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.
What are you looking to do?
The four steps to apply for a mortgage with Royal Bank
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1
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:
Income
Employment
Outgoings
Address
Online mortgage application checklist
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2
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.
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3
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.
Learn about our mortgage types
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4
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.
Getting started today
Get your Agreement in Principle
An Agreement in Principle is based on basic information you tell us about yourself and is an indication that we could lend you the money you need.
It can be useful for property viewing and making an offer on a house.
We need to do a soft credit check to give you your Agreement in Principle, but it won’t affect your credit score.
It isn't a firm decision and it doesn’t guarantee you a mortgage – you’ll still need to go through a full affordability check and credit search.
Already have a Royal Bank mortgage?
If you're ready to switch your current mortgage to a different deal, or just want to have a look at what we have on offer, you can get started by logging into manage your mortgage.
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.