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Mortgage lender reviews

RBS mortgage review

By Dean Sobers

Article 13 of 17

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RBS mortgage review

Find out how the Royal Bank of Scotland fared in key areas such as customer service and value for money in our mortgage satisfaction survey.

RBS mortgage review

The Royal Bank of Scotland finished 21st in our table, receiving a score of 57% from its mortgage customers. Borrowers were happy with the lender's transparency and how well it keeps them informed – less so with the value for money of the deals.


Customer score

Joint 21st out of 25 mortgage lenders


RBS mortgage highlights

  • lots of fee-free deals
  • satisfactory for dealing with queries and complaints
  • offers some 100% mortgages for existing customers who are remortgaging.

For personal, impartial advice on the best mortgage for you, call Which? Mortgage Advisers on 0808 252 7987.

RBS mortgage satisfaction scorecard
Customer service  
Application process  
Value for money  
Keeping you well informed  
Clarity of statements  
Transparency of charges  
Query and complaint handling  
Ability to over and underpay mortgage  
Table notes:
Star ratings out of five show levels of satisfaction for each category. Where no stars are showing, it means we could not get a large enough sample size to rate this aspect of the service.

What RBS's mortgage customers say about it

'Not had a problem since being a customer with them.'

'I think I can get a better deal but I am locked into my mortgage for another year.'

'Everything is going very smoothly and I am very happy about my choice.'

'Lack of communication.'

'Easy company to deal with and a great rate.'

'They do not get their facts right even when it's in front of them.'

'Easy and stress free.'

'They make no effort to stay in touch.'

'Works smoothly.'

'Did not drop rates as per agreement.'

  • Last updated: August 2017
  • Updated by: Dean Sobers

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

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.