A step-by-step guide to
applying for a mortgage

The four steps to apply for a mortgage with Royal Bank

  1. 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:





    Online mortgage application checklist


  2. 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.   

    Get an Agreement in Principle


  3. 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


  4. 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.

    Arrange a callback

    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.

    Apply online

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.

Moving home and taking your Royal Bank mortgage with you

Need some help?

Call us

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.

Something else we can help you with?