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Mortgage rates

Royal Bank of Scotland mortgages are available to over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.

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Currently showing x first time buyer rates based on your xx% loan-to-valueinline for a mortage of xxxxxxx.

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Use our mortgage rate finder to compare our mortgage rates and the monthly payments.

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What is Shared Equity?

With a Shared Equity mortgage, you'll receive an equity loan which we'll treat as part of your deposit. This loan is repaid either on the sale of the property or the end of the mortgage term, whichever comes first.

We don't currently offer Shared Equity schemes online, so please either give us a call or visit us in branch.

Call us on: 0800 056 0567
Relay UK: 18001 0800 056 0567

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What is Shared Equity?

We don't currently offer Shared Equity schemes online, so please either give us a call or visit us in branch.

Call us on: 0800 056 0567
Relay UK: 18001 0800 056 0567

{{/if}} {{if mortgageUtil._fnGreenMortAddEcpText(label,"Help to Buy Shared Equity - Cashback","none") === true}}

What is Help to Buy

Help to Buy is a UK Government initiative to help people buy a new build property.

For further info, please visit:

https://www.gov.uk/affordable-home-ownership-schemes/help-to-buy-equity-loan (link opens in a new tab).

We don't currently offer Help to Buy Shared Equity online, so please give us a call or visit us in branch.

Call us on: 0800 056 0567
Relay UK: 18001 0800 056 0567

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What is Help to Buy?

Help to Buy is a UK Government initiative to help people buy a new build property.

For further info, please visit:

https://www.gov.uk/affordable-home-ownership-schemes/help-to-buy-equity-loan (link opens in a new tab).

We don't currently offer Help to Buy Shared Equity online, so please give us a call or visit us in branch.

Call us on: 0800 056 0567
Relay UK: 18001 0800 056 0567

{{/if}} {{if mortgageUtil._fnGreenMortAddEcpText(label,"Mortgage Guarantee Scheme - Cashback","none") === true}}

What is the Mortgage Guarantee Scheme?

The Mortgage Guarantee Scheme is a UK Government initiative to help people with a low deposit buy a property.

For further info and eligibility, please visit our Mortgage Guarantee Scheme pages (link opens in a new tab).

We don't currently offer the Mortgage Guarantee Scheme online, so please either give us a call or visit us in branch.

Call us on: 0800 096 9527
Relay UK: 18001 0800 096 9527

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Requires Energy Performance Certificate rating A or B

This product is only available for properties with an Energy Performance Certificate (EPC) rating of A or B.

To check the rating of the property please visit:

EPC Register in England, Wales and Northern Ireland.

Scottish EPC Register in Scotland.

Links open in a new tab.

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Requires Energy Performance Certificate rating A or B

This product is only available for properties with an Energy Performance Certificate (EPC) rating of A or B.

To check the rating of the property please visit:

EPC Register in England, Wales and Northern Ireland.

Scottish EPC Register in Scotland.

Links open in a new tab.

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Phone

Video

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Standard free valuation

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online

Phone

video

View deal

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Initial rate and cost

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Features

Cashback

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Overpayments

Early repayments

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Valuation fee

{{if options.freeStandardValuation.value!="false" }} We’ll pay for a valuation of the property to make sure it’s suitable for your loan with us. {{else}} You’ll need to pay for a valuation of the property you’re buying. This is for us to make sure it is suitable for your loan with us. {{/if}}

Legal fees

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Requirements

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Ways to apply

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Telephone
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Get an Agreement in Principle

Or, get in touch with a mortgage professional

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Back to products page

Your home or property may be repossessed if you do not keep up repayments on your mortgage.

All figures provided are for illustrative purposes only.
This will be dependant on your financial situation, property value and the size of your deposit or equity.
This is not a formal quotation or a commitment to lend.
Borrowing amounts greater than £500,000 are subject to additional lending criteria.

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Back to products

On this page

Overview

Initial rate and cost

Get an Agreement in Principle

Product details page

Overview

Mortgage type

Loan to value

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Product fee

Initial rates and costs

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Features

Cashback

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Overpayments

Early repayment charge

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Option to switch to fixed rate

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Valuation fee

Legal fees

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Requirements

Minimum loan amount

Minimum deposit

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Eligibility

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Ways to apply

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Your home or property may be repossessed if you do not keep up repayments  on your mortgage.

Your home or property may be repossessed if you do not keep up repayments on your mortgage.

All figures provided are for illustrative purposes only. This will be dependant on your financial situation, property value and the size of your deposit or equity.

This is not a formal quotation or a commitment to lend.

Borrowing amounts greater than £500,000 are subject to additional lending criteria.

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The rates available are subject to change and you must choose from the rates available on the day you submit your application.

You must meet product eligibility criteria to apply for your selected product. Some of the rates below are only available if you apply online and others can be applied for over the phone or via video appointment with a mortgage adviser.

Buy to Let? We have tools and guidance designed to help you complete your mortgage application online. If you own 4 or more buy to let properties or you need additional assistance due to your personal circumstances, please get in touch so we can try to support you.

Already got a mortgage with us?

Want to move home?

You could take your mortgage with you. Most of our mortgages can be moved to your new home, avoiding early repayment fees if you're still on a deal. This is called 'porting'... move home more easily with us

Wanting to remortgage? Or looking for a new mortgage deal?

Is your current mortgage deal ending? If you want to look at your options for switching your current mortgage rate to a new deal with us, you can get started by logging in to manage your mortgage.

Mortgage rate FAQs

What is a mortgage interest rate?

A mortgage interest rate is a percentage fee charged on a mortgage loan by a lender – effectively the ‘cost’ of borrowing the money (plus any other applicable fees). You can learn more about how mortgage interest rates work.

Are mortgage rates going up?

Mortgage lenders consider a range of factors when deciding what interest rates they can offer. We can't say for sure if our rates will rise or fall in the future, and we also can't speak for rates offered by other lenders.

Can mortgage interest rates change?

Yes, the interest rates in this tool are subject to change. If you apply for a mortgage with us, you will need to choose from the mortgage interest rates available on the day of your application.

Your mortgage interest rate can also change if you already have a mortgage, unless you currently have a fixed rate deal. You can learn more about what can cause mortgage interest rates to change.

What are the different types of mortgage interest rate?

There are various different types of mortgage interest rates, including fixed rate mortgages and tracker rate mortgages. Learn about them and other types of mortgage interest rates on our mortgage comparison webpage.

Information Message

A more personalised indication of our mortgage rates

If you'd like a more formalised indication of what we could offer you, you can request a free Agreement in Principle.

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Representative example

Fixed rate

A mortgage of £156,000.00 payable over 22 years initially on a fixed rate for 2 years at 4.53% and then our variable rate of 7.99% for the remaining 20 years would require 24 monthly payments of £934.50 and 240 monthly payments of £1,231.42.

The total amount payable would be £319,167.64 made up of the loan amount of £156,000.00 plus interest of £163,167.64. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.

The overall cost for comparison is 7.6% APRC representative.

Tracker rate

A mortgage of £156,000.00 payable over 22 years initially on a tracker rate for 2 years at 0.47% above the Bank of England base rate then our variable rate of 7.99% for the remaining 20 years would require 24 monthly payments of £1046.32 and 240 monthly payments of £1,241.54.

The total amount payable would be £324,304.51 made up of the loan amount of £156,000.00 plus interest of £168,304.51. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.

The overall cost for comparison is 7.9% APRC representative.