Help to Buy Mortgages | Royal Bank of Scotland


Help to Buy
5% deposit mortgages

All you need to know about the Help to Buy: Mortgage Guarantee scheme

Available for over 18s

Your home may be repossessed if you do
not keep up repayments on your mortgage
Am I eligible for Help to Buy?

The following eligibility criteria applies for Help to Buy mortgage applications:


The property must not be a new build home. A new build is defined as any property built, first occupied in it’s current state or significantly modernised, refurbished or altered within the last 2 years

You will be planning to live in your house and not rent it out i.e. it will be your main residence

You cannot own any other property, in full or in part

The property you want to buy must be in the UK

You and any joint applicant must be over 18

The purchase price or valuation must be no more than £600,000

You have a deposit of at least 5% but less than 10%

The mortgage must be taken out on a capital and interest repayment basis (i.e. it can’t be interest only)

The mortgage must be to buy your only property so you cannot use it to buy a second or further home

The mortgage cannot be for a shared equity or shared ownership purchase You and any joint applicant are able to meet our affordability criteria

The scheme is available to existing homeowners and first time buyers

You and any joint applicant are able to meet our underwriting criteria such as an acceptable valuation and being able to provide proof of income etc


You cannot apply for a Help to Buy mortgage if you do not meet the above criteria. However, we may still have a first time buyer mortgage available to suit your needs. Visit our First Time Buyer page for more information.

Searching for a property?

An online Agreement in Principle puts you in an ideal position to make offers on properties with confidence.

Get an indication of how much we could lend to you in just 5 minutes

A personalised view of the mortgage deals available to apply for

A soft credit check, so no affect on your credit rating

Ready to apply?

You can apply for a Help to Buy mortgage by phone or in branch. You cannot apply online.

Before applying, it may be useful to get an online Agreement in Principle. This gives an indication of how much we can lend to you and the mortgage deals available.

Once your ready, our qualified advisers will assess your needs and recommend a Royal Bank mortgage we believe is 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

Support Guides | Help to Buy How does the scheme work?

Check out this handy video guide to discover how the scheme works. You can also see further information with our helpful infographic.


Help to Buy scheme overview video

Add your signposting title here… Frequently Asked Questions
Ready to get started?
Get an Agreement in Principle

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

Set Tab for lightbox