First time buyer

Find out how to buy your first home with RBS

Your steps to applying for a first time buyer mortgage

  1. 1

    Compare our mortgage rates

    Enter a few details into our mortgage rate calculator and we’ll show you all the mortgages that could be right for you, based on what you've told us.


  2. 2

    Get an indicative decision

    You’ll need to get an Agreement in Principle to find out if you can borrow the amount that you require.

    This isn't a firm decision, but it's the most accurate result that you can get without performing a full credit check. It won't take long and won't affect your credit score.


  3. 3

    Continue and complete your application

    Once you have your Agreement in Principle in place, you can complete your application over the phone or by video appointment with a member of our mortgage team.

    Alternatively, if you get an Agreement in Principle, you can select the mortgage you wish to apply for and continue your application online.

Before you apply

What you need

It will help if you have the following documents handy

Three months' worth of payslips and bank statements to work out your income, plus any loan agreements to work out your monthly expenses.


What you need to know

We don’t currently offer mortgages for multi-party (three or more applicants), guarantor, Help to Buy, Right to Buy, or shared equity mortgages. All of our mortgages for first time buyers are on a capital and interest basis only.

Credit checks

About soft and full credit checks

When you apply for an Agreement in Principle, we'll need to do a “soft credit check”. But don’t worry, this won’t affect your credit score. If you go on to apply for a mortgage, we'll do a full credit check, which will show up on your credit file.

Choose how you want to apply

Apply Online with NatWest

If you're confident in choosing the right mortgage without any advice, you can apply online. You need to be aware that you will be responsible for the mortgage that you choose.

Please note: If you have already started to apply online with Royal Bank, you will need to restart your mortgage journey with NatWest.

Already started your NatWest mortgage application? Pick up where you left off

Apply over the phone

Already have a Royal Bank of Scotland mortgage?

If you're already a Royal Bank of Scotland mortgage customer, you won't need to resubmit paperwork, such as evidence of income, unless your circumstances have changed.

Log in to Manage Your Mortgage, see what offers are available and apply online.

All you need are your mortgage account number, name, date of birth and your postcode.