selection process easier for you.

Mortgage Reviews and Packages

Mortgage Reviews and Packages

Trying to find a suitable lender? Look no further, we can assist you with all the information you need to choose a loan.

Specialist Mortgage Advisors

Specialist Mortgage Advisors

As specialists when it comes to giving mortgage advice, we are able to guide you to find the right deal for you.

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RBS Mortgage Review

As a top-rated mortgage advisor, we have given an RBS mortgage review, and we'll guarantee to seek out the right loan for you from the many this market has available, giving a whole of market choice that will not be outdone.

We can look at your situation and offer specialist help and advice to suggest the best RBS mortgages.

It’s important to look for a home loan plan that suits you, whether purchasing a brand new home or remortgaging your current property. 

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Contact us today if you would be interested in receiving further information regarding RBS mortgage reviews.

Our expert team are on hand to offer you a range of information and details that you require to find the ideal mortgage for you.

Simply let us know what you're looking for, including flexible rates https://www.amazingmortgagedeals.co.uk/types/flexible-rate/, and we will get back to you soon as they can.

Who is RBS?

RBS is the UK's third largest mortgage lender that offers a variety of affordable mortgages. 

The Royal Bank of Scotland is a banking subsidiary of the Natwest Group, alongside Natwest and Ulster Bank. 

RBS provides mortgages to 3.3 million personal clients every year.

What Type of Mortgages Does RBS Offer?

There are several different types of Royal Bank of Scotland mortgages available to borrowers:

  • Fixed-rate mortgages
  • Tracker rate mortgages
  • Buy-to-let mortgages
  • Interest-only mortgages
  • Standard Variable Rate mortgages
  • Cashback mortgages
  • Green mortgages
  • 95% mortgages
  • Offset mortgages
  • Help-to-buy equity loans

Speak with one of our trusted advisers to understand which mortgage may be best for your unique personal circumstances. 

Home Loans with the Royal Bank of Scotland

You'll be assigned your dedicated advisor, who can complete all the documentation with you and give you a mortgage review of other organisations.

They'll also be talking with the Royal Bank of Scotland lenders, solicitors and surveyors at every stage, ensuring everything goes smoothly from beginning to end.

You could get your dream home using various choices such as 95% mortgages with the aid of UK government initiatives.

Obtaining a mortgage loan doesn't have to be confusing, and your advisor will always do whatever they can to ensure that your house purchasing experience will be good.

Please contact our team to ask about the RBS mortgage review and to receive more advice on the best choices.

Interest Rates on RBS Mortgages

Interest rates with RBS mortgages vary depending on the type of mortgage and the mortgage terms. However, the following interest rates have historically been applied to monthly payments:

  • A two-year fixed rate mortgage has an interest rate of 3.19%.
  • A five-year fixed rate mortgage has an interest rate of 3.16%.

The Standard Variable Rate mortgage has an interest of 3.75%.

To find accurate mortgage rates, please contact one of our expert mortgage advisors now. 

RBS Mortgages and Loans

Applying for your very first home and RBS mortgage plan might be difficult, and there might be a lot of questions you'll want to ask.

With assistance from our skilled advisors, you can discover what you need to know about the amount it will cost you and what you can borrow.

Your mortgage broker even describes the complete purchasing approach, including legal work, survey, mortgage payment and other fees involved with buying.

Look at this page https://www.amazingmortgagedeals.co.uk/reviews/santander/ if you want to see some reviews for other mortgage providers such as Santander.

Many interesting mortgage deals, monthly payments and special offers are available in the market, all of which are developed to assist the struggling home buyer in getting onto the property ladder.

Numerous options could be offered for things such as shared equity deals, and our staff can inform you about anything involved.

With assistance from a first-time buyer system, you may be able to buy the house you've always dreamt of via a high-quality mortgage broker.

RBS Pros and Cons

Mortgage deals with the Royal Bank of Scotland have many advantages and disadvantages. 

These include:

Royal Bank of Scotland Advantages

  • Amazing range of mortgages.
  • Competitive interest rates. 
  • Overpayment allowances. 

Royal Bank of Scotland Disadvantages

  • Early repayment charges for certain mortgage products. 
  • Unlikely to receive a mortgage if you have bad credit. 


Royal Bank of Scotland Home Loan

If you want to go ahead with RBS services and this would be your first property, did you know that in 2013 the United Kingdom government introduced a strategy called Help to Buy?

This enables people to have a deposit of just 5% to purchase a home. This project has become extremely helpful for people who've now managed to purchase their own homes.

As a top consultant, we've got specialist experience regarding the Help to Buy strategies and can also supply free whole of market advice.

