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RBS Lifetime Mortgages – Royal Bank of Scotland Equity Release

RBS Lifetime Mortgages
  • Remove tax-free cash from your house.
  • No monthly repayments
  • Help your family with the cash you release
  • Stay living in your own house for as long as you like
  • It can be a vehicle to reduce tax bills.

How much can I get?

You can get 60% of your home’s valuation. For example, if your home is valued at £280000, you can release £168000.

  • Free No Obligation Quote

  • Please enter a number from 3000 to 2000000000.
  • Please enter a number from 30000 to 100000000.
  • Leave blank if no mortgage outstanding
  • About You

Over 55 Home owner

Natwest Equity Release Best Deals
Hodge Lifetime - Lump Sum Lifetime Mortgage
Canada LIfe - Interest Select Gold Flexi

Does RBS have excellent reviews for equity release?

Yes, RBS reviews are commendable for equity release.

Equity Release percentages of your current property value

The more elderly you are and the unhealthier you are the more money you can release.

Equity release is common among business owners like below

  • Public relations and communications activities Woking
  • Activities of tourist guides Carlton Colville
  • Electrical installation Pudsey
  • Cargo handling for land transport activities Shildon
  • Retail sale of audio and video equipment in specialised stores Kenilworth
  • Other research and experimental development on natural sciences and engineering Desborough
  • Wholesale of mining, construction and civil engineering machinery Bridport
  • Funeral and related activities Woodley
  • Wholesale of household goods other than musical instruments n e c Thame
  • Manufacture of cocoa and chocolate confectionery Leiston
  • Wholesale of wine, beer, spirits and other alcoholic beverages Alcester
  • Manufacture of equipment for concrete crushing and screening and roadworks Harwich
  • Agents selling agricultural raw materials, livestock, textile raw materials and semi-finished goods Enfield
  • Investigation activities Earby
  • Manufacture of luggage, handbags and the like, saddlery and harness Harlow
  • Combined facilities support activities Tenbury Wells
  • Real estate agencies Stapleford
  • Manufacture of bearings, gears, gearing and driving elements Syston
Legal & General - Premier Flexible Black

Towns where Lifetime Mortgages are routine

  • Hawkinge
  • Oundle
  • Earby
  • Tottenham
  • Uppingham
  • Kidsgrove
  • Shrewsbury
  • Hounslow
  • Keynsham
  • Torpoint
  • Wiveliscombe
  • Stalybridge
  • Ivybridge
  • Gorleston-on-Sea
  • Melksham

What are the current RBS rates for equity release?

RBS interest rates for equity release are 2.23% APR.

Legal & General - Flexible Pink

How much is it common to release from a home

  • 60% monthly payment life time mortgage AIG Life
  • 55% loan to value monthly payment life time mortgage Just Retirement
  • 45% loan to value monthly payment equity release Vida
  • 30% loan to value (LTV) lump sum lifetime mortgages Ecology Building Society

The lender will want to know if the property is a Semi detached freehold house or a Leasehold house and if the resident is an AST Tenant.

Disadvantages of RBS Interest-Only Lifetime Mortgages

Lump sum lifetime mortgages can reduce your estate value. Monthly payment lifetime mortgage may impact ability to claim benefits. You may need to pay a broker’s fee and you could have higher rates to pay with some schemes.


Do RBS do Equity Release?

Yes, RBS Equity Release is 2.24% MER.

More to life Lifetime Mortgages

Hodge Lifetime Equity Release

Some of the most popular loan to value percentages of Virgin Money retirement mortgages over 65, Direct Line interest only mortgages for over 60s, Leeds Building Society mortgages for people 60 plus, Coventry Building Society interest only lifetime mortgages for over 60s, Newcastle Building Society interest only mortgages for over 60s near London and Cumberland Building Society equity release schemes for people over 70 are 45%, 60% and 65%.

Just Equity Release

Do RBS do Pensioner Mortgages?

Yes, RBS Pensioner Mortgages are 1.96% APRC.

