Planning to renew your mortgage deal
Your current deal will end in the next six months, has already ended, or you're currently on our Standard Variable Rate, and you want to switch your mortgage to a new deal.
Overlay
How much could I borrow for a mortgage?
We aren't currently offering new buy to let mortgages directly through Royal Bank
We regularly review the mortgages we offer. Please check back at a later date, when we hope to be able to provide you with a buy to let mortgage.
Already got a buy to let mortgage with us?
You can find out about changing your existing mortgage deal by logging in to Manage your Mortgage.
Are you...
Planning to borrow more
You're looking for additional borrowing or to switch your mortgage deal and borrow more at the same time.
Do you want to...
Get a personalised quote
See the personalised mortgage deals available to you by logging in to 'Manage your Mortgage'. You'll need your mortgage account number, postcode, surname and date of birth to log in.
If, however, you want to borrow more, please call us on:
0800 056 0567
Relay UK: 18001 0800 056 0567
Quick quote
Alternatively, if you don't have your mortgage account number to hand, get an idea of what mortgages we could offer you and how much the monthly costs would be, by answering a few questions.
Do you want to...
Get a quick quote
Get an idea of what mortgages we could offer you, by answering a few questions.
Look for a new buy to let mortgage
This will give you an indication if we could lend you the amount you need to borrow. It will take around five minutes and requires some personal information.
Do you want to...
Get a personalised quote
This will give you an indication if we could lend you the amount you need to borrow. It will take around five minutes and requires some personal information.
Get a quick quote
Alternatively, get an idea of what mortgages we could offer you, by answering a few questions.
Do you want to...
Find out how to borrow more
You're looking to borrow more or change from your current mortgage rate to a new rate and borrow more at the same time.
Do you want to...
Get a new mortgage
You are looking at getting a brand new mortgage with us for your new home.
Take your mortgage deal with you
Avoid paying an early repayment charge by taking your existing mortgage balance at your current rate to your new home.
What next...
Get a personalised quote
See the personalised mortgage deals available to you by logging in to 'Manage your Mortgage'.
You'll need your mortgage account number, postcode, surname and date of birth to log in.
Finally, what would you like to do...
Get a quick quote
Get an idea of what mortgages we could offer you by answering a few questions.
Get a personalised quote
Get a personalised quote on the options that you have selected.
Finally, what would you like to do...
Get a quick quote
Get an idea of what mortgages we could offer you by answering a few questions.
Get a personalised quote
Get a personalised quote on the options that you have selected.
Finally, what would you like to do...
Finally, what would you like to do...
Finally, what would you like to do...
Get a quick quote
Get an idea of what mortgages we could offer you by answering a few questions.
Get a personalised quote
Get a personalised quote on the options that you have selected.
Finally, what would you like to do...
Change my deal
You are looking to change from your current rate to a new mortgage. You're not looking to borrow more on top of what you owe on your current mortgage.
Change my deal and borrow more
You are looking to change from your current rate to a new mortgage and borrow more on top of what you owe on your current mortgage.
Please call us to discuss.
Call us on: 0800 056 0567
Relay UK: 18001 0800 056 0567
Mortgage calculator
Find out how much you could borrow and what it could cost
What you've told us so far...
You're new to Royal Bank mortgages, considering a mortgage for your first home and looking to see how much you could borrow.
What you've told us so far...
You're new to Royal Bank mortgages, considering a mortgage for your first home and looking to see our mortgage rates.
What you've told us so far...
You're new to Royal Bank mortgages, considering a mortgage for a home move and looking to see how much you could borrow.
What you've told us so far...
You're new to Royal Bank mortgages, considering a mortgage for a home move and looking to see our mortgage rates.
What you've told us so far...
You're new to Royal Bank mortgages, considering a remortgage for your home and looking to see our mortgage rates.
What you've told us so far...
You're new to Royal Bank mortgages, considering a mortgage for a buy to let property and looking to see our rates.
What you've told us so far...
