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Fixed rate mortgages

Manage your budget
with confidence

What is a fixed rate mortgage?

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

Mortgage	Initial interest rate	Follow on rate	Overall cost for comparison	Max loan	Other information
Royalties Private / Business Banking: 2 Year Purchase Fixed Rate	6.04% fixed until 30/09/2010	7.19% variable	7.4% APR	75% property value	Overpay 10% without incurring an early repayment charge Product fee £899 Early repayment charge applies until 30/09/2010 Minimum loan £50,000 Only available for new and existing customers purchasing a property
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Royalties Private / Business Banking: 10 Year Remortgage Fixed Rate	6.39% fixed until 31/08/2018	7.19% variable	6.9% APR	75% property value	Remortgage package included - we'll pay all our standard legal and valuation costs for you Overpay 10% per year without incurring an early repayment charge £899 product fee Early repayment charge: 5% until 30/09/2014 4% until 30/09/2015 3% until 30/09/2016 2% until 30/09/2017 1% until 30/09/2018 Minimum loan £25,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
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Private / Business and Royalties Gold: 2 Year Purchase Fixed Rate	6.09% fixed until 30/09/2010	7.19% variable	7.4% APR	75% property value	Overpay 10% per year without incurring an early repayment charge £899 product fee Early repayment charge applies until 30/09/2010 Minimum loan £50,000 Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
Private / Business and Royalties Gold: 10 Year Remortgage Fixed Rate	6.44% fixed until 31/08/2018	7.19% variable	6.9% APR	75% property value	Remortgage package included - we'll pay all our standard legal and valuation costs for you Overpay 10% per year without incurring an early repayment charge £899 product fee Early repayment charge: 5% until 30/09/2014 4% until 30/09/2015 3% until 30/09/2016 2% until 31/08/2017 1% until 31/08/2018 Minimum loan £25,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
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Royalties Private / Business Banking: 2 Year Remortgage Fixed Rate	6.14% fixed until 30/09/2010	7.19% variable	7.3% APR	75% property value	Remortgage package included - we'll pay all our standard legal and valuation costs for you Overpay 10% without incurring an early repayment charge Product fee £899 Early repayment charge applies until 30/09/2010 Minimum loan £50,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
2 Year Purchase Fixed Rate	6.19% fixed until 30/09/2010	7.19% variable	7.4% APR	75% property value	Overpay 10% per year without incurring an early repayment charge Product Fee £899 Early repayment charge applies until 30/09/2010 Minimum loan £25,000 Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
Private / Business and Royalties Gold: 2 Year Remortgage Fixed Rate	6.19% fixed until 30/09/2010	7.19% variable	7.3% APR	75% property value	Remortgage package included - we'll pay all our standard legal and valuation costs for you Overpay 10% without incurring an early repayment charge Product fee £899 Early repayment charge applies until 30/09/2010 Minimum loan £50,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
5 Year Purchase Fixed Rate	6.24% fixed until 30/09/2013	7.19% variable	7.2% APR	75% property value	Overpay 10% per year without incurring an early repayment charge £899 product fee Early repayment charge applies until 30/09/2013 Minimum loan £25,000 Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
2 Year Remortgage Fixed Rate	6.29% fixed until 30/09/2010	7.19% variable	7.3% APR	75% property value	Remortgage package - we'll pay all our standard legal and valuation costs for you Overpay 10% per year without incurring an early repayment charge Product Fee £899 Early repayment charge applies until 30/09/2010 Minimum loan £25,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
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2 Year Purchase Fixed Rate	6.54% fixed until 30/09/2010	7.19% variable	7.4% APR	90% property value	Overpay 10% without incurring an early repayment charge Product fee £899 Early repayment charge applies until 30/09/2010 Minimum loan £25,000 Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
5 Year Remortgage Fixed Rate	6.34% fixed until 30/09/2013	7.19% variable	7.1% APR	75% property value	Remortgage package included - we'll pay all our standard legal and valuation costs for you Overpay 10% per year without incurring an early repayment charge £899 product fee Early repayment charge applies until 30/09/2013 Minimum loan £25,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
5 Year Purchase Fixed Rate	6.59% fixed until 30/09/2013	7.19% variable	7.3% APR	90% property value	Overpay 10% per year without incurring an early repayment charge £899 product fee Early repayment charge applies until 30/09/2013 Minimum loan £25,000 Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
2 Year Remortgage Fixed Rate	6.64% fixed until 30/09/2010	7.19% variable	7.4% APR	90% property value	Remortgage package included - we'll pay all our standard legal and valuation costs for you Overpay 10% without incurring an early repayment charge Product fee £899 Early repayment charge applies until 30/09/2010 Minimum loan £25,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
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Royalties: 5 Year Purchase Fixed Rate	6.49% fixed until 30/09/2013	7.19% variable	7.3% APR	90% property value	Overpay 10% per year without incurring an early repayment charge £699 product fee Early repayment charge applies until 30/09/2013 Minimum loan £25,000 Only available for new and existing customers purchasing a property
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5 Year Remortgage Fixed Rate	6.69% fixed until 30/09/2013	7.19% variable	7.3% APR	90% property value	Remortgage package included - we'll pay all our standard legal and valuation costs for you Overpay 10% per year without incurring an early repayment charge £899 product fee Early repayment charge applies until 30/09/2013 Minimum loan £25,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
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2 Year Purchase Fixed Rate	6.89% fixed until 30/09/2010	7.19% variable	7.5% APR	95% property value	Overpay 10% without incurring an early repayment charge Product fee £899 Early repayment charge applies until 30/09/2010 Minimum loan £25,000 Only available for capital repayment mortgages Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
2 Year Remortgage Fixed Rate	6.99% fixed until 30/09/2010	7.19% variable	7.5% APR	95% property value	Remortgage package included - we'll pay all our standard legal and valuation costs for you Overpay 10% without incurring an early repayment charge Product fee £899 Early repayment charge applies until 30/09/2010 Minimum loan £25,000 Only available for capital repayment mortgages Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
2 Year Remortgage Fixed Rate	6.54% fixed until 30/09/2010	7.19% variable	7.3% APR	75% property value	Remortgage package - we'll pay all our standard legal and valuation costs for you Overpay 10% per year without incurring an early repayment charge Product Fee £399 Early repayment charge applies until 30/09/2010 Minimum loan £25,000 Maximum loan £100,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
5 Year Purchase Fixed Rate	6.89% fixed until 30/09/2013	7.19% variable	7.4% APR	95% property value	Overpay 10% per year without incurring an early repayment charge £899 product fee Early repayment charge applies until 30/09/2013 Minimum loan £25,000 Only available for capital repayment mortgages Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
5 Year Remortgage Fixed Rate	6.99% fixed until 30/09/2013	7.19% variable	7.4% APR	95% property value	Remortgage package included - we'll pay all our standard legal and valuation costs for you Overpay 10% without incurring an early repayment charge Product fee £899 Early repayment charge applies until 30/09/2013 Minimum loan £25,000 Only available for capital repayment mortgages Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers

Looking for a guarantee that your mortgage repayments won't go up or down?

With a fixed rate mortgage from The Royal Bank of Scotland, your interest rate is fixed for an agreed period. So you know exactly where you stand during the fixed rate period, giving you real control to budget and plan ahead.

And you don't need to nervously watch the Bank of England Base rate. You can just get on with living your life.

Higher Lending Charge

A Higher Lending Charge will apply to all loans above 90%.

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