Help to Buy (Scotland) Affordable New Build Scheme

Help to Buy (Scotland) Affordable New Build Scheme is the shared equity scheme from the Scottish Government aimed at helping home-buyers purchase a new home with as little as 5% deposit.

The scheme is available to both first-time buyers and existing homeowners for new-build properties across Scotland with a maximum purchase price of £200,000.

Through Help to Buy (Scotland) buyers with a minimum 5% deposit can obtain assistance from the Scottish government of up to a maximum of 15% of the purchase price of their property, with the government holding its equity stake by way of a shared equity agreement and second-ranking. This could leave buyers only needing to secure an 80% mortgage with a high-street lender.

The scheme is available to home-buyers regardless of their annual personal income, with mortgages available from a range of high-street lenders.

A similar scheme is also in operation in England with Help to Buy.

To find out more about Help to Buy (Scotland) search for your new home and speak to a member of our sales team for more information.


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Help to Buy (Scotland) Terms and conditions

Available from March 1st 2016

Available on selected plots only

Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it

Maximum purchase price of homes supported

2018-2021: £200,000 (transactions concluding up to 31 March 2021)

The property purchase price cannot be more than the threshold price.