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Royal Bank Of Scotland Mortgages Direct - Call 0800 068 7706

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Get A Royal Bank Of Scotland Decision In Principle

A Decision in Principle is the first step to getting a Royal Bank Of Scotland mortgage. It gives an indication of whether RBS will agree to lend you the amount you need to borrow.

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How Does It Work

  • Online form - Takes 5 Minutes
  • No impact on your credit score
  • No obligation to take out a mortgage

  RBS Mortgage Online

Prefer to speak to an adviser? - Call Royal Bank of Scotland on 0800 068 7706

Lines are open: 8am-8pm Monday to Friday and 9am-4pm Saturday and Sunday (Calls may be recorded)

Click here for a personalised mortgage quote from RBS »

Details sort by initial rateLenderInitial rate Rate type Overall cost for comparisonMax LTVProduct feeMonthly cost Enquire
Initial rate: 1.38%
Rate type: Fixed Dec-2022
Monthly cost: £601.05 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.8% APRC
NatWest logo 1.38% Fixed Dec-2022 3.8% APRC 60% £1273.00 £601.05 per month get quotes Call direct0800 068 8567
Initial rate: 1.38%
Rate type: Fixed Dec-2022
Monthly cost: £601.20 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.8% APRC
Royal Bank Of Scotland logo 1.38% Fixed Dec-2022 3.8% APRC 60% £1273.00 £601.20 per month get quotes Call direct0800 068 7706
Initial rate: 1.55%
Rate type: Fixed Dec-2025
Monthly cost: £610.88 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.3% APRC
NatWest logo 1.55% Fixed Dec-2025 3.3% APRC 60% £1273.00 £610.88 per month get quotes Call direct0800 068 8567
Initial rate: 1.55%
Rate type: Fixed Dec-2025
Monthly cost: £611.03 per month
Max LTV: 60%
Product fee: £1273.00
Overall cost for comparison: 3.3% APRC
Royal Bank Of Scotland logo 1.55% Fixed Dec-2025 3.3% APRC 60% £1273.00 £611.03 per month get quotes Call direct0800 068 7706
Initial rate: 1.9%
Rate type: Fixed Nov-2022
Monthly cost: £633.94 per month
Max LTV: 70%
Product fee: £2015.00
Overall cost for comparison: 3.9% APRC
Post Office logo 1.9% Fixed Nov-2022 3.9% APRC 70% £2015.00 £633.94 per month get quotes Call direct0808 178 6813
Initial rate: 2.24%
Rate type: Fixed Nov-2025
Monthly cost: £654.39 per month
Max LTV: 70%
Product fee: £2015.00
Overall cost for comparison: 3.5% APRC
Post Office logo 2.24% Fixed Nov-2025 3.5% APRC 70% £2015.00 £654.39 per month get quotes Call direct0808 178 6813
Initial rate: 2.4%
Rate type: Fixed Dec-2022
Monthly cost: £656.31 per month
Max LTV: 60%
Product fee: £278.00
Overall cost for comparison: 4% APRC
NatWest logo 2.4% Fixed Dec-2022 4% APRC 60% £278.00 £656.31 per month get quotes Call direct0800 068 8567
Initial rate: 2.4%
Rate type: Fixed Dec-2022
Monthly cost: £656.46 per month
Max LTV: 60%
Product fee: £278.00
Overall cost for comparison: 4% APRC
Royal Bank Of Scotland logo 2.4% Fixed Dec-2022 4% APRC 60% £278.00 £656.46 per month get quotes Call direct0800 068 7706
Initial rate: 2.64%
Rate type: Fixed Dec-2022
Monthly cost: £670.94 per month
Max LTV: 80%
Product fee: £278.00
Overall cost for comparison: 4% APRC
NatWest logo 2.64% Fixed Dec-2022 4% APRC 80% £278.00 £670.94 per month get quotes Call direct0800 068 8567
Initial rate: 2.64%
Rate type: Fixed Dec-2022
Monthly cost: £671.10 per month
Max LTV: 80%
Product fee: £278.00
Overall cost for comparison: 4% APRC
Royal Bank Of Scotland logo 2.64% Fixed Dec-2022 4% APRC 80% £278.00 £671.10 per month get quotes Call direct0800 068 7706
12

Representative Example:

A repayment mortgage of £120,000 payable over 28 years and 1 month initially on a fixed rate for 2 years at 1.99% and then on the lender current variable rate of 3.69% (variable) for the remaining 26 years and 1 month would require 24 monthly payments of £465.20 and 312 monthly payments of £565.39 and one final payment of £565.19.

 

The total amount payable would be £189,357.67 made up of the loan amount plus interest (£68,161.67), booking fee (£999), completion fee (£30) and valuation fee (£197).

 

In this example the overall cost for comparison is 3.7% APRC representative.

 

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

RBS Decision In Principle

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