Free standard valuation on all mortgages.
Legal fees paid when you remortgage to us. (Exclusions apply).
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Royal Bank mortgages are available to over 18s. Eligibility criteria applies for free standard valuation. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
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Your next steps
Get an Agreement in Principle
An Agreement in Principle gives you a personalised indication of how much you could borrow. It takes less than 10 minutes and doesn't impact your credit score.
Once you have it, you can download a certificate to show estate agents that you're in a position to get a mortgage on the property.
Do some research
Mortgages can be complicated, so if you need a little more information about how it all works, take a look at our handy mortgage guide.
Representative example
Fixed rate
A mortgage of £156,000.00 payable over 22 years initially on a fixed rate for 2 years at 3.82% and then our variable rate of 6.99% for the remaining 20 years would require 24 monthly payments of £874.47 and 240 monthly payments of £1,135.63.
The total amount payable would be £294,785.09 made up of the loan amount of £156,000.00 plus interest of £138,785.09. A product fee of £995.00, valuation fee of £352.00 and a Funds Transfer fee of £30.00 are also payable.
The overall cost for comparison is 6.6% APRC representative.
Tracker rate
A mortgage of £156,000.00 payable over 22 years initially on a tracker rate for 2 years at 0.44% above the Bank of England base rate then our variable rate of 6.99% for the remaining 20 years would require 24 monthly payments of £926.77 and 240 monthly payments of £1,140.68.
The total amount payable would be £297,261.76 made up of the loan amount of £156,000.00 plus interest of £141,261.76. A product fee of £995.00, valuation fee of £352.00 and a Funds Transfer fee of £30.00 are also payable.
The overall cost for comparison is 6.7% APRC representative.
Need some help?
Call us
We're on hand to arrange a phone or video call with one of our qualified mortgage professionals. We can also help with any general queries about the process.
Call us on 0800 056 0567
Relay UK: 18001 0800 056 0567
Opening hours: Mon-Fri 8am-6pm, Sat 9am-4pm, Sun Closed. Excluding public holidays.