Find a mortgage with Royal Bank

You may have come to the end of your mortgage deal and are paying interest at our Standard Variable Rate (SVR). In this case, you may want to consider remortgaging or switching your mortgage.

Another reason could be that you're on a tracker rate and the Bank of England's base rate has gone up and, therefore, so have your interest payments. 

Manage your mortgage

If you're looking for a better deal on your current mortgage, have a look at our remortgage section. We'll be able to guide you to the right place from there.

A remortgage may be something to consider if you want access to additional funds. If you're not sure, then you might want to get advice. You can contact us if you'd like support.

It is important to protect your home and those you care about, should the worst happen.

Home insurance

Having buildings insurance is a condition of our mortgage offer, but you don’t need to buy it through Royal Bank of Scotland and it doesn’t affect how much we’ll lend you.

Find out more about home insurance here.

Home insurance is underwritten by U K Insurance Limited.

Life insurance

Life insurance is not a requirement of our mortgage. However, having one in place could offer you the confidence that whatever happens, you or your loved ones could be protected.

Find out more about life insurance here.

Life insurance is provided by AIG Life Ltd. 

Don’t worry, you need to receive your Digidocs invitation and upload the required documentation first. Then, you’ll be able to track the progress of your application on our mortgage tracker. 

If you’ve applied for a joint mortgage, we’ll send you separate Digidocs invitations. The invitations will be sent to the email addresses you provided on the application form.

Please check your junk folder if you can’t find the invitation email in your email inbox.

If we agree to give you an offer, we’ll send it to you using Digidocs.

You’ll receive an email to let you know it’s been sent.

If you’ve used Digidocs before, you don’t have to re-register. Please enter the email address and password you used before.

If you can’t remember your password, please use the ‘forgot password’ option on the login page and follow the instructions to re-set it.