Shared equity

Shared equity helps people on low to moderate incomes who want to buy a home but are unable to meet the full price.

When you buy a shared equity home from Link, or on the open market, you pay for the majority of the equity in the property and the Scottish Government pays for the rest.

The Scottish Government helps you buy the property and gets the same percentage back when you sell or buy its equity stake.

We administer the Open Market Shared Equity scheme and the New Supply Shared Equity scheme on behalf of the Scottish Government.

The schemes aim to help the following:

  • First time buyers
  • Social renters (people who rent from the council or a housing association)
  • People with a disability
  • Members of the armed forces
  • Veterans who have left the armed forces within the past two years
  • Widows, widowers and other partners of service personnel for up to two years after their partner has lost their life while serving
  • People aged 60 or over who can demonstrate a housing need to move and meet with the criteria 

Please note, however, eligibility for each scheme can vary depending on the Scottish Government’s priorities.