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Mortgages

What support is available online?

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

How to make the most of your account

We want to make your mortgage as easy to manage as possible. Your mortgage account lets you tailor your borrowing to your requirements by tweaking repayment dates or setting up a regular Direct Debit. And, if you’re struggling with your payments, you may be eligible for support.

Set up a regular payment

You may have cancelled your in the past and life can be busy – it’s easy to lose track of what needs paying when. Setting up a Direct Debit is the easiest way to stay on top of your mortgage payments. You can do this using your mobile app or online banking.

Here’s how:

  • Log into 'Manage your mortgage’.
  • Scroll down to the 'Your payment' section.
  • Select 'Set up a new Direct Debit'.
Go to Manage your Mortgage Open in new window

Change mortgage repayment date

Late payments could impact your ability to get future borrowing, so if you think you’re likely to miss one, it might be worth reviewing your repayment date. You can change your payment date to a day that better suits you in just a few clicks via the RBS app.

Here’s how:

  • Log into 'Manage your mortgage’.
  • Scroll down to the 'Your payments' section.
  • Select ‘Change payment date’.
Go to Manage your Mortgage Open in new window

Mortgage cost-of-living support

The UK Government has announced support for borrowers who are struggling with their mortgage payments and we're proud to be a part of this Mortgage Charter.

If you're a residential mortgage customer, you're eligible for support. However, you will not be eligible if your current mortgage agreement is buy-to-let, interest-only or you're not up to date with your mortgage payments.

Go to cost-of-living support Open in new window

Tips and tools to help you

Free Financial Health Check

Fill in our Financial Health Check questionnaire in your own time and we’ll share hints and tips to help you reach your goals. Or, if you’d prefer to speak to someone face-to-face, you can make an appointment with one of our Senior Personal Bankers. 

Get started Open in new window

Spending Tracker

If you’re feeling a bit stuck with money, this handy tool within our app can show you where there’s wiggle room. It sorts your spending into twelve categories – like bills, groceries and transport – then pulls out personal insights to help you budget. It can help you set spending targets too.

Find out more Open in new window

Budget Calculator

Want to get a clearer view of your money? Our Budget Calculator is designed to help you work out what you’ve got coming in (e.g. wages and benefits), what’s going out (e.g. bills and expenses) and how much you’ve got left over.

Work out my budget Open in new window

Video Banking calls may be recorded and service hours apply. Compatible device required. Our app can be used on compatible iOS and Android devices. You'll need a UK or international mobile number in specific countries. Spending Tracker is available to customers aged 16+ who have a Personal or Premier account with us. Digital Banking available to customers aged 11+ with a Royal Bank account.

Mortgages Frequently Asked Questions

Not found what you need?

Don’t worry, we’ve got you. Click on the link below and we’ll find you the right help.
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