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Sam covers personal finance topics, from the best savings rates to the reasons mortgage lenders say no. He enjoys crunching the numbers to help consumers get ahead.
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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 87 RBS mortgage customers about their experiences of the lender.
Expert mortgage rate analysis
We've analysed RBS's mortgage rates to work out if it's a lender that offers competitive deals.
RBS placed in the bottom three of our customer satisfaction table, but did achieve a four-star rating for online access. It performed better in our interest rate analysis, placing in the top ten lenders.
68%
out of 21 mortgage lenders ranked on customer score (joint 19th)
To see how RBS compares to other mortgage providers, head to our guide to the best mortgage lenders.
Which? analysed thousands of mortgages, using Moneyfacts data, over eight weeks in the summer/autumn of 2025. We compiled a series of top 10 cheapest deals tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.
The average was five table appearances per week. Royal Bank of Scotland averaged 8.4 appearances per week. This suggests it consistently offered competitive rates for a range of different mortgage scenarios during our analysis.
You can see the mortgages RBS is currently offering first-time buyers, home movers and remortgagers in the tables below.
To see how RBS compares with other mortgage providers, head to our guide to the best mortgage rates and deals, which is updated every day.
| 80% | Royal Bank of Scotland | 68% | 4.21% | £995 | 6.99% |
| 80% fee free | Royal Bank of Scotland | 68% | 4.34% | £0 | 6.99% |
| 90% | Royal Bank of Scotland | 68% | 4.4% | £995 | 6.99% |
| 90% fee free | Royal Bank of Scotland | 68% | 4.53% | £0 | 6.99% |
| 95% | Royal Bank of Scotland | 68% | 4.85% | £0 | 6.99% |
| 95% fee free | Royal Bank of Scotland | 68% | 4.85% | £0 | 6.99% |
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 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. RBS had a sample size of 87.
| 60% | Royal Bank of Scotland | 68% | 3.99% | £995 | 6.99% |
| 60% fee free | Royal Bank of Scotland | 68% | 4.23% | £0 | 6.99% |
| 75% | Royal Bank of Scotland | 68% | 4.11% | £995 | 6.99% |
| 75% fee free | Royal Bank of Scotland | 68% | 4.35% | £0 | 6.99% |
| 85% | Royal Bank of Scotland | 68% | 4.13% | £995 | 6.99% |
| 85% fee free | Royal Bank of Scotland | 68% | 4.38% | £0 | 6.99% |
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 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. RBS had a sample size of 87.
| 60% | Royal Bank of Scotland | 68% | 3.95% | £995 | 6.99% |
| 60% fee free | Royal Bank of Scotland | 68% | 4.3% | £0 | 6.99% |
| 75% | Royal Bank of Scotland | 68% | 4.19% | £995 | 6.99% |
| 75% fee free | Royal Bank of Scotland | 68% | 4.5% | £0 | 6.99% |
| 85% | Royal Bank of Scotland | 68% | 4.35% | £995 | 6.99% |
| 85% fee free | Royal Bank of Scotland | 68% | 4.74% | £0 | 6.99% |
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 74%. The results are based on an online survey of 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum of 40 responses for inclusion in the results. RBS had a sample size of 87.
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 5,016 members of the public conducted in August/September 2025 and are representative of the GB/UK population (aged 18+). Providers must receive a minimum sample size of 40 for inclusion in the results. RBS had a sample size of 87.
We not only produce customer scores and star ratings, but also collect comments from real customers. This feedback was generally positive for RBS.
Customers praised RBS's online access. One customer described the app as 'very useful'.
Another theme from feedback was that many customers hadn't had any issues with RBS products or the service it offers.
Comments that focused on customer service were almost exclusively positive. One comment said, 'customer care is top-notch.'
When we checked in September 2025, there were 83 mortgages available from Royal Bank of Scotland. The vast 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.
Why should you trust Which? research? 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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