  • TSB Lifetime Interest Only Mortgage
  • Royal Bank of Scotland Equity Release Schemes
  • Hodge Equity Release Plans
  • More to Life Flexi Choice Voluntary Payment Super Lite
  • Pure Retirement Lifetime Mortgage
  • NatWest Equity Release
  • Age Partnership Interest Only Lifetime Mortgage
  • More to Life Capital Choice Plus Plan
  • L&G Legal & General Flexible Plus Lifetime Mortgage
  • Liverpool Victoria LV= Flexible Lifetime Mortgage
  • More 2 Life Capital Choice Plan
  • Stonehaven Interest Select Plan
  • Nationwide Interest Only Lifetime Mortgage
  • Bridgewater Equity Release
  • Canada Life Lifestyle Lite Flexi
  • L&G Legal & General Flexible Lifetime Mortgage
  • Lloyds Bank Equity Release Schemes
  • More 2 Life Tailored Choice Plan

Popular loan to value ratios of Liverpool Victoria mortgages for over 60s, More 2 Life interest only lifetime mortgages for people over 60, One Family interest only lifetime mortgages for over 70s, Yorkshire Building Society help to buy for over 60s, Metro Bank mortgages for 60 year olds and Axa mortgages over 70s are 40%, 60% and 70%.

Does RBS offer Retirement Mortgages?

Yes, RBS Retirement Mortgages are 1.97% APR.

It’s very regular to discover individuals searching for monthly payment lifetime mortgage, monthly payment lifetime mortgage or interest-only lifetime mortgages, however, Lifetime Mortgage from L&G like The Exeter Equity Release are keen to see evidence of your personal situation in the form of bank statements.

UK Equity Release Providers

  • Key Retirement
  • Crown
  • Age Concern
  • Zurich

The typical loan to values of TSB retirement mortgages over 65, Barclays Bank later life interest only mortgages over 60, Post Office mortgages for 60 plus, Legal & General interest only mortgages for over 60s, Bank of Scotland pensioner mortgages over 55 and Nationwide Building Society mortgages over 65 are 35%, 55% and 65%.

Does RBS do Equity Release Under 55?

Yes, RBS Equity Release Under 55 is 2.23% APRC.

Equity Release Mortgage Under 55

Some of the most common pensioner loan products are Lloyds Bank later life interest only mortgages over 60, Barclays interest only lifetime mortgages, Post Office later life interest only mortgages, L&G interest only mortgages for people over 60 and Nationwide interest only lifetime mortgages.

Does RBS offer Lifetime Mortgages?

Yes, RBS does lifetime mortgages at 1.96% APRC. RBS Lifetime Mortgages can have an LTV of 75%.

Everyday retirement mortgage products include TSB remortgages for 60 plus, HSBC interest-only lifetime remortgages, Natwest remortgages for 60 plus pensioners, L&G later life borrowing schemes and Nationwide BS interest-only remortgages for people over 70.

Popular loan to value percentage ratios of Lloyds Bank interest only remortgages for over 60s, HSBC pensioner remortgages over 60, Natwest help to buy for over 60s, Legal and General remortgages for people over 50, RBS later life interest only remortgages over 60 and Nationwide Building Society remortgages for over 50 year olds are 45%, 60% and 70%.

Popular loan to value percentages of LV= pensioner remortgages over 60, More2Life interest only remortgages for over 70s, One Family remortgages for people over 50 years old, Yorkshire Building Society lifetime remortgages for over 55s, Royal London remortgages for 60 plus and Sun Life remortgages for over 50 year olds are 45%, 55% and 70%.

Some of the most common loan to value percentage ratios of Standard Chartered later life interest only remortgages over 70, Shepherds Friendly remortgages over 65, Sainsburys remortgages for 60 year olds, Skipton Building Society pensioner remortgages over 60, West Bromwich Building Society lifetime remortgages for over 55s and Cumberland Building Society pensioner remortgages over 60 are 45%, 55% and 65%.

Does RBS offer retirement remortgage for pensioners over 60?

Yes, RBS retirement remortgages for the over 60s are 3.43% APR fixed for life.

