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The Royal Bank of Scotland (RBS) has a history dating all the way back to 1695, making it Scotland’s oldest bank by a wide margin. Now part of the Lloyds Banking Group, RBS supports millions of private customers, businesses and communities across the UK.

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  • Compare RBS Secured Loans
  • Remortgage Your Home







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  • Compare RBS Mortgages
  • Bridging Loan Comparison
  • Best Rates for Finance
  • Property Development Finance
  • Whole Of Market Broker
  • Compare RBS Secured Loans
  • Remortgage Your Home

Secured Loans at RBS

Royal Bank of Scotland (RBS) offers an extensive portfolio of lending products for existing and new customers alike. RBS secured loans are currently available for existing mortgage customers only, looking to extend the value of their mortgage to cover additional costs.

Primary features and functions of RBS secured loans are as follows:

Secured loans for business purposes may also be provided by RBS, upon consideration by a dedicated business banking team. In all instances, interest rates and overall borrowing costs vary significantly.

Secured Loans Simplified

Here at Donkey Finance, we go the extra mile to simplify all aspects of secured loan applications for our customers. Unlike RBS secured loans, our loan products are open to applicants across the UK with none of the usual exclusions. What’s more, our secured loans can be used for absolutely any domestic or business purpose whatsoever.

We work closely with a network of specialist secured loan providers across the UK. This enables us to access exclusive deals you will not find on the High Street. What’s more, no credit checks are required and you will not be asked to provide proof of your financial status. Just as long as you can cover the cost of the loan with the required collateral, you’re almost guaranteed to qualify. Call the team at Donkey Finance for a smoother, simpler secured loan application process!

Prompt Pay-Outs

Unlike most major lenders, we understand the importance of getting your hands on your funds as quickly as possible. With Donkey Finance, you could be looking at the full completion of the loan transaction in a matter of days. Ideal when you’re looking to cover unexpected costs and address urgent expenses.

Use our exclusive online loan calculator for an instant overview of the options available. When you’re ready to go ahead, contact the team at Donkey Finance and we’ll get started comparing the market on your behalf. We’ll do whatever it takes to eliminate as many borrowing costs as possible, providing access to deals and discounts you won’t find elsewhere. Call today, or drop us an e-mail with details of your requirements.

Homeowner Loans from Bank of Scotland (RBS)

A homeowner loan is only offered to people that have a mortgage. This type of borrowing is often referred to as a secured loan since the debt is secured. With a homeowner loan, your property may be repossessed if repayments are defaulted on. This reduces the risk to the lender, which results in preferential interest rates, although this presents a significant risk to the borrower.

How Much Can I Borrow?

The amount you can borrow can vary between lenders, however, most homeowner loans tend to be worth anywhere from £25k to £250,000. Secured loan providers feel much more confident in approving loans to those who are prepared to offer security

Because of the large amount of credit associated with a homeowner loan, repayments can be spread from 10 to 25 years. These terms can mean that borrowers often benefit from low-interest rates, although be mindful that more interest will be paid overall where longer terms are requested.

How Long Do I Have to Repay My Homeowner Loan?

Because of the large amount of credit associated with a homeowner loan, repayments can be spread from 10 to 25 years. These terms can mean that borrowers often benefit from low-interest rates, although be mindful that more interest will be paid overall where longer terms are requested.

Can a Homeowner Loan Be Repaid Early?

The opportunity to pay back a homeowner loan early is often available to the borrower, but doing so might incur an early settlement charge. This will be added to the balance when a settlement figure has been requested.

Career Development Loans from Bank of Scotland (RBS)

RBS Professional and career development loans are bank loans that are used to pay for courses that help with your career or help get you into work. In general, these loans tend to be offered at reduced rates of interest and the government pays the interest whilst you are undertaking your chosen educational course.

You may be eligible to apply if you meet the following criteria:

  • You are a British Citizen who has been resident in the UK for 3 years or more.
  • Aged 18 years or more.
  • You intend to work in the EU or UK once your course has been successfully completed.

For the course itself to qualify, the following must be true:

  • The course must last for 2 years (or 3 years with 1 year of work experience).
  • It must help you advance in your chosen career path.
  • The organisation providing the course must appear on the Professional Career and Development Loan Register.

Professional and Career Development Loans cannot be used for a first full-time degree. You may, however, apply for student finance if this is the case.

Repayments and Rates of Interest

Professional and Career Development Loans are bank loans that have to be paid back. You begin paying off a professional and career development loan, plus interest, a month after your course has finished. The government pays interest while you study and for the first month after you leave your course. After this time, you start repaying the loan.

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How To Apply

While many of the financial products and services provided by RBS can be applied for online, others require in-person meetings or telephone consultations. In any case, we can help you pinpoint and apply for the perfect product for your needs. Give a member of our customer support team a call today, or send us an email with an outline of your loan requirements.

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