How to Buy?

The Scottish Government’s Help to Buy (Scotland):

Affordable New Build Scheme helps first-time buyers and current homeowners purchase a new build home without the need for a large deposit.

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.

Help To Buy (Scotland) Terms And Conditions

Available on selected plots only.


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

The property purchase price cannot be more than the threshold price. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it


First Home Fund

The Scottish Government has just launched a new fund to help first time buyers with up to £25,000 towards the purchase price of a property. The scheme is on a shared equity basis, there are no monthly payments to be made towards the Scottish Government and no interest will be charged. To qualify you must have at least 5% deposit and the mortgage must be at least 25% of the purchase price. To find out more read the full guide below or get in touch with us here.