Moving to a new home
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.
Why choose Royal Bank?
You can upload, sign and see all your documents online with our paperless online application
Track and manage your application online
No product fee on selected mortgages
Already started? Sign in and pick up where you left off
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).
You could buy your next home with just a 5% deposit
With our new range of 95% mortgages, you could be buying your new home sooner than you imagined.
Exclusions & eligibility criteria apply. Supported by the UK Government's mortgage guarantee scheme.
Could you save money with a new greener home?
Buy an energy efficient home and you could save money on your monthly mortgage payments.
Go green for discounted mortgage rates.
Royal Bank Green Mortgages are available to over 18s purchasing a home with a valid Energy Performance Certificate (EPC) rating of A or B. Available on selected products. Product fees may apply. Your home may be repossessed if you do not keep up repayments on your mortgage.
Already have a mortgage with us? Your mortgage could move with you
Most of our mortgages can be moved to your new home, avoiding early repayment fees if you're still on a deal. This is called 'porting'...move home more easily with us
How to move home with us
How much could I borrow?
What is an Agreement in Principle?
Ready to apply?
If you're ready to apply, we're here to help try to make the process as easy as possible. You can always talk to someone if you need to.
Home mover guides
Mortgage offers and schemes
Borrow up to 95% of your home's value
A 95% mortgage allows you to borrow up to 95% of the total cost of your property.
You'll need a deposit of 5% or more, but less than 10%. The property you're buying needs to be worth less than £600,000.
Get cashback with your mortgage
Get a cashback mortgage with us and we'll give you £250 cashback on your legal fees the day you draw down your mortgage.
This offer is only available on selected mortgages marked with 'cashback', and we can change or withdraw it any time. Early repayment charges might apply and there's a maximum Loan to Value of 90%.