First Time Buyer Mortgages | Royal Bank of Scotland

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First Time Buyer Mortgages

Get on the ladder with our range of low deposit and cashback mortgages.

Royal Bank mortgages are available for over 18s

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

Getting started with buying your first home

 

Compare rates and monthly repayments

See our first time buyer mortgage rates, including 5% deposit and cashback mortgages, and compare monthly repayments and deals.

Find out how much you could borrow

If you have your eye on a property, an Agreement in Principle puts you in an ideal place to begin searching for your first home with confidence.

Easily compare mortgage rates and deals

Get an indication of the monthly repayment

Search our mortgages

A personalised indication of how much you could borrow

No impact on your credit file

Get an Agreement in Principle

First time buyer offers and schemes

 

Help to Buy: Mortgage Guarantee

The Government’s affordable housing schemes can help first time buyers get a foot on the property ladder.

See full details on the schemes available and view our frequently asked questions.

More on Help to Buy

 

 

Cashback Mortgages

Take out a first time buyer mortgage with us and get £500 cashback, paid to your solicitor on the day of drawdown of the mortgage.

Offer can be changed or withdrawn at any time. Early repayment charges may apply. Max LTV 90%.

About cashback mortgages

 

 

How to apply

 

In branch

Meet with a qualified mortgage adviser at your local branch and get advice on which mortgage is best for you.

You’ll need to make an appointment in advance by giving us a call or popping in to branch.

Your appointment will take around 2 hours.

Apply in branch

Applying in branch

Give us a call to book an appointment with a branch mortgage adviser, or find your local branch.

Call 


Opening hours: Mon-Fri 8am-8pm, Sat-Sun 9am-4pm. Excluding public holidays. Calls may be recorded. Minicom 0800 096 9257

Top tip

Before calling us, it may be useful to find out how much we could lend with an online Agreement in Principle

By phone

Talk with a member of our mortgage team over the telephone.

We’ll talk you through the process and arrange a phone appointment with a qualified mortgage adviser.

Your appointment will take around 2 hours.

Apply by phone

Applying by phone

Give us a call to book an appointment with a mortgage adviser over the phone.

Call 
Or arrange a free call back


Opening hours: Mon-Fri 8am-8pm, Sat-Sun 9am-4pm. Excluding public holidays. Calls may be recorded. Minicom 0800 096 9257

Top tip

Before calling us, it may be useful to find out how much we could lend with an online Agreement in Principle

Online

Apply online if you are comfortable in choosing a mortgage without advice from us.

You won’t benefit from the protection provided by our advised service.

You cannot apply for a Help to Buy, Right to Buy or Shared Equity mortgage online.

Apply online

We're here to help

If you have any questions about getting a mortgage with us, please get in touch. You can chat online or by phone, or visit your local branch.

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