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RBS: Fixed Rate Mortgage reviews

Name: Fixed Rate Mortgage
Rating: 3.82 (11 reviews)

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3.71

Based on 11 reviews, last reviewed 4th Apr 2022

No new 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

37%

27%

18%

1 star

Latest highest rating:

5

As needed Tailored to what we needed, click of a button and done. Reviewed on: 4th April 2022

Latest lowest rating:

2

Requesting 20% deposit on new build which is unachievable for most people Reviewed on: 11th January 2018

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About this product

Royal Bank of Scotland (RBS) provides banking services for both personal and business customers, including a range of mortgage products. A fixed rate mortgage will have a set interest rate that lasts for a specific period of time, usually between two and five years, but sometimes ten. Be confident that you understand the Ts and Cs and interest rate of a mortgage. Always consult the lender or an independent advisor if you need help understanding your options.

A mortgage is a big financial decision, so it’s important to find a reputable lender with a suitable mortgage deal for your circumstances. Customer reviews can provide you with the valuable insight to make an informed decision when choosing a mortgage provider. Read our RBS fixed rate mortgage reviews to learn more.

Find out how satisfied RBS borrowers are with their fixed rate mortgages. Learn more about the application process and how supportive RBS was throughout. Read about genuine experiences with the customer service team to see how RBS treats its borrowers. Find out if borrowers would recommend the lender and mortgage to their family and friends. All of this and more can be found in our RBS fixed rate mortgage reviews.

If an RBS fixed rate mortgage helped you purchase your home, write a review on Smart Money People. Why did you choose this mortgage? What are the main pros and cons you’ve experienced throughout your time with RBS? Share any experiences you’ve had with the customer service team. Has the lender been communicative throughout the term of your mortgage? Would you recommend this mortgage to your family and friends? Whether good or bad, write an honest RBS fixed rate mortgage review today. Together, we can help people like you make better financial decisions.

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RBS Fixed Rate Mortgage reviews (11)

As needed

Tailored to what we needed, click of a button and done. Reviewed on: 4th April 2022

Efficient and good rate

Bank switch worked fine with a good interest rate etc. Some problems at other points, the bank complaints team helped with getting these fixed Reviewed on: 26th March 2022

best mortgage deal

The whole experience was so easy and very quick & efficeient service so easy to sign the digi docs, very impressed. Reviewed on: 27th April 2021

competitive but could do better

re-mortgaged which was an overly long process that could have been made smoother by the bank's service providers. However the rates were competitive. Reviewed on: 16th December 2018

Requesting 20% deposit on new build

which is unachievable for most people Reviewed on: 11th January 2018

Taking out a mortgage

Brilliant help from branch staff, excellent advice and support Reviewed on: 6th September 2017

Renewed fixed rate

I have just came to the end of my previous fixed deal and have renewed on a new 2 year fixed deal with RBS. They offered the best deal for my LTV on the market. I have had no problems with RBS. The only problems i have had is even though they have an online portal you are limited to what you can complete online. I tried to change the date of my monthly payments but it required a phone call to confirm it. It seems that whatever you do online needs confirming manually by post or phone before it is applied. Reviewed on: 6th September 2016

Jeremy Kyle Show at RBS

We attended a mortgage interview with my local branch of RBS to work out how much we could borrow, get an idea of repayment costs etc. Having already had one with Santander we had a fair idea of what to expect - or so we thought. I should make it clear that the Assistant was very polite, warm, funny (maybe not intentionally) and tried to help as much as possible. Unfortunately for some reason they gave us an Assistant with only basic mortgage training who was not empowered to give us any actual figures. She could tell us how much we could borrow but could not even give us an estimate on repayment costs despite the fact I could look this info up for myself using my mobile during the interview. The fun part came with her giving us a complete run down on her personal life. I know WAY more than I ever needed to know about her ex-partner and her delightfully lazy son who plays computer games all day in his pants.... Entertaining - yes. Useful - no! Reviewed on: 31st August 2016

Helpful Staff, Fast process and Decent rate.

I am coming towards the end of my 2 year fixed rate mortgage with RBS. I took out a 95% mortgage using the governments help to buy scheme. RBS were very efficient at moving the mortgage process along, we got a homebuyers report through RBS. The surveyors responded with some incorrect details but RBS was quick to get this corrected and move further along. The rate was decent for a 95% mortgage. Reviewed on: 15th June 2016

Customer service is excellent and taking out a mortgage was straightforward.

I found RBS mortgages website very slick and easy to use. When I took out my mortgage I had questions about how flexible they would be if I wanted to rent out my house in the future so I spoke to them at length about this and they were very helpful. I now manage my mortgage online and they send me an annual statement so my experience of RBS mortgages has been straightforward throughout. Reviewed on: 31st August 2015

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