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Sam covers personal finance topics, from the most affordable places to live to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
Anna covers personal finance, helping readers make sense of savings, credit cards and insurance. Her insights are informed by experience in the financial services industry.
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Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
In this article
The Royal Bank of Scotland (RBS) is part of the third-largest lender in the UK, the NatWest Group.
Here, you can find out what RBS mortgage customers thought about its service, what our expert analysis uncovered about its range of deals and the best RBS mortgage rates on the market right now.
This article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.
Why you can trust our Royal Bank of Scotland mortgage review
Real Royal Bank of Scotland customer views
We've asked 92 RBS mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed RBS's mortgages to work out if it's a lender that offers competitive deals.
RBS placed in the bottom two of our customer satisfaction table. It achieved mostly three-star ratings, but scored two stars for transparency of charges. It performed better in our interest rate analysis, placing joint-11th.
68%
out of 21 mortgage lenders ranked on customer score
To see how RBS compares to other mortgage providers, head to our guide to the best mortgage lenders.
Anna McClean, market analyst, says: 'We analysed thousands of mortgages, using Moneyfacts data, over three months in the summer/autumn of 2026. We created 28 mortgage scenarios, based on typical loan amounts, term lengths and mortgage products, to reveal the lenders that consistently offer the best deals. Ranking first means the provider offered on average the cheapest mortgage deals during our analysis period. Royal Bank of Scotland sat just outside of the overall cheapest top 10 lenders, and stood out on its first-time buyer and home mover deals.'
Here's how RBS did in our analysis:
Find out more: check which lenders came ahead of RBS in our cheapest lender interest rate analysis
You can check out the two-year fixed-rate mortgages RBS is currently offering first-time buyers with an 80%, 90% or 95% LTV using our table.
To see how RBS compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 80% | Royal Bank of Scotland | 68% | 5.35% | £995 | 6.74% |
| 80% fee free | Royal Bank of Scotland | 68% | 5.52% | £0 | 6.74% |
| 90% | Royal Bank of Scotland | 68% | 5.36% | £995 | 6.74% |
| 90% fee free | Royal Bank of Scotland | 68% | 5.6% | £0 | 6.74% |
| 95% | Royal Bank of Scotland | 68% | 5.85% | £0 | 6.74% |
| 95% fee free | Royal Bank of Scotland | 68% | 5.85% | £0 | 6.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. RBS had a sample size of 92.
The table shows the top two-year fixed-rate mortgages RBS is currently offering home movers with a 60%, 75% or 85% LTV.
To see how RBS compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 60% | Royal Bank of Scotland | 68% | 5.09% | £995 | 6.74% |
| 60% fee free | Royal Bank of Scotland | 68% | 5.29% | £0 | 6.74% |
| 75% | Royal Bank of Scotland | 68% | 5.26% | £995 | 6.74% |
| 75% fee free | Royal Bank of Scotland | 68% | 5.43% | £0 | 6.74% |
| 85% | Royal Bank of Scotland | 68% | 5.35% | £995 | 6.74% |
| 85% fee free | Royal Bank of Scotland | 68% | 5.59% | £0 | 6.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. RBS had a sample size of 92.
The table shows the top two-year fixed-rate mortgages RBS is currently offering remortgagers on a 60%, 75% and 85% LTV.
To see how RBS compares with other mortgage providers, head to our guide to the best mortgage rates, which is updated every day.
| 60% | Royal Bank of Scotland | 68% | 5.19% | £995 | 6.74% |
| 60% fee free | Royal Bank of Scotland | 68% | 5.44% | £0 | 6.74% |
| 75% | Royal Bank of Scotland | 68% | 5.31% | £995 | 6.74% |
| 75% fee free | Royal Bank of Scotland | 68% | 5.55% | £0 | 6.74% |
| 85% | Royal Bank of Scotland | 68% | 5.41% | £995 | 6.74% |
| 85% fee free | Royal Bank of Scotland | 68% | 5.73% | £0 | 6.74% |
Table notes: Data from Moneyfacts, updated daily. Customer score is based on a combination of overall satisfaction and likelihood to recommend the provider. The average customer score is 73%. The results are based on an online survey of 6,514 members of the public in August/September 2026. Providers must receive a minimum of 40 responses for inclusion in the results. RBS had a sample size of 92.
Find the right mortgage using the fee-free service provided by L&C Mortgages
Compare mortgagesIf you click on the link and complete a mortgage with L&C Mortgages, L&C is paid a commission by the lender and will share part of this fee with Which? Ltd helping fund our not-for-profit mission. We do not allow this relationship to affect our editorial independence. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
We asked RBS mortgage customers about their experience with the lender.
Here's how customers rated RBS in various areas of service:
| Category | Star rating |
|---|---|
| Overall customer service | |
| Keeping you well-informed (eg telling you about changes to interest rates) | |
| Clarity of mortgage statements | |
| Transparency of charges/penalties | |
| Flexibility of payments (eg being able to overpay/underpay/take payment holidays) | |
| Online access (eg being able to access your account online or via an app) |
Table notes: Star ratings are out of five. The results are based on an online survey of 6,514 members of the public in August/September 2026. Providers must receive a minimum sample size of 40 for inclusion in the results. RBS had a sample size of 92.
Never had any issues at all
We not only produce customer scores and star ratings, but also collect comments from real customers. This feedback was generally positive for RBS.
Many respondents said they'd never had any problems or issues with the bank.
Generally, there was praise for RBS's customer service. However, one respondent did say that 'sometimes it can be hard to get through to a real person'.
When we checked in September 2026, there were 82 mortgages available from Royal Bank of Scotland. The majority of these were fixed-rate deals, meaning your interest rate stays the same for a set initial period.
Royal Bank of Scotland mortgages had initial periods of two or five years.
A smaller number of mortgages offered by Royal Bank of Scotland were tracker deals, with initial terms lasting two years before reverting to Royal Bank of Scotland's standard variable rate.
Royal Bank of Scotland doesn't publish its borrowing caps, but you can use its affordability calculator to check the size of a mortgage you qualify for.
Royal Bank of Scotland offers a reduced rate for its two- or five-year fixed-rate mortgages on homes with an EPC rating of A or B.
All of Royal Bank of Scotland's mortgages have a maximum term length of 35 years.
We’re not influenced by third parties. We work entirely on behalf of you, the consumer, nobody else. See our statement of editorial independence
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