Help to Buy Scotland

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.

What is Help to Buy Scotland ?

Own 100% of your home

How does it work?

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.


Who's eligible?

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.

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


Help to Buy

Help to Buy is a Government backed equity loan aimed at helping you purchase your new home. The scheme is open to both first time buyers and existing homeowners on new build properties up to a maximum value of £600,000.


Help to Buy Wales

Buyers with a minimum of 5% deposit can receive an interest free equity loan of up to 20% of the value of their new home, leaving only a 75% mortgage to secure.


Help to Buy London

Using the scheme, purchasers only need a 5% deposit and a 55% mortgage to qualify for a 40% interest free equity loan backed by the UK Government.


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