Our specialists will help you throughout the process and even provide more info on buying your house.

This program is the second step of the UK government initiative. This gives first-time and house sellers the means to access 95% of loans, 15% of which are provided by the UK government.

Both newly built and current homes are eligible for this strategy stage.

Our Mortgage schemes https://www.amazingmortgagedeals.co.uk/help-to-buy/mortgage-scheme/ can be ideal for you, so talk to us today to find out more.

Can You Make Overpayments on Your RBS Mortgage?

RBS does allow its borrowers to make overpayments in certain instances. The overpayments can be paid as a lump sum or monthly. 

You can use RBS' mortgage calculator to check how much you can save by making overpayments. 

RBS will have overpayment restrictions depending on the kind of mortgage you have. You will need to check the terms and conditions of your mortgage to understand your limitations fully.

Typically, overpayments will reduce your overall mortgage balance, not the length of your mortgage term. 

How Much Can I Borrow from RBS?

RBS offers its borrowers between 4 to 4.85 times your annual salary, within reason. 

There are certain factors which will impact the size of the loan RBS will permit for you; these include:

  • Your deposit.
  • Your age. 
  • Your credit history. 
  • Any outstanding debts. 
  • Your monthly financial obligations. 

Our mortgage advisers can advise on the size of mortgage you might be able to obtain, so reach out today. 

RBS Mortgages Customer Reviews

RBS was ranked 16 out of 16 leading mortgage lenders on a Which? customer satisfaction survey. 

The survey focused on value for money, complaint handling, online access, and transparency of charges. 

Recent customer reviews have credited RBS as efficient, easy, supportive, flexible and straightforward. 

The reviews suggest that RBS is a good mortgage lender. You can contact RBS to ask more questions prior to committing to them as your mortgage lenders. 

What are RBS’s mortgage eligibility criteria?

RBS' full mortgage specification will vary depending on the mortgage product. However, the standard mortgage criteria are as follows:

  • You are at least 18 years old. 
  • You have proof of a UK address. 
  • You have proof of your income, such as a bank statement.
  • You have an expense statement. 
  • You have a strong credit score. 

Your mortgage advisor can highlight specific mortgage criteria, so contact our team of experts now. 

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What is the maximum age for an RBS mortgage?

Royal Bank of Scotland has a maximum age limit of 70 years old. So, by 70, your mortgage term will end, and you will need to have repaid your loan. 

The minimum age limit to take out a mortgage is 18 years old. 

What is the maximum mortgage term with RBS?

The maximum mortgage term with RBS is 35 years, with a minimum term of 3 years. 

So, with the maximum age limit of 70, you will need to take out a loan at the age of 35, at the latest, to ensure you receive the full term. 

How long does an RBS mortgage application take?

An RBS mortgage application can take up to 40 days to complete and process. 

How long a mortgage application takes to be submitted and accepted will highly depend on the mortgage type and the standard of the application. 

How can I get in touch with RBS regarding my mortgage?

You can find RBS Mortgage's contact details via the following steps:

  1. Access the RBS website. 
  2. Click on the Contact Us tab. 
  3. Click on Mortgages.
  4. Check to see if the Mortgage FAQs answer your query.
  5. Or, find the Mortgage phone number that matches your query.

What credit reference agency does RBS use?

RBS uses TransUnion for all of its credit checks. TransUnion is one of the leading credit reference agencies in the UK. 

On occasion, RBS will also use the services of Experian and Equifax. 

So, before you apply for a mortgage with RBS, it is wise to check your credit files with these three agencies, as it is unlikely that RBS will accept mortgage applications from applicants with a poor credit score. 

Does RBS have a mortgage app?

RBS has a mortgage app to download via the App Store and Google Play. 

The app allows borrowers to check their mortgage statements, balance, and RBS contact details. 

You can also check your mortgage status on RBS mortgage online banking. 

Does RBS offer mortgage holidays?

Unfortunately, RBS does not offer mortgage holidays to its borrowers. 

During the COVID-19 pandemic, RBS allowed payment holidays; however, this scheme has expired. 

Find out more

Should you need any assistance with RBS home mortgages or choosing the best option for you, we'd be happy to offer professional guidance.

Get in touch with us now to speak to a specialist advisor and learn what may be the most suitable loan.


Since you’ll be working with your specialist, you can rest assured that we will find the correct answer to your questions.

This is why writing a detailed application form is great, as it helps our team know what you're looking for, and they will be able to answer any questions you might have or help you get the advice you're looking for.

The application steps are simple, just fill in the form, and we can start helping.

The same agent will help with forms and deal with local government agents to make sure that your home purchasing process will be as easy as it can be.


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