Help to Buy (Scotland)

Help to Buy allows you to purchase a brand new home in Scotland with just 5% deposit and an affordable mortgage, with assistance 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 Help to Buy, 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%


Download our guide for full details:

Download guide


To be eligible for Help to Buy, 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) 

Available at the following locations