A step-by-step guide to applying for a mortgage
Royal Bank of Scotland mortgages are available to over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
The four steps to apply for a mortgage with Royal Bank
Check you have your supporting information ready
As part of the application process, we need to assess your current financial situation and will need proof of your income and personal details. Make sure you have proof of:
Get an Agreement in Principle
An Agreement in Principle will tell you how much we could lend you based on your income, property value, deposit amount and mortgage term.
It takes around 5 to 15 minutes online
It gives you a personalised lending indication
It has no affect on your credit score
It can be useful for viewing and making an offer on a property.
Pick a mortgage and get a mortgage illustration
After working out how much we could lend you, we'll give you a breakdown of your options and you can pick the mortgage that's right for you.
Your personalised mortgage illustration will outline your selected mortgage type, term, interest rates and any associated fees.
Choose how you'd like to apply
If you want free mortgage advice, you can apply for a mortgage with Royal Bank either in branch or by phone.
If you’d rather choose a mortgage yourself, you can apply for your mortgage online. However, you won’t benefit from the protection provided by our advised service.
Choose how you want to apply
You can complete your mortgage application online, at your own pace and in the comfort of your own home.
You need to be:
confident that you have been able to choose the right mortgage for your circumstances
happy to take responsibility for the mortgage you choose
As you’ll not be getting any advice from us, you won’t benefit from us assessing whether the mortgage is suitable for you. Therefore if your choice turns out to be unsuitable we won’t offer you any compensation.
Already Started? Pick up where you left off
Apply over the phone
Need additional support or advice to select the right mortgage product for your circumstances?
Make an appointment to speak to one of our mortgage professionals, over the phone or in a branch.
Our mortgage professionals will:
guide you through the mortgage process
help you to find the right mortgage
work out your monthly paments
complete your mortgage application
Call us on 0800 056 0567
Relay UK: 18001 0800 056 0567
Already have a Royal Bank of Scotland mortgage?
If you're already a Royal Bank of Scotland mortgage customer, you won't need to resubmit paperwork, such as evidence of income, unless your circumstances have changed.
Log in to Manage Your Mortgage, see what offers are available and apply online.
All you need are your mortgage account number, name, date of birth and your postcode.
Need some help?
Arrange a callback
Complete our quick form to arrange a callback at a time that suits you, including evenings and weekends.
This will allow you to arrange a phone or branch appointment with a qualified mortgage adviser.