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Coronavirus: mortgage payment holiday

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Coronavirus: mortgage support

Is your existing mortgage payment holiday coming to an end?

If you already have a payment holiday in place, there is nothing you need to do. Your existing payment holiday will remain in place and we will contact you before this ends to let you know the options available to you.

Find out more about your options

Apply for a mortgage payment holiday

If your income has been impacted by Coronavirus and you know you are not going to be able to make your monthly mortgage payments, we could offer our existing mortgage customers a mortgage payment holiday of up to 3 months.

If you have already missed a mortgage payment, and want to apply for a payment holiday, you will need to call us.

Apply for a mortgage payment holiday

Searching for a better deal?

If your current Royal Bank of Scotland mortgage deal is ending or you’re on Standard Variable Rate, you could switch to a better deal.

Find out more about switching your mortgage deal and get a personalised quote in just a few minutes.

Switch to a new mortgage deal

Ways to manage your mortgage online

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Set up a regular overpayment

You can overpay by up to 10% every year. Setting up a regular overpayment could help you pay off your mortgage faster, potentially saving you money on interest payments.

You can set up an overpayment by logging in to Manage my Mortgage online and selecting ‘Make a payment’ from the ‘My payments’ section of the ‘My payments and services’ menu.

Change a regular overpayment

You can also change a regular overpayment by logging in to Manage my Mortgage.

Simply select ‘Make a payment’ from the ‘My payments’ section of the ‘My payments and services’ menu and then add the new amount in the ‘amount to overpay’ field.

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Make a lump sum overpayment

Making a one off lump sum overpayment could help reduce your monthly mortgage repayments. That could free up extra funds for something a little more...exciting.

You can set up an overpayment by logging in to Manage My Mortgage and selecting ‘Make a payment’ from the ‘My payments’ section of the ‘My payments and services’ menu.

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Change your payment date

You can change your payment date to a day that better suits you. Simply log on to Manage my Mortgage online and select ‘Change payment date’ from the ‘My payments’ section of the ‘My payments and services’ menu.

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Change your payment bank account

If you need to update your bank account details, you can do so by logging in to Manage my Mortgage online. Select ‘Change payment account’ from the ‘My payments’ section of the ‘My payments and services’ menu.

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Switch to a new rate

If you’re coming to the end of your fixed or tracker rate period or are on Standard Variable Rate, why not take a look at the new deals you are eligible for.

Simply log in to Manage my Mortgage to get a personalised quote. Once you’re ready and confident to choose a new deal without advice, you can also switch online in less than ten minutes.

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Request a Certificate of Interest

A mortgage Certificate of Interest sets out exactly how much interest you have paid on your mortgage in the previous tax year. This can be useful if you are filling in a tax return or preparing your annual accounts.

If you would like to request a certificate of interest save time by logging in to Manage my Mortgage online. Then select ‘Request Certificate of Interest’ from the ‘Request statements’ section of the ‘My payments and services’ menu.

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Request permission to let your property

If you’re planning to rent out your residential property, you'll need to request permission to do so with your current mortgage. You can request permission online using Manage my Mortgage. Select the ‘Consent to let’ option from the ‘Other service’ section of the ‘My payments and services’ menu.

You may need to switch to a buy to let mortgage. The minimum deposit for a buy to let mortgage is usually about 25% of the property’s value.

To find out more, take a look at our Buy-to Let section.

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View your current balance

When logged in, you can check your outstanding balance, and review your mortgage sub accounts.

Log in to Manage my Mortgage online. Your balance will show as at the previous business day and may not show an up to date balance.

Overpayment calculator

Use our overpayment calculator to see how much you could save by making either extra monthly payments or paying a lump sum to your capital repayment mortgage.

How much could I save?

Borrowing calculator and rate finder

We'll quickly show you how much we may be able to lend you, as well as our mortgage rates. Just have details of your income, outgoings, deposit and cost of your new home ready.

Mortgage calculator

Borrowing options for our customers

As well as the ability to borrow more on your mortgage, we now offer personal loans to our existing mortgage customers. Whether you're looking to make some home improvements, or better manage your finances, we could help.

Borrow more on your mortgage

Achieve your future plans in the present

If you have a residential mortgage with us, you could borrow up to 90% of the value of your home.

Applications for additional borrowing are subject to LTV and must meet our current lending requirements
Minimum amount is £10,000
Minimum term 3 years - maximum term 35 years (maximum age 70)

Additional borrowing is available on a capital and interest repayment basis. You may be able to borrow more on an interest only basis, subject to criteria.

Borrowing more on your mortgage

Personal loans to our existing mortgage customers

Representative 3.4% APR for loans between £7,500 and £19,950

Other loan amounts are available at alternative rates. Our rates depend on your circumstances and loan amount and may differ from the Representative APR.

To apply, you must be 18+ and a UK resident with either a Royal Bank current account (held for 3+ months), credit card or mortgage (held for 6+ months). Credit card and mortgage customers must apply online or by phone.

Loans for existing mortgage customers

A guide to paying off your mortgage

Our mortgage repayment guide covers the different types of mortgage available, as well as things to consider if you're looking to pay off your mortgage early.

Mortgage repayment guide

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mortgage online

Coronavirus: mortgage support