Buying your first home
Royal Bank of Scotland mortgages are available to over 18s. Your home may be repossessed if you do not keep up repayments on your mortgage.
Here to help you make the big move
Step 1: Find out what we could offer you
- Get a personalised indication of how much you could borrow in less than 10 minutes.
- It won't impact your credit score.
Step 2: Ready to apply for your new mortgage?
- Apply online today or contact us if you'd like support.
- Save progress and come back whenever you like.
Or use our calculator to find out how much you could borrow
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.
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
- £150-£1000 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.
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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 12th September 2022. One entry per person. Five prizes available – one prize per winner. UK residents & over 18s only. Excludes Northern Ireland.