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Home Report

Houses for sale in Scotland have to be marketed with a Home Report, which a seller or their agent has had to provide, upon request, for all properties marketed for sale. Read more about Home Report.

Build Your Own Home

Mortgage Difficulties?

The Scottish Government publishes information to help people in mortgage difficulties.

House Prices

 Information on where to find up-to-date house prices and the legal process involved in buying a home.

Buying and Selling

What help can I get to buy a home?

The Scottish Government offers several schemes to help you become a homeowner where that is affordable for you. The best scheme for you will depend on your own circumstances and you are encouraged to speak to your lender or an independent financial advisor before you apply to one of the schemes. Some schemes are open to all home-owners; others are only available to first-time buyers.

This table will help you decide which scheme might be able to help you. You'll find more details of each scheme underneath the table.

Scheme I own a home I am a first-time buyer
LIFT Open Market Shared Equity   ✔(to buy a home within certain price thresholds on the open market)
LIFT New Supply Shared Equity Scheme   ✔ (to buy a new-build home from a housing association)
LIFT New Supply Shared Equity with Developer Scheme   ✔ (to buy a new-build home from a participating developer)
Shared ownership  
Help to Buy (Scotland) Scheme ✔ (if you do own another home, you are expected to sell this before you purchase a home under the scheme)

 

Low Cost Initiative for First Time Buyers (LIFT)

Two LIFT shared-equity schemes help first-time buyers on low to moderate incomes to own a home.

  • The Open Market Shared Equity Scheme helps first-time buyers to buy a home on the open market.
  • The New Supply Shared Equity Scheme helps first-time buyers to buy a new build home from a housing association.

More details on these schemes

 

Shared Ownership

Shared Ownership helps people on low to moderate incomes buy a home where it is affordable for them.  Shared ownership helps a person buy a share of a home and pay an occupancy charge on the remainder to a housing association.  Shared Ownership is different from shared equity. Find out the differences.

 

Help to Buy (Scotland) Scheme

The Help to Buy (Scotland) scheme aims to help first-time buyers and existing homeowners to buy a new-build home in Scotland from a participating home builder.  The scheme is available on homes up to a value of £400,000.

 

Other home ownership schemes

MI New Home Scheme

The Scottish Government supports the private sector-led MI New Home scheme which allows lenders to offer mortgages to credit-worthy borrowers in Scotland who want to buy a new-build home from a participating housebuilder, with a maximum value of £250,000. The scheme supports both first-time buyers and existing homeowners.

More information

 

UK Government’s Help to Buy Mortgage Guarantee scheme

This UK-wide scheme is a UK Government initiative; the Scottish Government has no role in the scheme’s development or delivery.  Visit the UK Government website for more information.