95 percent mortgages | Royal Bank of Scotland

Helping you buy your own home with as little as a 5% deposit

95% mortgages

Helping you buy your own home
with as little as a 5% deposit

Royal Bank mortgages are available for over 18s

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

What are 95% mortgages?


✔ A 95% mortgage allows you to borrow up to 95% of the value of the property you wish to purchase.


✔ This means you could get your new home sooner than you think, with a deposit of at least 5% but less than 10%.


Am I eligible?

95% mortgages are available for customers purchasing a residential property.


They are available to first time home buyers as well as those moving home or buying a second residential property.


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


Is my property eligible?

The property you’re purchasing should be worth less than £600,000.


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.

Tools to get you started

You can apply for a 95% mortgage by phone or in branch.  You cannot apply online, however our online tools are great to get you started.

Compare our mortgages and monthly repayments

See our range of low deposit mortgage rates, including our 95% deals, and compare monthly repayments and costs.

Get an online Agreement in Principle

If you have your eye on a property, an Agreement in Principle puts you in an ideal place to begin searching for your new 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

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.

Set Tab for lightbox