Get the money you need from a trusted brand. The Royal Bank of Scotland secured loans have some of the lowest rates available for qualifying homeowners.
- 4.46% Fixed for life Royal Bank of Scotland loans
- Free home valuation
- Get a decision in principle with no hard credit search
- Loan to value up to 90%
- No upper age limit
- Fee-free further advances – subject to a new property valuation
- One penalty-free payment holiday a year
- No early repayment charges
Royal Bank of Scotland Secured Loans
This lender page keeps the focus on Royal Bank of Scotland and the sort of details a homeowner may want to have ready before making an enquiry.
A short, accurate description of the property and the borrowing purpose is usually more helpful than a long explanation at the start.
Another route through the same secured-loan section is homeowner loans without broker fees.
What helps at the start
Most homeowner-loan conversations begin with the same information. The address, ownership, income and loan purpose give the broker enough to start.
When the brand name is part of the search, the notes in The Mortgage Lender borrowing details give another lender-specific angle.
The property side of the enquiry
The lender or broker will usually check whether the property looks suitable security for the amount requested. That is why the value and mortgage balance are so useful at the start.
For borrowers comparing credit-aware routes, the page at loan options for joint homeowners keeps the next step related.
Other pages worth checking
When comparing pages, look for the detail that matches the enquiry: lender name, property type, credit background, loan-to-value or the purpose of the money.
Another named-lender page to compare is Precise Mortgages homeowner loan guide.
A related page to compare is homeowner borrowing for flight school costs, because it sits close to the same homeowner-loan subject.
Before sending the enquiry
Have the property address, estimated value, mortgage balance and preferred loan amount ready. A short reason for borrowing is enough for the first message.
For home improvements, a rough cost or quote can help. For consolidation, a plain list of balances is usually enough to start. For property-specific cases, any survey or title notes can follow later.
Where the property details are doing most of the work, it is sensible to compare the notes in borrowing against a home with a lodger.
Lender details
The following lender details give readers a direct route to public contact and regulatory information.
Royal Bank of Scotland is listed here for reference as The Royal Bank of Scotland plc. Financial Services Register number: 114724. Company or society number: SC083026. Registered or principal office: 36 St Andrew Square, Edinburgh, EH2 2YB. Website: https://www.rbs.co.uk; contact page: https://www.rbs.co.uk/support-centre/contact-us.html.
Metro Bank is listed here for reference as Metro Bank PLC. Financial Services Register number: 488982. Company or society number: 06419578. Registered or principal office: One Southampton Row, London, WC1B 5HA. Website: https://www.metrobankonline.co.uk; contact page: https://www.metrobankonline.co.uk/help-and-support/get-in-touch/; phone: 0345 241 3075.