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RSG UA review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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Our verdict

RSG UA is a Ukrainian mortgage lender for buyers and homeowners with equity to borrow against. Its initial rate of 18% comes with an annual percentage rate of 36.37% to 46.62%, the figure that decides what the loan really costs over its life.

Key facts

Best for
Ukrainian buyers and remortgagers with a deposit who want the property to carry the risk.
Initial rate
18%↗
APRC
36.37% to 46.62%↗
Fixed period
0.17 to 5 years↗
Maximum loan to value
81%↗
Purpose
Purchase, Remortgage, Home-equity↗
Legal entity
TOV Geleksi Finans↗
Headquarters
Ukraine↗
Founded
2018↗
Support channels
Phone, Email, Chat, Help-centre↗
Official website
rsg.ua

Facts checked September 26, 2026, 2 sources

Apps and profiles

Elsewhere
instagram.comyoutube.com

Pros and cons

Pros

  • Buying, remortgaging and home equity lending all sit with the same lender, as purchase, remortgage and home equity shows.
  • Support runs on phone, email and chat, covering phone, email, chat and a help centre.
  • The loan is secured on the property, with a maximum loan to value of 81%.

Cons

  • An annual percentage rate of 36.37% to 46.62% sits well above the 4.91% typical of the listed mortgages.
  • The initial rate ranks 304 of 316 brands on the same measure, so the headline number is high for the field.
  • Founded in 2018, the lender has a shorter record than longer established rivals.
RSG UA

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Scored 8.3 / 10 by SumCue.

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Who it suits

  • Ukrainian buyers and sellers who want a loan secured on a property they already hold.
  • Remortgagers and home equity borrowers who want one lender across several needs.
  • Applicants who read cost of borrowing first and the advertised rate second.

Who should look elsewhere

  • Shoppers drawn to a low opening rate, since Sofkredit quotes 8% to 14% where RSG UA starts at 18%.
  • Borrowers after a very low starting rate, because Creditilia ES lists 4%.
  • Anyone wanting a longer fixed stretch, since Prestalo's 2.36% comes with a different shape of deal.

Safety of your money

RSG UA is listed with the National Bank of Ukraine under 21/625-rk, and with Natskomfinposluh, the National Financial Services Commission, under 1790. It also appears in the National Bank of Ukraine's State Register of Financial Institutions with FC 1102. Both registrations sit with Ukrainian regulators, so oversight is domestic rather than cross-border.

Who runs it

RSG UA operates in Ukraine, with UA given as its home market and 2018 as its founding year. The contracting entity is TOV Geleksi Finans, which also appears in the State Register of Financial Institutions under FC 1102. Customers are reached by phone, email and chat, so phone, email, chat and a help centre are all in place.

How RSG UA compares

Where RSG UA is available

Available
Ukraine
Licence in Ukraine
National Bank of Ukraine (21/625-rk), checked September 26, 2026
Licence in Ukraine
Natskomfinposluh (National Financial Services Commission) (1790), checked September 26, 2026
Licence in Ukraine
National Bank of Ukraine (State Register of Financial Institutions, registration certificate) (FC 1102), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What initial rate does RSG UA advertise?+

RSG UA advertises an initial rate of 18% on its property backed lending. On the same measure the offer ranks 304 of 316 brands, so the advertised rate is high for the field rather than low.

What does the loan cost once fees are counted?+

The annual percentage rate runs 36.37% to 46.62%, which is the figure to weigh against cheaper lenders. The typical rate across the wider listing is 4.91%, so the gap between the advertised rate and the real cost is worth checking before applying.

How long does the rate stay fixed?+

Fixed periods run 0.17 to 5, so a shorter or longer fixed stretch is available depending on the deal. The typical fixed period in this listing is 10, and the top of the RSG UA range sits well under that.

How much can I borrow against a property?+

The maximum loan to value is 81%, which means a sizeable deposit is needed to start. The typical ceiling among listed lenders is 90%, so RSG UA lends a smaller share of the property than most of the field.

What can I use the money for?+

The stated purposes are purchase, remortgage and home equity lending. That gives a borrower at least two reasons to stay with the same lender, whether they are moving house or borrowing against a property they already hold.

Is RSG UA regulated?+

Yes. It is registered with the National Bank of Ukraine under 21/625-rk and with Natskomfinposluh, the National Financial Services Commission, under 1790. Its State Register entry is FC 1102.

How do I reach someone for help?+

Support runs on phone, email and chat, covering phone, email, chat and a help centre. Phone is the most common route among lenders at 87.1%, and RSG UA covers the usual ground for a secured lender.

Who am I actually contracting with?+

The lender trades as RSG UA and contracts as TOV Geleksi Finans, a Ukrainian company founded in 2018. Its home market is UA, and both the licence and the State Register registration sit in that market.

Sources

  • rsg.ua/ua/about checked September 26, 2026

    Backs: Founded, Headquarters, Legal entity

    “2018 - registration of the Royal Standard Group trademark; registration of the financial company TOV GELEKSI FINANS”

  • rsg.ua/ua/kredyt-pid-zastavu-nerukhomosti checked September 26, 2026

    Backs: APRC, Fixed period, Initial rate, Maximum loan to value, Purpose, Support channels, Licences

    “Real annual interest rate, percent per year (calculated with the XIRR function): 36.37% (30% rate, 12 months) and 46.62% (36% rate, 24 months)”

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

RSG UA

RSG UA

Ukrainian buyers and remortgagers with a deposit who want the property to carry the risk.

8.3/10See alternatives