RBS- First Active Part-2 Policy Changes

latest requirements changes by RBS- First Active

The Royal Bank of Scotland (RBS) handbook activity (England and Wales)

477

published changes

06/11/2008

monitored since

10/11/2026

last checked

134280

handbook checks

18 in the last 24 months, from Dec 2024 to Nov 2026.

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10/11/2026

RBS now accepts electronic signatures in England and Wales, changing its answers from No to Yes for Qualified Electronic Signatures and Conveyancer Certified Electronic Signatures that comply with HM Land Registry requirements. Conveyancers must not amend the deed template and should use the QES/CCES version of the deed on the lender's conveyancer website.
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22/10/2026

RBS changed its England and Wales Offset Flexible Mortgage answers so that re-inspection, certificate of title and returned-advance contacts are now given on the letter of instruction, and dropped the telephone and fax numbers from the Securities Team contacts. Non-assured tenancies no longer need a three-year maximum term and break clause, but must be legally valid and must not materially prejudice the bank's ability to enforce its security.
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29/06/2026

RBS now answers No on accepting digital or electronic signatures in England and Wales (3.1.6, 3.2.6, 11.2.1), and its standard deduction from the advance is now None instead of a CHAPS fee. References to an Assured Shorthold Tenancy again read Assured Tenancy in 5.14.9, 6.6.3 and 16.4.2.
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26/05/2026

RBS now refers to an Assured Tenancy rather than an Assured Shorthold Tenancy in its England and Wales answers on ground rent (5.14.9), sending tenancy agreements (6.6.3) and sending a copy of the proposed tenancy (16.4.2). The rest of the update is punctuation only.
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