Royal Bank of Scotland Mortgages

...are currently re-mortgaging with the Royal Bank of Scotland. This situation arose because of the lack of customer management at the Halifax. To cut a long story short, we were with the Halifax, and thanks to their mortgage review, they have just lost our business, because they couldn’t explain why with their lower interest rates, we would be paying £15 a month more than we do now. I didn’t understand it either. We knew something had to ...
...we are customers of the Royal Bank of Scotland (RBS) and we also have a bad credit history (a CCJ), we have very limited options open to us. Apart from going to a mortgage broker specialising in problem applications, which charge expensive fees. I have listed below some of the mortgage options available, I’m not very good at remembering or even understanding APR’s and mortgage rates but here goes. I shall check our info when I go home ...

Bevdav 11.07.2001 (22.10.2001) · Read full review
Ciao members have rated this review on average: very helpful
Review of Royal Bank of Scotland Mortgages

...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 accounts as well, both personal and treasurers' accounts for some clubs I've been involved in, as well as building society accounts, RBS have always won hands down when it comes to customer service and helpfulness. Also, and this is VERY IMPORTANT, you can phone your branch up and speak to a real person instead ...
...happened but I was lucky. The Royal Bank of Scotland are only human, and do make mistakes from time to time. Little ones, in my experience, and not very often. They use their vast electronic machine to help, not to hide behind. I wish all banks were this nice! ...

nikmacve 28.04.2004 · Read full review
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Review of Royal Bank of Scotland Mortgages

...other fees. This is Royal Bank of Scotland WAS helpful. They offer 100% fixed rate or discounted rate mortgages, and consider quite adverse circumstances (higher multiples and slight adverse credit history). We ended up going for a 3-year fixed at 6.45, so that we can get a better rate at the end, and also we expect to move in say 5 years. There are no overhanging redemption charges, so you can settle or change mortgages any time after the 3 years ...
...as they call it at Royal Bank of Scotland. This is quite a large fee (it was 3000 on our mortgage) and some people cannot pay this either. This is where Royal Bank’s unadvertised features come in, and where I am glad we went through an IFA. He told us we could add the MAP to the loan amount, thereby not having to fork out for it immediately. We did this, as fees come to over 2000 and then there is a hell of a lot to buy as First Time Buyers ...

kano 06.07.2001 · Read full review
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Review of Royal Bank of Scotland Mortgages

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 ...
...Direct facility, and it all went very smoothly. Customer services is perfectly adequate, even if the opening hours are a little restrictive. Everyone is eager to help, and very friendly. My complaints? Given that this is a flexible mortgage, it would be useful to receive statements more than annually. You can phone to check the amount outstanding, but after overpaying and then borrowing money back, it is very easy to get confused. The interest rate ...

caileag 07.12.2000 · Read full review
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Review of Royal Bank of Scotland Mortgages

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 ...
...out to be a few quid cheaper than Skipton but nonetheless had better facilities. (to be precise £204 rather than £213). Customer Service At the local Dunkeld Road office of RBoS - I already had a current and savings account there and knew they could be relied on. The lady dealing with our enquiry was polite, efficient and friendly and answered all my (sometimes awkward) questions, with one particularly difficult mathematical query on the 'final ...

Elnoj 18.08.2001 (13.09.2001) · Read full review
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Review of Royal Bank of Scotland Mortgages

...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 ...
...no charges, no early redemption fees or other hidden extras. I strongly recommend the Royal Bank of Scotland to anyone since having dealt with them I am convinced that the staff genuinely are interested in individual cases and don't seem to apply the 'helpdesk drone' flowchart of standard answers. ...

OhBrother 07.03.2001 · Read full review
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Review of Royal Bank of Scotland Mortgages

...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, ...
...house survey as for what you actually got told it was not worth the extra money. Don't worry that you will not have all the information that you need with you all on the first visit, they are more than happy to see you time and time again to check that every thing is in place. ...

HellyBelly 22.11.2000 · Read full review
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Review of Royal Bank of Scotland Mortgages

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 ...
..., the interest rates and other usefull stuff they were very informative and good all round . They even gave my a ring to see if I had sorted out my building and house contents insurance and offered me a discount for using them and also for joining both insurances together.so for any one confused about mortages these were brilliant and also a very good interest rate. ...

aidan1 27.08.2004 · Read full review
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Review of Royal Bank of Scotland Mortgages