Does RBS do pensioner remortgages for the over 60s?

Yes, an RBS pensioner remortgage over 60 is 3.56% APRC fixed.

Does RBS do a later life remortgage for retired homeowners over 60?

Yes, RBS later life remortgages for the over 60s are 3.26% APRC variable.

Does RBS offer the best remortgages for retired people over 60?

RBS best remortgage for retired pensioners over 60 is 3.64% MER fixed.

Does RBS do a remortgaging option for retired homeowners over 60?

Yes, RBS remortgaging options for over 60s are 3.94% MER fixed for life.

Do RBS offer mortgage calculators for the over 60s?

Yes, a RBS mortgage calculator for pensioners over 60 will show 3.4% APRC fixed.

Does RBS offer RIO mortgages for the over 60s?

Yes, a RBS RIO mortgage for people over 60 is 3.66% AER variable.

Does RBS offer a retirement interest-only mortgage for pensioners over 60?

Yes, RBS retirement interest only mortgages for the over 60s are 3.62% APR fixed.

Interest-Only Lifetime Mortgage Over 60 and RIO Mortgages Over 70: Navigating the Royal Bank of Scotland Options

Navigating the maze of mortgage options can be overwhelming, especially for those over 60 and 70 years of age in the UK. Two popular options are the interest-only lifetime mortgage over 60 and RIO (Retirement Interest Only) mortgages over 70. The Royal Bank of Scotland (RBS), a prominent bank in the UK, provides a range of such mortgage products tailored to meet the needs of its mature clientele. Here, we delve into RBS’s offerings, discussing everything from their RBS sixty plus mortgages to their RBS retirement interest only mortgage.

RBS Mortgage Offerings for the Mature Clientele

RBS 60 plus and Royal Bank sixty plus mortgages are designed for individuals over the age of 60 who may wish to secure a mortgage during their retirement years. On the other hand, Royal Bank 60 plus and RBS retirement interest only mortgage offer flexibility by allowing borrowers to pay only the interest on the loan, with the capital being repaid when the house is sold, or other specified life events occur.

Understanding RBS Mortgage Rates

RBS mortgage interest rates vary based on the specific mortgage product selected. The mortgage rates RBS provides can be reviewed on their official website or discussed with an RBS mortgage advisor. For those interested in RIO mortgages, the Royal Bank of Scotland RIO mortgage rates are competitive, often tailored to appeal to retirees.

Calculating Your Mortgage with RBS Tools

Navigating the mortgage landscape is easier with the suite of tools RBS offers. The Royal Bank of Scotland mortgage calculator, also known as the mortgage calculator UK RBS, is a handy tool. This RBS mortgages calculator allows potential borrowers to get an estimate of their monthly payments based on current RBS mortgage rates. Additionally, the bank provides a RBS remortgage calculator and a remortgage calculator RBS for those considering switching their current mortgage to RBS.

Equity Release with RBS

For retirees looking to tap into the equity of their homes without selling, RBS equity release is a suitable option. This scheme allows homeowners to borrow money against the value of their home, either as a lump sum or in smaller amounts.

Types of Mortgages and Deals

RBS mortgages span a wide variety. Whether it’s the RBS first time mortgage for those venturing into homeownership later in life, the RBS 5 year fixed rate mortgage, or the flexible RBS mortgage tracker, there is something for every retiree’s need. They often have special RBS mortgage deals tailored to the requirements of older clientele. It’s worth noting the distinction between the terms RBS morgages and RBS mortages, which might be misspellings but could appear in some online searches.

Benefits for RBS Customers

Loyal RBS customers, especially those enrolled in programs like RBS gold benefits, might be eligible for exclusive mortgage rates. Both RBS mortgage rates existing customers and RBS mortgage rates for existing customers suggest that the bank offers preferential rates for its long-standing patrons.

