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RBS mortgage review

Our RBS mortgage review combines customer feedback with expert deal analysis to reveal whether the lender is worth considering next time you apply for a mortgage.

In this article
Coronavirus (COVID-19) update RBS mortgage customer ratings What kinds of mortgages does RBS offer? Does RBS offer the best mortgage deals?
Interest rates on RBS mortgages How much could I borrow from RBS? Can I make overpayments? How can I contact RBS?

Coronavirus (COVID-19) update

If you're struggling to pay your mortgage, you may be able to apply for a six-month payment holiday. You can find out more with the following articles:

For the latest updates and advice, visit the Which? coronavirus information hub.

RBS mortgage customer ratings

Royal Bank of Scotland (RBS) review
Which? Customer Score
Joint 18th out of 25 mortgage lenders
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Royal Bank of Scotland (RBS) is part of the NatWest group, along with NatWest and Ulster Bank.

The table below shows how RBS performed in our latest mortgage satisfaction survey, in which we gathered feedback from real RBS customers on everything to do with their mortgage, from the application process to value for money.

Customer rating for: Star rating
Customer service

3 out of 5

Application process -
Value for money

3 out of 5

Keeping you well informed

4 out of 5

Clarity of statements

4 out of 5

Transparency of charges

4 out of 5

Query and complaint handling

4 out of 5

Ability to overpay or underpay mortgage

4 out of 5

Online access

4 out of 5


Star ratings based on a June/July 2020 Which? survey of 3625 members of the general public in which 86 people told us they had their mortgage with Royal Bank of Scotland.

What kinds of mortgages does RBS offer?

Many mortgage lenders have significantly cut their offerings this year due to the coronavirus outbreak.

When we checked in September 2020, there were 77 mortgages available from RBS. All bar one were fixed-rate deals - meaning your interest rate will stay the same for a set initial period.

RBS mortgages came with a initial period of either two or five years


Does RBS offer the best mortgage deals?

Our experts analysed hundreds of mortgages over a four-week period in July 2020. They compiled a total of 208 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average number of times a lender made it into a table was 16, but RBS didn't feature at all, meaning its rates weren't among the best on offer. (Data source: Moneyfacts.)

Interest rates on RBS mortgages

In September 2020, the average rate on a two-year fixed-rate mortgage from RBS was 2.22%, compared to the overall market average of 2.33%.

How much could I borrow from RBS?

RBS will lend to first-time buyers and home movers at 60, 70%, 75%, 80% and 85% loan-to-value. People remortgaging can borrow at up to 90%.

RBS will lend between four and 4.85 times your annual salary, depending on your earnings and the loan-to-value ratio you're borrowing at.

Can I make overpayments?

RBS allows you to overpay up to 10% of the mortgage balance each year. 

How can I contact RBS?

Mortgages from RBS are only available directly, so you won't be able to access them through a mortgage broker

New customers can call 0800 056 3220.

Existing customers can call 0800 056 0567.

Its website is rbs.co.uk.