First Time Buyer Mortgages | Royal Bank of Scotland


First Time Buyer Mortgages

We're committed to helping first time home buyers with our low deposit mortgages

Royal Bank mortgages are available for over 18s

Your home may be repossessed if you do not
keep up repayments on your mortgage


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First time buyers get £500 cash back

Take out a first time buyer exclusive mortgage with Royal Bank and get £500 cashback, paid to your conveyancer on the day of drawdown of the mortgage. It's as simple as that.

Available on first time buyer exclusive products only. Max LTV 90%. Offer can be changed or withdrawn at any time. Early repayment charges may apply. 

Find out more

Steps to buying your first home...

1. Explore your options

So you're looking at getting your own place? Exciting!

Find out how much you could borrow and take a look at our mortgage range with our Mortgage Explorer tool.

It's everything you need to get started, all in one place.

2. Search for a property

Maybe you’ve got your eye on a specific home or area?

An online mortgage Agreement in Principle puts you in an ideal position to begin bidding for properties with confidence.

We ask for some details on your income and outgoings and in return we’ll give an indicative decision on whether we can lend the amount you need.



3. Choose how you wish to apply

So you've got an Agreement in Principle? Great. You can now choose how you wish to apply for a first time buyer mortgage...



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In Branch or by Phone

Talk to one of our qualified mortgage advisers over the telephone or in branch and receive advice in relation to your application.

We'll review your financial situation, assess your needs and recommend a Royal Bank mortgage we believe to be suitable for you.

Call us to book an appointment
Call us, or we can call you...
Or arrange a free call back

Opening hours: 
Mon-Fri 8am-8pm, Sat 9am-4pm, Sun 10am-2pm.
Excluding public holidays.
Calls may be recorded.

Customers with hearing and speech impairments can contact us by using

Minicom number 0800 056 6587


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If you are confident in choosing the right mortgage and are happy to take responsibility for your choice of mortgage without any advice, you can apply online today.

You will not benefit from the protection of us assessing the suitability of your mortgage for you and therefore if your choice turns out to be inappropriate, we will not offer you compensation.

Please note you cannot apply for a Help to Buy mortgage online.

Apply online today



Ready to get started?
Mortgage Explorer

We are a member of the Financial Services Compensation Scheme (FSCS). Further information is available here (650k PDF) or visit

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