More2Life and RBS’s Loan Options

While more2life interest rates are often associated with equity release products, RBS provides various loan options. The RBS Loan Calculator UK and the Royal Bank of Scotland loan calculator help prospective borrowers estimate their loan repayments. Whether you’re considering personal loans, with the help of the RBS personal loans calculator, or business loans via the RBS business loan calculator, the bank ensures you have the tools to make informed decisions.

How to Reach Out to RBS

Communication is vital. For personalized advice, reaching out to an RBS mortgage adviser or mortgage advisor RBS is a step in the right direction. They can provide guidance tailored to individual circumstances. Furthermore, the RBS mortgage number available on the official website is a direct line for any mortgage-related queries.

RBS ISA and Savings Rates

While this discussion primarily focuses on mortgages, it’s worth noting that RBS also offers attractive savings options. The Royal Bank ISA rates are competitive and can be a consideration for retirees looking to grow their savings alongside managing their mortgages.

Remortgaging with RBS

For those already with a mortgage but considering switching, RBS remortgage is an option. With potentially lower RBS remortgage rates, it’s an avenue worth exploring, especially if it leads to better interest rates or more favourable terms.

In Essence

Navigating the mortgage landscape, especially post-retirement, demands caution, awareness, and the right guidance. With institutions like RBS offering a variety of tools such as the RBS mortgage calculator and providing options from RBS fixed rate mortgage to retirement-specific offerings, retirees are well-equipped to make decisions that align with their financial goals. Engaging with an RBS mortgage adviser and utilizing tools like the mortgage calculator Royal Bank of Scotland ensures clarity and confidence in every step of the mortgage journey. With RBS’s commitment to its customers, retirees in the UK can look forward to a secure and comfortable financial future.

Chloe Bradley’s Reflection on RBS Equity Release

I am Chloe Bradley from York, and my experience with the RBS Equity Release has been nothing short of transformative. The online calculator was a pivotal tool in my decision-making process, allowing me to gauge the loan to value ratio with ease and transparency. What truly sealed the deal for me were the low interest rates, coupled with no fees and a complimentary free valuation. These terms provided a sense of financial security and freedom, which I had been seeking. Reading through the positive testimonials on Google Reviews, Trustpilot, and gave me the final nudge to proceed with RBS, knowing I was making a well-informed choice.

Sonny Butcher’s Experience with RBS Lifetime Mortgage

My name is Sonny Butcher from Leicester, and opting for the RBS Lifetime Mortgage was a decision made after careful consideration and extensive research. The standout feature for me was the option for no monthly repayments, which aligned perfectly with my financial planning for retirement. The calculator provided on RBS’s website was an invaluable asset, offering clarity on the low interest rates and the loan to value ratio I could expect. Moreover, the absence of any upfront fees and the offer of a free valuation underscored RBS’s commitment to providing a customer-centric service. The wealth of positive feedback on renowned review platforms further affirmed my confidence in their offerings.

Mohammed Davis Discusses RBS Pensioner Mortgage

I am Mohammed Davis from Preston, and my journey to find a suitable RBS Pensioner Mortgage was guided by the desire to secure a financially stable future. The attractive low interest rates and the clear absence of any fees were key factors in my decision. Utilizing the online calculator, I was able to understand the specifics of the loan to value ratio, which was instrumental in planning my financial outlook. The straightforward process, highlighted by the offer of a free valuation, made RBS stand out as a lender that truly understands the needs of its older clientele. The positive reviews across Google Reviews, Trustpilot, and resonated with my own positive experience, making me glad to have chosen RBS for my mortgage needs.

Ronnie Pope’s Review of RBS Retirement Mortgage

As Ronnie Pope from London, entering into a RBS Retirement Mortgage was a step towards securing my financial independence during retirement. The absence of no monthly repayments was particularly appealing, offering me the flexibility I sought in my financial arrangements. The low interest rates, combined with no fees and a free valuation, presented a package that was both attractive and practical. The calculator tool on RBS’s website proved to be a critical resource in understanding the terms and potential benefits. The plethora of positive reviews on Google Reviews, Trustpilot, and served as a testament to the reliability and customer satisfaction associated with RBS, reinforcing my decision to trust them with my retirement mortgage needs.