Help to Buy (Scotland) Scheme

A strong and growing house-building industry is key to Scotland's future economic prosperity. The Scottish Government is supporting home ownership by helping people to become homeowners where it is affordable for them over the long term.

The Help to Buy (Scotland) scheme aims to help stimulate Scotland's house-building industry and to help people to buy a new build home in Scotland from a home builder who has been approved to participate in the scheme. On 27 September 2013 Deputy First Minister Nicola Sturgeon announced funding for the scheme of £220m over three years. This was increased in May 2014 to £275m; the revised budget is allocated as follows:

  • £35m for financial year 2013/14
  • £140m for financial year 2014/15
  • £100m for financial year 2015/16

The Help to Buy (Scotland) Scheme is a demand-led scheme and its budget for 2014/15 (which covers the period from 1 April 2014 to 31 March 2015) has been fully allocated. No new application forms to the scheme will be considered.


Further funding of £100 million has been made available by the Scottish Government for the Help to Buy Scheme for financial year 2015/16 (which is for transactions due to conclude from 1 April 2015 – 31 March 2016). You should be aware that transactions approved to conclude in financial year 2015/16 cannot conclude in the current financial year (2014/15). If you wish to apply for the 2015/16 scheme, you must speak to your independent Financial Advisor, lender or home builder in the first instance.

Please be aware that the Help to Buy (Scotland) scheme is a demand-led scheme and once its budget is fully allocated in each financial year to help people to buy a home, no new application forms can be considered.

What is Help to Buy (Scotland)?

The Help to Buy (Scotland) scheme helps buyers to buy a new build home from a participating home builder without having to fund all of the purchase price.

Here's a short summary of how the Help to Buy (Scotland) scheme works:

