Remortgage your home with us

Online mortgages are provided by NatWest

NatWest and Royal Bank of Scotland are part of NatWest Group and offer the same mortgage products and rates when you speak with a mortgage professional. If you're confident to choose a mortgage product without advice, online mortgages are available to customers via the NatWest website

Want advice about your mortgage? You can make an appointment to speak with a Royal Bank of Scotland mortgages adviser.

Step 1: Find out what NatWest could offer you

  • Get a online personalised indication of how much you could borrow in less than 10 minutes.
  • It won't impact your credit score.
  • Compare NatWest mortgage rates with confidence.

You don't need to be a NatWest customer to get an Agreement in Principle (AIP), and you're not committed to having a mortgage by getting an AIP.

Step 2: Apply for your mortgage online with NatWest

  • Apply online with NatWest or contact us to make an appointment to speak to a Royal Bank of Scotland mortgage adviser.
  • Save your application progress online and come back whenever you like.

Support for mortgage customers with the rising cost of living

If you're remortgaging to help ease the rising cost of living, your current mortgage provider could provide you with additional support without impacting your credit score.

We're committed to helping our customers through this difficult time and we're pleased to be part of the Mortgage Charter support to help ease financial pressure on mortgage customers.

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.

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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