Customer Enquiries: 03451 400 100
Customer Enquiries: 03451 400 100

Help to Buy

The Scottish Government's Help to Buy (Scotland): Affordable New Build Scheme helps first-time buyers and current home owners purchase a new build home through a shared equity agreement.

You will need to take out a mortgage of at least 25% of the price unless you are applying through the Older Persons scheme.

The Scottish Government receives its percentage of the property value back when you sell or increase your percentage share.

Funding and thresholds 

The Scottish Government has confirmed funding of £195 million for three years up to and including 31 March 2019.

The maximum threshold purchase price for the scheme from 1 April 2017 to 31 March 2019 is £200,000.

The scheme is currently open to applications for financial years 2017/2018 and 2018/2019.

Affordable New Build Scheme

You need to take a mortgage of at least 25% of the purchase price. You must be unable to buy the property without the scheme.

Apply for Help to Buy Affordable New Build Scheme

Complete the online application form to apply

Apply now

Older Persons Affordable New Build Scheme

If you are 60 and over you do not need to take a mortgage. If taking a mortgage of less than 25% of the purchase price, you must demonstrate a housing need. You must be unable to buy the property without the scheme.

Apply for the Help to Buy Older Persons Affordable New Build Scheme

Complete the simple application form to apply

Apply now

More information

For further information on the scheme, details of participating house builders and access to the affordability calculator please visit the Scottish Government’s website or contact a member of the team on 0330 303 0023.