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.
Stamp Duty holiday ends 30th June 2021
Make sure you allow enough time to complete your home purchase by 30th of June to take advantage of the Stamp Duty holiday.
Different factors can influence whether you can complete your mortgage by the deadline. Local Authorities may require additional time to complete personal searches. Local authority turn around times (England and Wales only).
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
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
Already applied for a mortgage and need your offer extended?
If you’ve had a mortgage offer with us approved and can’t complete within the agreed timescale, we’re here to help. You can apply to extend your mortgage offer by 1 month to give you extra time to complete buying your new property or re-mortgaging your existing property. Find out more
By requesting an extension to your mortgage offer you are acting on behalf of all parties named on the mortgage.
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.