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Fixed rate mortgages

Manage your budget
with confidence

What is a fixed rate mortgage?

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

Mortgage	Initial interest rate	Follow on rate	Overall cost for comparison	Max loan	Other information
2 Year Purchase Fixed Rate	5.74% fixed until 31/01/2011	5.19% variable	5.6% APR	75% property value	Product fee £999 Early repayment charge applies until 31/01/2011 Minimum loan £25,000 Only available for new and existing customers purchasing a new property
Calculate payments Apply online Useful phone numbers
2 Year Remortgage Fixed Rate	5.74% fixed until 31/01/2011	5.19% variable	5.5% APR	75% property value	Overpay 10% without incurring an early repayment charge Product fee £999 Early repayment charge applies until 31/01/2011 Minimum loan £25,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
2 Year Purchase Fixed Rate	5.74% fixed until 31/01/2011	5.19% variable	5.6% APR	60% property value	Product fee £799 Early repayment charge applies until 31/01/2011 Minimum loan £2,500 Only available for new and existing customers purchasing a new property
Calculate payments Apply online Useful phone numbers
2 Year Remortgage Fixed Rate	5.74% fixed until 31/01/2011	5.19% variable	5.5% APR	60% property value	Overpay 10% without incurring an early repayment charge Product fee £799 Early repayment charge applies until 31/01/2011 Minimum loan £25,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
2 Year Purchase Fixed Rate	6.14% fixed until 31/01/2011	5.19% variable	5.7% APR	85% property value	Overpay 10% without incurring an early repayment charge Product fee £999 Early repayment charge applies until 31/01/2011 Minimum loan £25,000 Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
2 Year Remortgage Fixed Rate	6.14% fixed until 31/01/2011	5.19% variable	5.6% APR	85% property value	Overpay 10% per year without incurring an early repayment charge Product fee £999 Early repayment charge applies until 31/01/2011 Minimum loan £25,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
2 Year Purchase Fixed Rate	6.64% fixed until 31/01/2011	5.19% variable	5.8% APR	90% property value	Overpay 10% without incurring an early repayment charge Product fee £999 Early repayment charge applies until 31/01/2011 Minimum loan £25,000 Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
2 Year Remortgage Fixed Rate	6.64% fixed until 31/01/2011	5.19% variable	5.7% APR	90% property value	Overpay 10% per year without incurring an early repayment charge Product fee £999 Early repayment charge applies until 31/01/2011 Minimum loan £25,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
5 Year Purchase Fixed Rate	5.74% fixed until 31/01/2014	5.19% variable	5.7% APR	75% property value	Overpay 10% per year without incurring an early repayment charge Product fee £999 Early repayment charge: 5% until 31/01/2010 4% until 31/01/2011 3% until 31/01/2012 2% until 31/01/2013 1% until 31/01/2014 Minimum loan £25,000 Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
5 Year Remortgage Fixed Rate	5.74% fixed until 31/01/2014	5.19% variable	5.7% APR	75% property value	Overpay 10% per year without incurring an early repayment charge Product fee £999 Early repayment charge: 5% until 31/01/2010 4% until 31/01/2011 3% until 31/01/2012 2% until 31/01/2013 1% until 31/01/2014 Minimum loan £25,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
5 Year Purchase Fixed Rate	6.24% fixed until 31/01/2011	5.19% variable	6.0% APR	85% property value	Overpay 10% per year without incurring an early repayment charge Product fee £999 Minimum loan £25,000 Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
5 Year Remortgage Fixed Rate	6.24% fixed until 31/01/2011	5.19% variable	5.9% APR	85% property value	Overpay 10% per year without incurring an early repayment charge Product fee £999 Minimum loan £25,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
Royalties: 5 Year Purchase Fixed Rate	6.64% fixed until 31/01/2014	5.19% variable	6.1% APR	90% property value	Overpay 10% per year without incurring an early repayment charge Product fee £799 Early repayment charge: 5% until 31/01/2010 4% until 31/01/2011 3% until 31/01/2012 2% until 31/01/2013 1% until 31/01/2014 Minimum loan £25,000 Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
5 Year Purchase Fixed Rate	6.74% fixed until 31/01/2014	5.19% variable	6.2% APR	90% property value	Overpay 10% per year without incurring an early repayment charge Product fee £999 Early repayment charge: 5% until 31/01/2010 4% until 31/01/2011 3% until 31/01/2012 2% until 31/01/2013 1% until 31/01/2014 Minimum loan £25,000 Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