You're new to Royal Bank mortgages, considering a remortgage for a buy to let property and looking to see our rates.
What you've told us so far...
You're an existing Royal Bank mortgage customer, considering a change in mortgage for your buy to let property and looking to see our rates.
What you've told us so far...
You're an existing Royal Bank mortgage customer, considering changing the mortgage and borrowing more for your buy to let property and looking to see our rates.
What you've told us so far...
You're an existing Royal Bank mortgage customer, considering a remortgage for a buy to let property and looking to see our rates.
What you've told us so far...
You're an existing Royal Bank mortgage customer, wishing to buy a new buy to let property and looking to see our rates.
What you've told us so far...
You're an existing Royal Bank mortgage customer, wishing to remortgage your buy to let property, looking to see our rates.
What you've told us so far...
You're an existing Royal Bank mortgage customer, considering a change in mortgage for your home and looking to see our rates.
What you've told us so far...
You're an existing Royal Bank mortgage customer, considering a change in mortgage for your home, borrowing more and looking to see our rates.
What you've told us so far...
You're an existing Royal Bank mortgage customer, considering a a change in mortgage for your home and looking to see our rates.
What you've told us so far...
You're an existing Royal Bank mortgage customer, considering moving home and looking to see our rates.
What you've told us so far...
You're an existing Royal Bank mortgage customer, wishing to renew your mortgage and looking to see our rates.
Feedback panel
Based on what you told us, you need a mortgage of
Based on what you told us, we could lend you...
With your deposit of {deposit}, this gives you a maximum property budget {property}
Your monthly payments could be...
All figures provided are for illustrative purposes only. This is not a formal quotation or a commitment to lend.
Your home or property may be repossessed if you do not keep up repayments on your mortgage
What's next
We have found N mortgages for you.
Or...for a more accurate view of what you may be able to borrow, you'll need an Agreement in Principle.
Or...for a more accurate view of what you may be able to borrow, you'll need an Agreement in Principle.
Want to speak to someone? You can get in touch over the phone or visit us in branch.
Sorry, but based on the information you have supplied us, we are unable to provide you with a borrowing quote.
You could try entering different values to see how this affects the outcome.
Want to speak to someone? Give us a call to speak to a mortgage professional.
Call us on: 0800 056 0567
Relay UK: 18001 0800 056 0567
Important information
All figures provided are for illustrative purposes only. This will be dependant on your financial situation, property value and the size of your deposit or equity. This is not a formal quotation or a commitment to lend.
Borrowing amounts greater than £500,000 are subject to additional lending criteria.
Representative example
Fixed rate
A mortgage of £156,000.00 payable over 22 years initially on a fixed rate for 2 years at 4.04% and then our variable rate of 7.74% for the remaining 20 years would require 24 monthly payments of £892.84 and 240 monthly payments of £1,204.44.
The total amount payable would be £311,608.62 made up of the loan amount of £156,000.00 plus interest of £155,608.62. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 7.3% APRC representative.
Tracker rate
A mortgage of £156,000.00 payable over 22 years initially on a tracker rate for 2 years at 0.77% above the Bank of England base rate then our variable rate of 7.74% for the remaining 20 years would require 24 monthly payments of £1,021.81 and 240 monthly payments of £1,216.50.
The total amount payable would be £317,627.59 made up of the loan amount of £156,000.00 plus interest of £161,627.59. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 7.6% APRC representative.
See our mortgage rates
Check your mortgage options
The rates available are subject to change and you must choose from the rates available on the day of your application.
Products list page
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Requires Energy Performance Certificate rating A or B
This product is only available for properties with an Energy Performance Certificate (EPC) rating of A or B.
To check the rating of the property please visit:
EPC Register in England, Wales and Northern Ireland.
Scottish EPC Register in Scotland (links open in a new tab).
What is Help to Buy?
Help to Buy is a UK Government initiative to help people buy a new build property.
For further info, please visit:
https://www.gov.uk/affordable-home-ownership-schemes/help-to-buy-equity-loan (link opens in a new tab).
