Changing deal

Staying with us is the smartest move

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

Are you coming to the end of your current mortgage offer or looking to change your current deal? Or perhaps you have a standard variable rate mortgage and want to see what else is on offer.

We can talk you through our full range of deals and the options available to you. We’re currently offering exclusive rates to customers switching to a new deal, call 0800 068 5512 for more information.


Here's what to expect if you’re looking to change your mortgage deal:

  • Wide choice - as an existing customer, you can choose from a great range of RBS mortgage deals
  • Speedy service – in most cases all you have to do is sign and complete a single form; we don’t need to see any extra paperwork
  • No additional costs – we normally don’t need to revalue your property or charge solicitor fees, saving you money
  • Choose to pay no product fee – we have deals available without a product fee. If the deal charges a fee, you can always add this to your mortgage - although interest will then be charged on your mortgage balance, including the fee.

Is your current mortgage about to end?

Maybe you’re reviewing your options in advance, or you’re looking to move onto a deal.

Whatever your circumstances, we're sure to have a mortgage to suit you. Select your next deal from one of the widest mortgage ranges on the high street.

Perhaps your circumstances have changed. Or maybe you’ve got a fresh perspective on your finances.

Either way, we’d be happy to talk through the options if you want to change to another mortgage deal with us before your current deal expires.

However, you should remember that changing your mortgage deal can be expensive, especially if there are early repayment charges.

How we can help

Here are a couple of options you could consider:

  • Change your monthly repayments – are you looking to reduce or increase your mortgage repayments? Changing your mortgage term could be a simpler and less expensive alternative to remortgaging
  • Change to a more suitable mortgage - do you feel your current deal is no longer right for you? If you’d prefer a different type of deal (fixed or variable) or you’re looking for a different rate, we can help

Offset mortgages offer a lot of flexibility - however, you may find that you’d like to switch to another deal.

As a valued existing customer, you can choose from a great range of RBS mortgage deals. We’re here to talk you through the options, and explain what’s on offer.