Find and apply for the right mortgage with a little help from us. Whether you want to take that first step or plan your next move, your search starts here.
Got a question? See if our common questions below can answer it.
1. Could my mortgage offer be withdrawn if changes are made to the Royal Secure mortgage range?
If you’ve completed your mortgage application with us and received a formal mortgage offer, any changes to our mortgage range will not currently affect the rate that you have applied for.
If you have applied for a mortgage but not yet received your offer, if we are able to make an offer we will honour the rate that you have applied for, subject to the application meeting lending criteria.
If you are an existing mortgage customer and have already arranged to switch to a new deal, any changes to our mortgage range will not affect your new deal taking effect as planned.
2. What can I do to secure a mortgage rate with you?
If you haven’t completed your mortgage application with us, to secure a mortgage rate you must complete a full mortgage application, either online or with a mortgage adviser.
If you already have a mortgage with us, you will need to complete an application for a new deal, either online or with a mortgage adviser. If you’re in the last three months of your current deal, we’ll waive any Early Repayment Charges (ERC) as a thank you for staying with us. If your existing deal has more than three months left to run, you can still switch your deal, but the waiver would not apply, so you may have to pay an ERC.
Please note: An agreement in principle (AIP) is not a mortgage offer. Once you have completed an AIP, you will need to complete a full mortgage application with us to secure a rate from our current range.
3. I’m in the process of switching to a new deal - am I able to select a different deal instead if I’ve changed my mind?
If you already have a Royal Secure mortgage and have arranged to switch onto a new deal, you can cancel that application and select a different deal from our current range.
4. Will I get the same mortgage rates online as I would if I phone or visit a branch?
The rates we offer over the phone and in branch are the same as our rates shown online.
5. Will I have to pay an Early Repayment Charge (ERC) to switch to a new deal?
If you already have a mortgage with us and are in the last three months of your current deal, we’ll waive all ERCs as a thank you for staying with us. If your existing deal has more than three months left to run, you can still switch your deal, but the waiver would not apply, so you may have to pay an ERC.
This waiver does not apply to other payments to your mortgage account which might trigger the payment of an ERC, such as a lump sum overpayment.
Read more on Early Repayment Charges.
If you’re applying to move your mortgage to us from another lender, you will need to speak to your existing mortgage provider to discuss any ERCs.
6. Can I get more information about my existing mortgage or my application for a new mortgage?
If you already have a Royal Secure mortgage, you can sign in to Online Banking to check details about your existing mortgage. To make any changes to your existing mortgage, or to see what options are available to you, please visit our existing customer page.
If you are a first time buyer, you’re moving home, or you’re moving your mortgage to us and your application is already in progress, you can find updates on your Customer Tracker. You will find the link for this in your email invitation, or you can email your Mortgage Adviser.
7. I’m struggling to keep up with my mortgage repayments, what can I do?
The fastest way to contact us right now is online. Contact us online if you're struggling to pay your mortgage so we can find the best way to help you.
Just answer a few questions and we’ll give you a range of payment options designed just for you.
Dealing with financial difficulty - We've put together some guides to help you manage your money and understand the support available to you.
You can still call us over the phone. We're receiving a high number of calls at the moment so it will take us much longer than usual to answer your call.
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How to apply for a mortgage
- Apply for an Agreement in Principle. This shows how much you might be able to borrow.
- Find a house and put in an offer. Once it’s accepted you can apply.
- Speak to a Mortgage Adviser. You can apply for a mortgage on a video appointment, in branch or over the phone.
- Send your application and get approved. We’ll look at all the information you’ve sent us to make a decision.
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