We don't currently offer Help to Buy Shared Equity online, so please give us a call or visit us in branch.
Call us on: 0800 056 0567
Relay UK: 18001 0800 056 0567
What is Shared Equity?
With a Shared Equity mortgage, you'll receive an equity loan which we'll treat as part of your deposit. This loan is repaid either on the sale of the property or the end of the mortgage term, whichever comes first.
We don't currently offer Shared Equity schemes online, so please either give us a call or visit us in branch.
Call us on: 0800 056 0567
Relay UK: 18001 0800 056 0567
What is the Mortgage Guarantee Scheme?
The Mortgage Guarantee Scheme is a UK Government initiative to help people with a low deposit buy a property.
For further info and eligibility, please visit our Mortgage Guarantee Scheme pages (link opens in a new tab).
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Compare ( N ) Mortgages
Added to comparison
Compare ( N ) mortgages
Need some help?
Thinking about applying?
Learn about the ways to apply for a mortgage. Whether it's in branch, over the phone or online, we'll support you on your journey.
Agreement in Principle
If you’re ready to apply and don’t want to switch a deal on an existing mortgage, an AIP is an accurate measure of how much we may lend to you.
Manage your mortgage
If you need help managing your existing mortgage, or want to switch your deal, go to our dedicated section for more help.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
All figures provided are for illustrative purposes only.
This will be dependant on your financial situation, property value and the size of your deposit or equity.
This is not a formal quotation or a commitment to lend.
Borrowing amounts greater than £500,000 are subject to additional lending criteria.
Representative example
Fixed rate
A mortgage of £156,000.00 payable over 22 years initially on a fixed rate for 2 years at 4.04% and then our variable rate of 7.74% for the remaining 20 years would require 24 monthly payments of £892.84 and 240 monthly payments of £1,204.44.
The total amount payable would be £311,608.62 made up of the loan amount of £156,000.00 plus interest of £155,608.62. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 7.3% APRC representative.
Tracker rate
A mortgage of £156,000.00 payable over 22 years initially on a tracker rate for 2 years at 0.77% above the Bank of England base rate then our variable rate of 7.74% for the remaining 20 years would require 24 monthly payments of £1,021.81 and 240 monthly payments of £1,216.50.
The total amount payable would be £317,627.59 made up of the loan amount of £156,000.00 plus interest of £161,627.59. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 7.6% APRC representative.
Representative example
Fixed rate
A mortgage of £156,000.00 payable over 22 years initially on a fixed rate for 2 years at 4.04% and then our variable rate of 7.74% for the remaining 20 years would require 24 monthly payments of £892.84 and 240 monthly payments of £1,204.44.
The total amount payable would be £311,608.62 made up of the loan amount of £156,000.00 plus interest of £155,608.62. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 7.3% APRC representative.
Representative example
Tracker rate
A mortgage of £156,000.00 payable over 22 years initially on a tracker rate for 2 years at 0.77% above the Bank of England base rate then our variable rate of 7.74% for the remaining 20 years would require 24 monthly payments of £1,021.81 and 240 monthly payments of £1,216.50.
The total amount payable would be £317,627.59 made up of the loan amount of £156,000.00 plus interest of £161,627.59. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 7.6% APRC representative.
Mortgage
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Below is a mortgage summary. The information shown does not include all of the details you need to choose a mortgage. Make sure you read your Mortgage Illustration before you make a decision.
Product details page
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Initial rate and cost
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Features
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Requirements
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Next steps
Get a personalised quote
An AIP is a personalised indication of how much you could borrow. It will not impact your credit score and takes less than 10 minutes.
If you're already a mortgage customer and you want to switch your deal, please login to manage your mortgage to see what we can offer you.
Get in touch
Sometimes it’s best to talk to an expert. Our friendly mortgage professionals can support you through the process
You can get in touch over the phone or visit us in branch
Please note, Online Only products are only available through our website.
Next steps
Get a personalised quote
An AIP is a personalised indication of how much you could borrow. It will not impact your credit score and takes less than 10 minutes.
