First Time Buyer | Royal Bank E & W


First Time Buyer Mortgages

Owning your first home means doing whatever you like. Our first time buyer mortgages mean you can be soaking in peace sooner.

It’s yours. Own it

Royal Bank of Scotland mortgages are available for over 18s only

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

95% Mortgages

Borrow up to 95% of the value of the property you wish to purchase, with a deposit of at least 5% but less than 10%.
The property you're purchasing should be worth less than £600,000 and not a new build property.


£500 Cashback

Max LTV 90% Cashback will be paid to your solicitor on drawdown of the mortgage. Offer can be changed /withdrawn at any time.
Early repayment charges may apply.


Cashback mortgages

Agreement in principle

Get an indication of how much you could borrow.  You can get an agreement in principle in 10 minutes using our online form.
Not available for 95% mortgages.



Book an appointment

Make an appointment with one of our personal mortgage advisors at you local branch. Enter your details using our online form and we will call you back to confirm your appointment time and location.                                               

Book an appointment

That special #moveinmoment

Find out how our personal mortgage advisers could help you get into your new home

Its Yours. Own it

The Royal Bank of Scotland plc, Registered in Scotland No 83026.

Registered Office: 36 St Andrew Square, Edinburgh EH2 2YB

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