Help to Buy Scotland was introduced in 2013 by the government with the aims of helping young people to purchase a home.

The scheme is currently open to both first-time buyers and current homeowners.

The way it works is you purchase at least 85% of the property and the government fund the other 15% under a shared equity agreement. With a minimum of a 5% deposit, plus the 15% shared equity from the government you only need an 80% mortgage. This makes it much easier for lenders to approve you.

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Example of Help to Buy Equity Loan


• 5% Deposit (£10,000)
• 20% Government Loan (£40,000)
• 75% Mortgage (£150,000)

Help to Buy is a government led scheme which helps people purchase a brand-new home with a much smaller deposit (5%). With Help to Buy the government gives you 15% as an equity loan, meaning your mortgage is only 80%, giving you access to a wider range of lenders.

Help to Buy is available to first time buyers and home movers

As a sole buyer, the affordability criteria is typically 4.5 times your gross income subject to other financial commitments, and for joint buyers, the typical rule of thumb is 3.5 times your combined gross income subject to other financial commitments.

Help to Buy is designed to help people onto the property ladder. Once the mortgage has been paid off, you will own 100% of your own home.

You will only pay back what the value of equity is worth. For example, if the value of your house falls, the amount you must pay back also falls.

The loan is only repaid upon sale of the property.

You can also choose to repay in minimum 5% increments. It’s important to note that this will have legal and valuation costs.

No. There are thresholds currently set by the government. To qualify for Help to Buy, you cannot purchase above £200,000 in Scotland.

The home you purchase must be your main residence.

You can’t own any other properties

Most of our developments offer Help to Buy and our sales teams are more than happy to talk you through it in more detail.

Explore our developments and speak to our sales teams directly.

You can refer to the government’s website for more information about Help to Buy Scotland.

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