If you're already a mortgage customer and you want to switch your deal, please login to manage your mortgage to see what we can offer you.
Get in touch
Sometimes it’s best to talk to an expert. Our friendly mortgage professionals can support you through the process
You can get in touch over the phone or visit us in branch.
Your home or property may be repossessed if you do not keep up repayments on your mortgage.
All figures provided are for illustrative purposes only.
This will be dependant on your financial situation, property value and the size of your deposit or equity.
This is not a formal quotation or a commitment to lend.
Borrowing amounts greater than £500,000 are subject to additional lending criteria.
Representative example
Fixed rate
A mortgage of £156,000.00 payable over 22 years initially on a fixed rate for 2 years at 4.04% and then our variable rate of 7.74% for the remaining 20 years would require 24 monthly payments of £892.84 and 240 monthly payments of £1,204.44.
The total amount payable would be £311,608.62 made up of the loan amount of £156,000.00 plus interest of £155,608.62. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 7.3% APRC representative.
Representative example
Tracker rate
A mortgage of £156,000.00 payable over 22 years initially on a tracker rate for 2 years at 0.77% above the Bank of England base rate then our variable rate of 7.74% for the remaining 20 years would require 24 monthly payments of £1,021.81 and 240 monthly payments of £1,216.50.
The total amount payable would be £317,627.59 made up of the loan amount of £156,000.00 plus interest of £161,627.59. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 7.6% APRC representative.
Mortgage calculator
Browse and compare mortgages
The rates available are subject to change and you must choose from the rates available on the day you submit your application.
Product comparison page
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Overview
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Initial rate and cost
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Features
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Requirements
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Next step
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Your home or property may be repossessed if you do not keep up repayments on your mortgage.
All figures provided are for illustrative purposes only.
This will be dependant on your financial situation, property value and the size of your deposit or equity.
This is not a formal quotation or a commitment to lend.
Borrowing amounts greater than £500,000 are subject to additional lending criteria.
Not ready to apply?
Choose different mortgages
If these selections aren't right for you, please revise your choices
Learn about mortgage types and rates
What’s the difference between a repayment, interest-only, fixed and tracker rate mortgages?
Representative example
Fixed rate
A mortgage of £156,000.00 payable over 22 years initially on a fixed rate for 2 years at 4.04% and then our variable rate of 7.74% for the remaining 20 years would require 24 monthly payments of £892.84 and 240 monthly payments of £1,204.44.
The total amount payable would be £311,608.62 made up of the loan amount of £156,000.00 plus interest of £155,608.62. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 7.3% APRC representative.
Tracker rate
A mortgage of £156,000.00 payable over 22 years initially on a tracker rate for 2 years at 0.77% above the Bank of England base rate then our variable rate of 7.74% for the remaining 20 years would require 24 monthly payments of £1,021.81 and 240 monthly payments of £1,216.50.
The total amount payable would be £317,627.59 made up of the loan amount of £156,000.00 plus interest of £161,627.59. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 7.6% APRC representative.
Representative example
Fixed rate
A mortgage of £156,000.00 payable over 22 years initially on a fixed rate for 2 years at 4.04% and then our variable rate of 7.74% for the remaining 20 years would require 24 monthly payments of £892.84 and 240 monthly payments of £1,204.44.
The total amount payable would be £311,608.62 made up of the loan amount of £156,000.00 plus interest of £155,608.62. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 7.3% APRC representative.
Representative example
Tracker rate
A mortgage of £156,000.00 payable over 22 years initially on a tracker rate for 2 years at 0.77% above the Bank of England base rate then our variable rate of 7.74% for the remaining 20 years would require 24 monthly payments of £1,021.81 and 240 monthly payments of £1,216.50.
The total amount payable would be £317,627.59 made up of the loan amount of £156,000.00 plus interest of £161,627.59. A product fee of £995.00, valuation fee of £352.00 and a CHAPS fee of £30.00 are also payable.
The overall cost for comparison is 7.6% APRC representative.