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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, but you have to ask! I understand they are reserved for existing customers only, but it is well worth asking. The added bonus for us being no paperwork, not even a re-valuation! Perfect.
I am pleased to now have a reduction in my rate to 5.79%, fixed for 2 years with 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.