5 Year Remortgage Fixed Rate	6.74% fixed until 31/01/2014	5.19% variable	6.1% APR	90% property value	Overpay 10% per year without incurring an early repayment charge Product fee £999 Early repayment charge: 5% until 31/01/2010 4% until 31/01/2011 3% until 31/01/2012 2% until 31/01/2013 1% until 31/01/2014 Minimum loan £25,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
Royalties Private / Business Banking: 2 Year Purchase Fixed Rate	5.64% fixed until 31/01/2011	5.19% variable	5.6% APR	75% property value	Overpay 10% without incurring an early repayment charge Product fee £999 Early repayment charge applies until 31/01/2011 Minimum loan £50,000 Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
Royalties Private / Business Banking: 2 Year Remortgage Fixed Rate	5.64% fixed until 31/01/2011	5.19% variable	5.5% APR	75% property value	Overpay 10% without incurring an early repayment charge Product fee £999 Early repayment charge applies until 31/01/2011 Minimum loan £50,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
Royalties Private / Business Banking: 2 Year Purchase Fixed Rate	5.64% fixed until 31/01/2011	5.19% variable	5.6% APR	60% property value	Overpay 10% without incurring an early repayment charge Product fee £799 Early repayment charge applies until 31/01/2011 Minimum loan £50,000 Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
Royalties Private / Business Banking: 2 year Remortgage Fixed Rate	5.64% fixed until 31/01/2011	5.19% variable	5.5% APR	60% property value	Overpay 10% without incurring an early repayment charge Product fee £799 Early repayment charge applies until 31/01/2011 Minimum loan £50,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
Private / Business and Royalties Gold: 2 Year Purchase Fixed Rate	5.69% fixed until 31/01/2011	5.19% variable	5.6% APR	75% property value	Overpay 10% per year without incurring an early repayment charge Product fee £999 Early repayment charge applies until 31/01/2011 Minimum loan £50,000 Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
Private / Business and Royalties Gold: 2 Year Remortgage Fixed Rate	5.69% fixed until 31/01/2011	5.19% variable	5.5% APR	75% property value	Overpay 10% without incurring an early repayment charge Product fee £999 Early repayment charge applies until 31/01/2011 Minimum loan £50,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
Private / Business and Royalties Gold: 2 Year Purchase Fixed Rate	5.69% fixed until 31/01/2011	5.19% variable	5.6% APR	60% property value	Overpay 10% per year without incurring an early repayment charge Product fee £799 Early repayment charge applies until 31/01/2011 Minimum loan £50,000 Only available for new and existing customers purchasing a property
Calculate payments Apply online Useful phone numbers
Private / Business and Royalties Gold: 2 Year Remortgage Fixed Rate	5.69% fixed until 31/01/2011	5.19% variable	5.5% APR	60% property value	Overpay 10% without incurring an early repayment charge Product fee £799 Early repayment charge applies until 31/01/2011 Minimum loan £50,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
Royalties Private / Business Banking: 10 Year Remortgage Fixed Rate	5.89% fixed until 31/01/2019	5.19% variable	5.9% APR	75% property value	Overpay 10% per year without incurring an early repayment charge Product fee £999 Early repayment charge: 5% until 31/01/2015 4% until 31/01/2016 3% until 31/01/2017 2% until 31/01/2018 1% until 31/01/2019 Minimum loan £25,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers
Private / Business and Royalties Gold: 10 Year Remortgage Fixed Rate	5.94% fixed until 31/01/2019	5.19% variable	6.0% APR	75% property value	Overpay 10% per year without incurring an early repayment charge Product fee £999 Early repayment charge: 5% until 31/01/2015 4% until 31/01/2016 3% until 31/01/2017 2% until 31/01/2018 1% until 31/01/2019 Minimum loan £25,000 Only available for new remortgage customers, existing customers should call us for details of our exclusive rates
Calculate payments Apply online Useful phone numbers

Looking for a guarantee that your mortgage repayments won't go up or down?

With a fixed rate mortgage from The Royal Bank of Scotland, your interest rate is fixed for an agreed period. So you know exactly where you stand during the fixed rate period, giving you real control to budget and plan ahead.

And you don't need to nervously watch the Bank of England Base rate. You can just get on with living your life.

Higher Lending Charge

A Higher Lending Charge will apply to all loans above 90%.

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