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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?

Helpful tools

Tools to help you plan

Search our mortgage rates, work out how much you can borrow and how future rate changes could affect your repayments.

Use our Offset flexible mortgage calculator to see how much less you could be paying each month if you set your savings against your mortgage. 

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

We make it easier for you to buy your first home

Getting started

It's an exciting time buying your first home. But it can be hard to know where to start when it comes to the important decisions such as choosing the right mortgage.

We have calculators to help you plan and short guides to lead you through every step...

Read our step by step guide to home buying Read our step by step guide to the mortgage application process

Search our mortgage rates

What kind of mortgage are you looking for?

Find the right mortgage for you, first time. If you've found a house you want to buy, choose a suitable mortgage from our wide range and work out monthly repayments. 

Mortgage Calculator

Helpful tools

Tools to help you plan

Search our mortgage rates, work out how much you can borrow and how future rate changes could affect your repayments.

Our monthly budget calculator also helps you to trim your spending and start saving for your new home.

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Home Insurance

Are you covered?

Once you exchange contracts, your lender will insist that there is adequate buildings insurance cover in place and it is advisable to also take out contents insurance. This can be arranged to start at a date in the future, so that it's one less thing to think about.

Go to our Home Insurance section

Frequently asked questions

What other people are asking us

Any other questions?

View all Common Questions?

Helpful banking

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.

First time buyers

How can we help?

Mortgage rate finder
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