  • the scheme is only available on new build homes from participating home builders and on homes up to a maximum value of £400,000;
  • your mortgage lender is likely to require you contribute a deposit of around 5% and your mortgage and deposit must cover a combined minimum 80% of the total purchase price. Your mortgage from a qualifying lender must be a repayment mortgage, of at least 25%, and you are not permitted to buy a Help to Buy (Scotland) scheme property with an interest-only first mortgage;
  • the Scottish Government will help buyers to purchase the property and will take an equity stake of up to 20% of the value of the property;
  • the Scottish Government’s equity stake can be repaid at any time;
  • no annual interest is charge on your equity stake; and
  • there are currently 8 lenders offering mortgages for the Help to Buy (Scotland) Scheme, please contact them to check what their lending criteria is for the Help to Buy (Scotland) scheme.
If you are interested in the scheme, what should you do?
  • The scheme has fully allocated its budget for 2014/15 (i.e. for all transactions that will conclude from 1 April 2014 – 31 March 2015).  We recommend you discuss this with your independent financial advisor, lender or home builder.
  • Read the information leaflet for buyers. This will provide you with vital information on how the scheme operates.
  • In the first instance you will need to search for Help to Buy properties that are for sale by a participating home builder. The properties may be marketed for sale on estate agents’ websites, home builder’s websites, in local newspapers, or on the radio;
  • contact the home builder for further details and to arrange viewings;
  • speak to a lender or an independent financial advisor before you submit an application form to one of the agents administering the scheme on behalf of the Scottish Government;
  • you should not submit a full mortgage application until you have received an 'Authority to Proceed’ from one of the administering agents informing you that your application is eligible to participate in the scheme.
  • You can apply up to 9 months in advance of the anticipated completion date. Please apply at least one month in advance of the completion date to allow the necessary legal paperwork to be completed.
Participating Home Builders
  • A&J Stephen Limited
  • Abhaile Limited
  • AJC Homes Scotland Limited
  • Allan Munro Construction Limited
  • Allan Water Development Limited
  • AMA (New Town) Limited
  • Andrew Davie Timber Frame Homes
  • ARD Properties Limited
  • Argyll Properties (2009) Limited
  • ARK Estates (Scotland) Limited
  • AS Homes Scotland Limited
  • Auberne Homes Limited
  • Bancon Homes
  • Barony Developments Limited
  • Barratt Homes
  • Bellway Homes Limited
  • Bett Homes Limited
  • BHC Limited
  • Blackwood Developments Limited
  • Blake Homes (Scotland) Limited
  • BMJ Property Limited
  • Bob Milton Properties Limited
  • Braiklay Estates Limited
  • Bruce Estates LLP
  • CALA Homes
  • Calder Developments Limited
  • Campbell & Gay Builders Limited
  • Campion Homes Limited
  • Carleton House Limited
  • Carriden Homes Limited
  • Carse Country Homes Limited
  • CHAP Homes Limited
  • Charles Church Developments Limited
  • Charlesfort (Loch Lomond) LLP
  • Charter Carnbroe Limited
  • City Legacy Limited
  • Claymore Homes Limited
  • Cluaran Homes
  • Colaren Properties Limited
  • Country Homes Scotland Limited
  • Credential (Hermiston) Limited
  • Cruden Estates Limited
  • Cruden Homes (East) Limited
  • Cullross Limited
  • Darnley Homes Limited
  • David Wilson Homes
  • Dawn Homes Limited
  • Deen Homes LLP
  • Deveron Homes Limited
  • Discovery Homes (Scotland) Limited
  • Discovery Homes Limited
  • DJ Laing Homes Limited
  • DLB Scotland Limited
  • Druid Developments Limited
  • Drumrossie Land Development Company Limited
  • Dumfries Farming and Land Limited
  • Dundas Estates & Development Co Limited
  • FJE Homes Limited
  • Fotheringham Property Developments Limited
  • Fraser & Grant Homes Limited
  • Freedom Homes (Stirling) Limited
  • GL Residential Limited
  • Glencairn Properties
  • Glen Homes (Scotland) Limited
  • Glenmhor Developments Limited
  • Glenormiston Estates Limited
  • Grange Estates (Newbattle) Limited
  • Green Pads Limited
  • Grovebury Management Limited
  • GRS Homes Limited
  • GS Brown Construction Limited
  • Guild Homes (Tayside) Limited
  • H&H Properties (UK) Limited
  • Hadden Construction Limited
  • Hagan Homes
  • Hall and Tawse Limited
  • Headon Developments
  • Highland Housing Alliance
  • Hillfoot Homes (Property & Development) Limited
  • Hope Homes (Scotland) Limited
  • ISIS Waterside Regeneration (General Partner) Limited
  • Jacobson Properties
  • JK2 Developments Limited
  • J Smart & Co (Contractors) PLC
  • Kapital Residential Limited
  • KBP (Scotland) Limited
  • Kier Homes (Caledonia) Limited
  • Kingsteps Construction & Management Services Limited
  • Kingston Residential Investments Limited
  • Kirkwood Homes Limited
  • Kraigland Homes Limited
  • Ladybank Homes Limited
  • Ladysbridge Village Limited
  • Langshaw Homes Limited
  • Lilybank Terrace Limited
  • Lindores Limited
  • Local Green Deal Company
  • Lochay Homes Limited
  • Lomond Group (Scotland) Limited
  • Lovell Partnerships Limited
  • Lynda Taylor Limited
  • M&J Ballantyne Limited
  • MacKintosh Highland
  • MacLeod Construction Limited
  • MacTaggart & Mickel Homes Limited
  • Malcolm Allan Housebuilders Limited
  • Manor Kingdom (Scotland) Limited
  • Mansell Homes
  • McKelvie Brown Limited
  • McTaggart Construction Limited
  • Merchant Homes Limited
  • Merchant Homes Partnerships Limited
  • MFJ Homes Limited
  • Milestone Developments (Ayrshire) Limited
  • Milestone Developments (Dalmellington) Limited
  • Miller Homes Limited
  • Milne Property Developments Limited
  • Modern Housing Limited
  • Modern Housing New Homes Limited
  • Mr K. A. & Mrs E. H. Gordon
  • Muirfield (Contracts) Limited
  • Muir Homes Limited
  • Mullberry Homes Limited
  • Murray & Burrell Limited
  • New City Vision Drumchapel Limited
  • New City Vision Gartloch Limited
  • Newcrest Residential Limited
  • O’Brien Properties Limited
  • Ogilvie Homes Limited
  • Orchard Building Company Limited
  • Orkney Builders (Contractors) Limited
  • Palatine Hill Limited
  • Pat Munro (Alness) Limited
  • Pelbeach Limited
  • Persimmon Homes Limited
  • PHG Developments Scot Limited
  • Places for People Homes
  • Places for People Scotland
  • Planview Limited
  • Quartermile Ventures Limited
  • R Davidson Limited
  • Rathven Investments
  • Richmond Homes
  • Robertson Homes Limited
  • Rosewood Homes & Properties Limited
  • RW Leith Limited
  • Ryce Limited
  • S&R Developments (Arbroath) Limited
  • Sandford Park Limited
  • Scotia Homes Limited
  • Screw It Just Do It Limited
  • Serene Life Limited
  • Shieldhill Developments Limited
  • Simply
  • Southvale Homes (Lanark) Limited
  • Springfield Properties PLC
  • Stephen Gardiner Homes Limited
  • Stewart McNee (Dunoon) Limited
  • Stewart Milne Group Limited
  • St Mary’s Housing Limited
  • Story Homes Limited
  • Strada Developments Limited
  • Stratstone Investments Limited
  • Taylor Wimpey UK Limited
  • Tinto Construction Limited
  • Tulloch Homes Limited
  • Turnberry Homes Limited
  • Tweed Homes Limited
  • Upland Developments
  • Uppermill Farms Limited
  • Urban Union Limited
  • Veitchi Homes Limited
  • Walker Group (Scotland) Limited
  • Waverco Limited
  • WB Properties (Scotland) Limited
  • Westerwood Homes Limited
  • Westminster Homes Limited
  • Westpoint Developments (Scotland) Limited
  • Wilson Developments (Scotland) Limited
  • ZeroC Holdings Limited

