Help to Buy Scotland


The Help to Buy Scotland scheme is designed to help buyers purchase a new build property that they otherwise wouldn’t be able to afford.

The scheme was launched in October 2013 and is open to both first time buyers and existing homeowners. It is available for the purchase of new build properties from participating home builders.

What properties are included?

  • New build property from a participating home builder
  • Up to £400,000 in value
  • Located in Scotland

Who qualifies?

  • The scheme is open to first-time-buyers as well as home movers
  • The buyer must be able to contribute a deposit of at least 5% of the full purchase price
  • The mortgage and deposit combined must cover at least 80% of the full purchase price
  • The Scottish Government will provide an equity stake of up to 20% of the total purchase price

This means that with a 5% deposit, you will need to secure a mortgage for 75% of the total value of the property, and the Scottish Government will provide the remaining 20%.

How much deposit do I need?

The deposit you will need is dependent on the total value of the property you wish to purchase.

For example, a buyer looking to purchase a £200,000 property under the scheme will need:

Deposit 5% £10,000
Equiry Loan (provided by the government) 20% £40,000
Mortgage (secured from a commercial lender) 75% £150,000
Property Purchase Price £200,000

As with all loans, the affordability of this scheme is dependent on the individual. Benefits of the scheme are that it enables more people to take their first steps onto the property ladder by lowering the amount required for a deposit.


What is the difference between Help to Buy Equity Loan and Help to Buy Scotland
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The main differences between the two schemes are the locations they are available, and the total property price elie.
Is the scheme only open to first-time buyers
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No. The scheme is available to both first-time buyers and homeowners.
How much can I borrow?
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The maximum value of the property you can purchase using the Help to Buy scheme is £400,000. The amount you can borrow on a mortgage will depend on your lender and their requirements.
How do I go about sourcing a Bank to lend under this Help to Buy Scheme
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Not all lenders will offer you a mortgage under this scheme. Here at Next Home we have a specialist Help To Buy Mortgage Team able to access all of the products available. Call now to select your best deal on 01738 44 43 42
Is there a limit on annual household income
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No. This scheme is available to homebuyers regardless of their annual personal income.

For More information contact our dedicated Help to Buy Financial Services team on 01738 44 43 42 we are open 7 days until 9pm