First Time Buyers

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

RBS mortgages are available for over 18s

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

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

How can we help?

Call us


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 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.

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 www.fscs.org.uk

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