RBS (Royal Bank of Scotland)

Modern day RBS and its brands consist of many hundreds of banks from the past, from varying backgrounds, sizes, cities, and countries. They grew to serve the greater needs required from banks of the unique communities that make up the United Kingdom. Each has played a part in forming part of what makes RBS what it is today. RBS or Royal Bank of Scotland was first established in 1727 Edinburgh and went from strength to strength to become one of Scotland's biggest banking institutions.

Interestingly, several of the brands that make up RBS are actually a lot older than the RBS itself and were established by goldsmiths based in London who were the first bankers in Britain, including Child & Co., Coutts and Drummonds. NatWest is also a part of RBS and in its own right, although fairly new having been set up in 1970, has become a successful banking brand.  RBS are highly regarded in the banking world and have won countless awards across the board, from winning for diversity to their loans and mortgage products.

They offer:

• First time buyer 95% mortgages that help customers to secure a home by borrowing as much as 95% of the property value and putting down a deposit less than 10% of the value but a minimum of 5%.
• First time buyer 95% mortgages are available on property with a value of less than £600,000, that is a new build
• Buy to Let mortgage products available on property with a value of at least £50,000 or more.
• Buy to Let mortgages for a fixed term of 3 years and at least £25,000 minimum.
• Buy to let mortgages with at least 25% and 35% deposits, depending on whether you are looking to purchase new build houses or flats.