Net income climbed to 3.75 billion pounds ($7.42 billion) or 38.4 pence a share based on full-year figures released by the Edinburgh-based company today. The acquisition of ABN Amro Holding NV pushed up RBS's credit-related writedowns by 900 million pounds to 2.5 billion pounds. For months now, you have been looking at houses and brochures and you have finally found it - the house that's just right. So now, you're feeling anxious to buy your new home, move in, and get settled. But this is not where your search ends. You still have one more important task to do and that is getting a home mortgage.