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Home > Finance > Banking & Personal Finance > Mortgage Lenders > Royal Bank of Scotland Mortgages

User Reviews

for Royal Bank of Scotland Mortgages

Rating Summary based on 8 reviews

  • 5 Stars
    		5
  • 4 Stars
    		3
  • 3 Stars
    		0
  • 2 Stars
    		0
  • 1 Star
    		0
Previous page Next page Page 1 of 1 | 1 to 8 out of 8 Review(s)
  • 19 of 19 Ciao users found the following review helpful
    Picture of Bevdav

    Bevdav

    5 Stars The ice has not melted on my mortgage application 11/07/2001
    User recommends the product

    Advantages Advantages Still one of the few banks that have local branches. Also long established staff. Good choice of mortages etc.

    Disadvantages Disadvantages none.

    Edited bit- 22.10.01 Well, everything went through very smoothly. Money was in bank in time for my holidays in August. But the one thing I am so pleased about is since taking out the new mortgage, the rate has dropped 3 times and each time its been reflected in the following months payments. My payment is now about £28 less than it was quoted in June. Of course, I don't expect it to last long, no doubt it will start creeping up just as fast. But if I had stayed with the Halifax I would have been paying £240 per month for the next 12 months....what a difference it makes. So anyone humming and ... more
  • 12 of 12 Ciao users found the following review helpful
    Picture of nikmacve

    nikmacve

    5 Stars Re-mortgaging with the Royal Bank of Scotland 28/04/2004
    User recommends the product

    Advantages Advantages Friendly personal service.

    Disadvantages Disadvantages None that I know of!

    I've been a home-owner now for about eleven years: bought my first house as the market hit rock bottom and and am still there. Naive as I was then about financial matters, I took advice from a professional and ended up with an endowment mortgage. I expect you can guess what happened next. Actually it wasn't that bad: I still had fifteen years to run on my mortgage and am young enough to get another 25-year mortgage. So that's what I decided to do. I have banked with Royal Bank of Scotland ever since they took over Williams & Glynn's Bank nearly 20 years ago and while I've had other bank ... more
  • 26 of 26 Ciao users found the following review helpful
    Picture of kano

    kano

    4 Stars 100 percent morgages can be had 06/07/2001
    User recommends the product

    Advantages Advantages 100%, reasonable rates, MIG(MAP) can be added to loan

    Disadvantages Disadvantages fees, long time to do valuation

    My partner and I are just taking our first step in the property game, purchasing a 2 bedroom flat in outer London. We decided to seek the assistance of an Independent Financial Advisor to help us organise our mortgage etc, as we had no idea ourselves what was involved. This was a good choice, for more than just that reason. I have only been in England for 2 years, and though I have a good income and no debts or bad credit incidences, financial institutions are still woe to trust me. We also wanted a 100% mortgage, so we could use our saved money to purchase everything you need (god there is a ... more
  • 9 of 9 Ciao users found the following review helpful
    Picture of caileag

    caileag

    4 Stars My Flexible Friend 07/12/2000
    User recommends the product

    Advantages Advantages Friendly, accomodating, flexible

    Disadvantages Disadvantages Not necessarily the best rates

    My circumstances were not quite average, so I found that my best option for a mortgage was Bank of Scotland. I wanted to borrow a highish income multiple but, given that I had a good deposit, they were able accept my application. The mortgage I chose (Personal Choice) is flexible, though not nearly as versatile as the newer current account mortgages. Still, I can over or underpay, make partial repayments or write cheques to borrow more money. I did the whole application by telephone and post, using the Mortgages Direct facility, and it all went very smoothly. Customer services is perfectly ... more
  • 13 of 14 Ciao users found the following review helpful
    Picture of Elnoj

    Elnoj

    4 Stars Re-mortgage a breeze-ish 18/08/2001
    User recommends the product

    Advantages Advantages Fast, effective and friendly service - mostly

    Disadvantages Disadvantages None detected

    Frankly I wasn't too pleased with the fact that my former employer dumped us out of the existing company mortgage scheme into the Skipton (who?) BS when we were outsourced to a large service company. It had been at he back of my mind for some time just to switch to a mortgage provider of my choice as opposed to theirs, who had a Scottish presence and who were competitive as regards rates and type of service. We decided to switch to the RBoS flexible mortgage, which after a quote from their call centre turned out to be a few quid cheaper than Skipton but nonetheless had better facilities. (to ... more
  • 8 of 8 Ciao users found the following review helpful
    Picture of OhBrother

    OhBrother

    5 Stars Unadvertised Products - Special rate 07/03/2001
    User recommends the product

    Advantages Advantages Better deals available

    Disadvantages Disadvantages None, I really like it!

    Our mortgage has been with the Royal Bank of Scotland since we bought the house, about 4 years ago. It occurred to me, after watching Working Lunch (BBC2) to check that the rates available were the best I could get. (Our situation is fortunate in that we have a small mortgage in relation to the value of the property). I wasn’t really interested in the paperwork to completely re-mortgage either. After a couple of pleasant conversations with the Royal Bank of Scotland mortgage centre staff in Greenock it turns out that there are some rates for customers who are thinking of re-mortgaging ... more
  • 3 of 4 Ciao users found the following review helpful
    Picture of HellyBelly

    HellyBelly

    5 Stars Really friendly helpful staff 22/11/2000
    User recommends the product

    Advantages Advantages Takes the strain out of getting a Mortgage

    Disadvantages Disadvantages Intrest rates but all banks have them

    Getting a mortgage is one of the most stresful things that you will ever have to do in your life and at the Royal Bank of Scotland they were brilliant. The customer adviser that we saw told us that he got paid to sort out our finances so there was no point in me worrying about it, he really put me at ease and things went really smoothly from there on in. Make an appointment with the mortgage adviser and he/she will tell you everything that you need to know, things from which solicitor is recommended, to how much money you can get, ours even told us not to go for the dearest house survey as for ... more
  • 1 of 11 Ciao users found the following review helpful
    Picture of aidan1

    aidan1

    5 Stars mortages 27/08/2004
    User recommends the product

    Advantages Advantages uncomplicated ,very informative with every step of the way with my mortage

    Disadvantages Disadvantages none so far

    I live in a rented 3 bedroomed semi- detatched from the council , I work 18 hours a week and wanted to purchase my house the Bank Of Scotland had no problem as long as I could prove I could afford the mortage most other leanders wouldnt touch me not even my own bank ,so if it wasnt for The Bank Of Scotland I wouldnt be buying my house and joing the house ladder. As with most people I dont know much about mortages but with this bank they were patient , they provided information about each mortage that was avaliable , the interest rates and other usefull stuff they were very informative and good ... more
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