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First Time Buyers


We're here to help when it comes to buying your first home

Royal Bank mortgages are available for over 18s

How much could I borrow?

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

    

Getting started is easy...

   

Find out how much you could borrow

Borrowing Calculator

Before you start looking for a house, you need to know how much you can borrrow.

We'll look at your income and outgoings and give you an idea of how much we could lend to you.

Take a look at our rates and deals

Mortgage Rate Finder

Find out what your repayments are likely to be and whether there are any additional fees or repayment charges.

Once you've taken a look at our rates, you can get an indication of whether we can lend the amount you need with a no obligation Agreement in Principle.

How to apply for a Royal Bank mortgage

How to apply

You can apply in branch, over the phone or online. Take a look at the options and find out what's best for you.

Find out more and choose your preferred level of service.

Useful gides for first time buyers...

Getting prepared

Get prepared to apply

It's a good idea to get organised before you apply for a mortgage. There are few things you can do to help make the whole process smoother and help improve your chance of being approved.

   

Mortgage types

RBS mortgage types

Get a feel for the different types of mortgages available with RBS. Here we explain the features and benefits of fixed rate, tracker rate and offset mortgages to allow you to gain an understanding of what's available.

   

Mortgage process

Mortgage process guide

Knowing where to start in a maze of mortgages can be daunting. Our end-to-end guide walks you through the home buying process from initial thoughts right through to the day you receive the key to your home.

   

Help to Buy: 5% Deposit Mortgages

We’re supporting the Government's Help to Buy: mortgage guarantee scheme which will open up more mortgages for people with small deposits. This means you could buy your home sooner.

Specific criteria applies. Read through our guide, review our frequently asked questions and gain an understanding of how the scheme works. 

Find out more about Help to Buy

Ways to apply

Applying for a Royal Bank mortgage

You can choose to apply for your mortgage by phone, in branch or online. However, if you're looking to borrow into retirement or consolidate debt as part of your application then you can only do so by phone or in branch.

Phone

Telephone mortgage team member providing support to first remortgage customers.

Talk to one of our qualified mortgage advisers over the telephone 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.

Branch

Meet with one of our qualified mortgage advisers at your local 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.

Online

Online mortgage application

If you are confident in choosing the right mortgage and are happy to take responsbility 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.

Apply by phone
with advice

How can we help?

Call us

Call 

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


Customers with hearing and speech impairments can contact us by using

Minicom number 0800 056 6587

Apply in branch
with advice

How can we help?

Call us

Call 

Opening hours: 
Mon-Fri 8am-8pm, Sat 9am-4pm.
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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Mortgage FAQs

Can't find what you're looking for? Search our mortgage questions....

Protecting your money

We are a member of the Financial Services Compensation Scheme (FSCS). The Scheme can pay compensation to customers if they are eligible and the Bank is unable to pay claims against it. Compensation limits for Mortgage advice and arranging (for business conducted on or after 31 October 2004) - maximum £50,000 i.e. 100% of first £50,000 per person. Further information is available here  ( 650K PDF) or visit www.fscs.org.uk.

   

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