Remortgage your
home with us

Start exploring our mortgages

Compare our rates with confidence

Step 1
  • Our Agreement in Principle provides a personalised indication of how much you could borrow
  • Will not impact your credit score
  • Takes less than 10 minutes

Ready to apply for your new mortgage?

Step 2
  • Apply online today, or contact us to get advice or support
  • Save progress and come back whenever you like
  • Upload, submit and sign all of your documents online

Getting ready to apply

How it works

There's a few steps to take, depending on your circumstances. One of the best places to start is to use our mortgage calculator.

We'll outline everything you need to do and consider when you remortgage with us. 

Mortgage with us already?

If you're ready to switch your current mortgage to a different deal, or just want to have a look at what we have on offer, you can get started by logging into manage your mortgage.

How to borrow more on your Royal Bank mortgage

Finding the right remortgage deal

The best place to start is our mortgage rate finder. Use it to compare our range of fixed-rate and tracker-rate mortgages and to see what your monthly repayments might be.

What is a remortgage and why do it?

What is a remortgage?

A remortgage is when you change the mortgage you currently have on your property, by moving it to a new lender. 

If you're coming to the end of your mortgage deal, you may want to consider a new deal with your current lender or a new lender. If you don't, you will typically move onto your lender's Standard Variable Rate (SVR), which may prove more expensive in the long run.


However, already have your mortgage with us? Instead of remortgaging, we call this switching to a new deal.

Why remortgage?

There's a number of reasons that you may want to remortgage, here are some common ones.

  • Your current mortgage deal is due to finish
  • You're currently on or within three months of moving onto your lender's Standard Variable Rate (SVR) and want to lock in a better rate
  • You want to borrow more money against your home
  • You want to release equity on your home 
  • You want to change the number of years remaining on your mortgage

Green Mortgages

Rewarding you for helping the environment.

For customers with energy efficient homes, we're offering discounted 2 year or 5 year fixed rate mortgages when you move your mortgage to us. You could also get cashback which will be paid to your solicitor on the day you drawdown your mortgage.

If you have a home with a valid Energy Performance Certificate (EPC) rating of A or B, you could be eligible to select a Green Remortgage product. Product fees apply.

The offer is only available on selected mortgages marked with ‘Green Remortgage’ and can be changed or withdrawn at any point. Max LTV 85%. Find out more about green mortgages

Get a personalised indication of how much you could borrow, compare our mortgage rates and find out what the saving could be with an Agreement in Principle. Early repayment charges may apply.

5 chances to win £5,000 Cash

Enter our free prize draw using the online entry form for a chance to win one of our 5 prizes of £5,000 in cash.

Closing date 12th September 2022. One entry per person. Five prizes available – one prize per winner. UK residents & over 18s only. Excludes Northern Ireland.

Terms and conditions apply

Why choose Royal Bank?

We’ll pay your legal and valuation fees when you move your mortgage to us. (There may be instances where you do not qualify for this, please speak to us for more information.) 

You can upload, sign and see all your documents online with our paperless online application

No product fee on selected mortgages

Can I remortgage with the same mortgage provider?

When your mortgage deal comes to an end, you'd usually be moved automatically on to your mortgage providers Standard Variable Rate (SVR). When this happens, you should be able to arrange a new deal with them.

As you wouldn't be moving lender, this wouldn't be classed as a 'remortgage'. At Royal Bank we call this 'switching to a new deal'.

Can I remortgage between NatWest Group brands?

No, if you already have your mortgage with us then you wouldn't able to move your mortgage over to another of our brands (NatWest, Royal Bank of Scotland and Ulster Bank Northern Ireland). 

However, if your current mortgage deal is coming to an end, you may be able to switch to a new deal with your current brand within our mortgage self-service portals.

Manage my Royal Bank mortgage

Manage my NatWest mortgage

Manage my Ulster Bank Northern Ireland mortgage

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