Find out how to buy your first home with RBS
Royal Bank of Scotland mortgages are available to over 18s. Your home may be repossessed if you do not keep up repayments on your mortgage.
Your steps to applying for a first time buyer mortgage
Get an indicative decision
You’ll need to get an Agreement in Principle to see if we think we may be able to lend you the amount you require.
This isn’t a firm decision, but it’s the most accurate result we can give you without performing a credit check. It won't take long and it won’t affect your credit score.
Continue and complete your application
Once you have your Agreement in Principle in place, you can meet one of our mortgage advisers at a branch, or talk with a member of our mortgage team over the phone. Request a callback to arrange this.
Alternatively, if you get an Agreement in Principle, you can select the mortgage you wish to apply for and continue your application online.
Before you apply
What you need OpenClose
Credit checks OpenClose
Get started on your application
Applying for your first mortgage should be quick and easy. The first step is to apply for an Agreement in Principle. You can do that online or, if you prefer, you can do it over the phone with our mortgage team.