First time buyers

Buying your
first home

Here to help you make the big move

Find out what we could offer you

Step 1
  • Our Agreement in Principle provides a personalised indication of how much you could borrow
  • Will not impact your credit score
  • Takes less than 10 minutes
  • Shows your estate agent that you are a serious buyer

Ready to apply for your new mortgage?

Step 2
  • Apply online today, or contact us if you'd like support
  • Save progress and come back whenever you like
  • Upload, submit and sign all of your documents online

Or use our calculator to find out how much you could borrow

Get a rough idea of how much we might be able to lend you, see our rates, the monthly payments and find out about any fees involved.

You could buy your first home with just a 5% deposit

With our new range of 95% mortgages, you could be buying your first home sooner than you imagined.

Exclusions & eligibility criteria apply. Supported by the UK Government's mortgage guarantee scheme.

Land and Buildings Transaction Tax (LBTT) Discount ends 30th September

Why choose Royal Bank?

  • Qualified mortgage professionals available to help answer any questions and guide you through the process, if required
  • No fees on selected mortgages
  • £500 Cashback on selected mortgages (criteria applies)
  • Submit your documentation online with our paperless mortgage application
  • Discounted mortgage rates when purchasing an energy efficient home (with a valid Energy Performance Certificate rating of A or B) with a Green Mortgage. Available on select products. Product fees may apply.

Here's what you need to know...

It's an exciting time but it can also be quite stressful. Don't worry, we can give you as much help and advice as you need. 

Find out more about the home buying process, what to expect and get a few tips to help you make the big move.

5 chances to win £5,000 Cash

Enter our free prize draw using the online entry form for a chance to win one of our 5 prizes of £5,000 in cash.

Closing date 17th January 2022. One entry per person. Five prizes available – one prize per winner. UK residents & over 18s only. Excludes Northern Ireland.

Terms and conditions apply

Need some help or want to speak to a mortgage professional?

Call us

Something else we can help you with?