how to send money to Phillipines

[imagine]

what would you guys recomend best in my case,
my situation,
my bank, royal bank scotland, is my mortgage credit card and savings
i will be renting my house, recieving approx £500 to£550 per month, a minimum of about £350 per month to transfer to me in phil ,from april,
is it best to change banks to suchlike as hsbc, complete with mortgage or,,,,, split banks keep mortgage with rbs, transfer what i need to hsbc or other recomended bank or transfer servie, this all seems confusing

[Farmerg]

I have just checked PayPal.
They want 3.9% of the amount sent plus £0.20 for currency conversion.
They show an example of £100 costing £4.10 to send.