You could lower your monthly payments by making your mortgage term longer, or pay less interest overall by choosing a shorter term.
Overlay
Want to change the term of your mortgage?
For residential mortgages, you apply to increase your mortgage term via the app or through digital banking.
However, if you:
- Have a buy to let mortgage
- Any part of your mortgage is interest only
- Want to reduce your mortgage term
- Would like advice on changing your term
You'll need to call us to book an appointment with our mortgage team to complete the application.
Information Message
The longer your mortgage term the more interest you will pay over the life of the mortgage. If you’re worried about keeping up with your payments, please contact us so we can help. You can also visit our Mortgage Support hub for more information.
Mobile App
Within the Royal Bank app, tap your mortgage and then tap 'Manage your Mortgage', 'Your services' then 'Extend your term'.
Information Message
Digital Banking
Within Royal Bank Digital Banking, click 'Manage your Mortgage', 'Your services' then 'Extend your term'.
Information Message
More help with your mortgage
Need some help? Speak to our mortgage team
Call us
We're on hand to arrange a phone or video call with one of our qualified mortgage professionals. We can also help with any general queries about the process.
Call us on 0345 7212 600
Opening hours: Mon-Fri 8am-6pm, Sat 9am-4pm, Sun Closed. Excluding public holidays.
Relay UK: 18001 0800 056 0567