RBS Mortgages

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Compare the best mortgage deals to Royal Bank of Scotland using the comparison calculator provided. Best rates for mortgage finance products.

The Royal Bank of Scotland (RBS) has a history dating all the way back to 1695, making it Scotland’s oldest bank by a wide margin. Now part of the Lloyds Banking Group, RBS supports millions of private customers, businesses, and communities across the UK.

Commercial mortgage lending from the Bank of Scotland (RBS)

Business mortgages, also called commercial mortgages for owner-occupiers, are available to companies or individuals purchasing or re-mortgaging a property to be used as business premises. A business mortgage is also available for mixed-use properties.

Broadly speaking, commercial mortgages can be used for three main purposes:

• Owner-occupied: Commercial mortgages for owner-occupiers normally are for two business situations: either a business is planning on acquiring the property where they’re operating from or it is planning on buying brand-new premises to move into.
• Residential buy-to-let: A common scenario for commercial mortgages is the acquisition of residential property to be let out. This is typically used by landlords, in addition to buy-to-let limited companies set up for the exact same purpose.
• Commercial buy-to-let: Much like the above, you could use a commercial mortgage for commercial buy-to-lets as well. As an example, you may want to buy a storage facility for your business and let it out. Although this mortgage resembles a residential buy-to-let, the loan provider will take a look at different factors since, in general, it is harder to rent commercial property.

Buy-to-let mortgages from RBS

Before getting started, you need to make sure that you are eligible for a buy-to-let mortgage from RBS. There are a number of criteria that you need to meet, including making more than £25,000 in income each year, being between 18 and 70 years old, and having at least 25% for the deposit. Additionally, there is a minimum amount for these mortgages of £25,000 over three years, and you have to make sure that the property you are going to mortgage is worth at least £50,000. You are limited by how many buy-to-let properties you already own and how much you have borrowed.

RBS makes it really easy for you to apply for your new buy-to-let mortgage. You can easily complete the application process over the phone or come in for an appointment if you want one-on-one help. Otherwise, you can do all of the work online, secure an agreement in principle, and go over all of the costs before submitting your application. Getting an appointment for your application is easy, and with so many different branches available, you’ll be able to find someone to help you with this process.

Help-to-buy loans from the Bank of Scotland (RBS)

A Help to Buy loan is designed to help first-time buyers get on the property ladder or buy a new home without a large down payment.

The Help to Buy scheme has three key components: Help to Buy ISAs, Help to Buy equity loans, and London Help to Buy.

To qualify for the Help to Buy scheme, you are required to:

• Be buying a house you’re planning on staying in the majority of the time, for example, not a property you’re intending to use as a secondary home or letting out
• Be looking at buying a house worth £600,000 and under, although different limits apply for the Help to Buy ISA.
• Have a deposit of at least 5%.

Help to Buy equity loans are among the most popular paths onto the property ladder, and these are available to those who wish to purchase a new-build home.

Help to Buy equity loans works in the following ways:

• You put down a deposit of at least 5%.
• The government lends you up to 20% of the property’s value as an equity loan.
• You take out a mortgage on the remainder of the value. So, if you put down a deposit of 5% and the loan amount was 20%, you would then require a 75% mortgage.

Mortgage calculator for best rates compared to RBS

A mortgage calculator is a great way to find out the size of mortgage you are eligible to apply for and how much your monthly payments and interest charges are going to be. A mortgage calculator can be used for any kind of mortgage, including buy-to-let mortgages and home mortgages.

Let our AI software compare rates for mortgage products against high-street banks and other institutions: