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help to buy Scotland

Help to Buy (Scotland)

Buy now with just 5% deposit

Help to Buy allows you to purchase a brand new home with just 5% deposit and an affordable mortgage through help from the Scottish Government.

Help to Buy gives you the chance to buy a new home with the assistance of an equity stake. The value of the stake is a maximum of 15% of the full price of the property. The maximum full purchase price is set at £200,000. Help to Buy is open to all buyers including existing home owners and first time buyers.

Under the scheme the government provides an equity stake as follows:

  • The Scottish Government provides an equity stake of up to 15%
  • You arrange a mortgage for up to 80%
  • Meaning your deposit is just 5%

help to buy Scotland

Are you eligible for Help to Buy?

To be eligible for a Help to Buy property, you should:
  • Be a home buyer looking to buy a new build home
  • Be able to demonstrate access to savings or funds to pay a deposit of 5% plus usual cost of moving home which includes legal fees and stamp duty
  • Have a good credit history
  • Take out a mortgage with a qualified lender (e.g. a bank or building society) 

Independent financial advice

Financing your new home can be exhausting – contacting endless mortgage lenders, not sure where to start, let us help.

More info        

Available at the following locations:

Terms and conditions apply

Help to Buy (Scotland) is only available on selected homes at selected developments in Scotland up to a value of £200,000. Eligible applicants will be offered an equity stake of up to a maximum of 15% of the full market price. The Scottish Government will hold the second charge on the property. Applicants are required to fund at least 85% of the purchase price by means of a mortgage and any deposit where required. There is no fee charged on the equity stake component. The equity stake is provided by the Homes and Communities Agency and developer as a second charge. Your home may be repossessed if you do not keep up your repayments on your mortgage. Help to Buy is not available for part-exchange or buy-to-let.

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