(Last updated 12 September 2014)

Standing Instructions for Buyers Solicitors

Lenders and Independent Financial Advisors (IFAs)

It is a pre-requisite of the scheme that all buyers must speak to a lender or an independent financial advisor before they proceed with applying to the scheme. A buyer can only submit an application form to one of the agents who will administer the scheme once they have discussed their position with a lender or an independent financial advisor.

There are currently 8 lenders offering mortgages for the Help to Buy (Scotland) Scheme:

  • Barclays
  • Glasgow Credit Union
  • Leeds Building Society
  • Lloyds Banking Group
  • Nationwide
  • Scotwest Credit Union
  • Skipton Building Society
  • Virgin Money
After Sale Shared Equity Procedure

The Scottish Government has prepared After Sales Shared Equity Procedures to help with any post-sale queries from shared equity owners. The document contains sample emails and correspondence to be used for situations including when a property is re-mortgaged, when a person wishes to purchase additional equity, and when a person wishes to add or remove a person from a shared equity documentation.

The Scottish Government has also prepared a Post Sale Booklet for Buyers which covers the most commonly asked questions relating to any post-sale situation or queries.

Home Builder Registration for the scheme

You should be aware that the Help to Buy (Scotland) scheme is a demand-led scheme and its budget for 2014/15 (which covers the period from 1 April 2014 to 31 March 2015) has been fully allocated.  This means that no new application forms will be considered.   The scheme is currently accepting application forms from applicants for 2015/16.  You should be aware before registering to participate in the scheme that as the scheme is a demand-led scheme, once each financial year’s budget is fully allocated, to help people buying a home during that year, no new applications can be considered.

The registration process for home builders to take part in the scheme is still open to all home builders of new build homes in Scotland.

All home builders who wish to participate in the scheme must complete and return a Registration Form.

All home builders will be expected to enter into a Participation Agreement with Scottish Ministers. We recommend that organisations ensure that they can comply with the terms of the Participation Agreement before submitting a Registration Form.

Copies of the Participation Agreement, Guidance for Home Builders and the Registration Form can be requested from the Housing Markets Team by emailing

Help to Buy Scotland Scheme - Monthly Statistics
  July 2014

Total number of Approved Applications to Date i.e. Authority to Proceed Letters issued (since September 2013)


Geographical Area of Scotland

Number of Confirmed House Sales to date

Number of ATP's to date

Highlands & Islands (Highland & Eilean Siar) 130 210
Grampian (Aberdeen City, Central, North and South Aberdeenshire and Moray) 224 677
Shetland Islands 0 0
Orkney Islands 0 14
Central Scotland (Angus, Clackmannanshire, Dundee, Falkirk, Perth & Kinross and Stirling) 287 567
Edinburgh & Lothians (Edinburgh, East Lothian, Midlothian, West Lothian, Scottish Borders and Fife) 628 1353
West of Scotland (Glasgow, East Renfrewshire, Renfrewshire, East and West Dunbartonshire, Inverclyde, North and South Lanarkshire 940 2082
Total 2209 4903
Business and Regulatory Impact Assessment (BRIA)

This Business and Regulatory Impact Assessment (BRIA) relates to the provisions for the amendment of Section 11 of the Land Tenure Reform (Scotland) Act, which is more commonly referred to as the '20 year security rule'.