Help to Buy Schemes

Get a helping hand onto the property ladder

That first step might feel like the hardest, but there are a number of schemes designed to help first-time buyers afford a place of their own.  The following list outlines some of these schemes, to find out which is the right one for you, talk to our advisers.


LIFT – Low-cost Initiative for First-Time Buyers

The Scottish government will contribute between 10 and 40% of funding towards your new home on the open market.

E.g. property price is £100,000, you can afford to contribute £70,000 through your deposit and a mortgage. The Scottish government will provide the remaining 30%.

When the house is sold, it will be the same percentage that is paid back.

I.e. house value is now £110,000, government percentage is 30% of £110,000, so is now £33,000. If the value is now £90,000, the government percentage is now 30% of 90,000, so is £27,000.

You can buy the government share back over time, until eventually you own 100% of your home.

This scheme is designed to help first-time buyers, social renters, those with a disability who can demonstrate housing needs, members of the armed forces, veterans who left the armed forces in the past two years, widows of service personnel and people over the age of 60.

This video explains more.


Forces Help to Buy Scheme

This scheme enables servicemen and servicewomen to borrow up to 50% of their salary, interest free, to buy their first home or move to another property on assignment or as their families’ needs change.

This is paid back over 10 years in regular monthly payments deducted straight from your salary.

Further details on the website


Help to Buy Equity Loan

This Scottish government funded loan means you can purchase a new build home from an approved builder without the need for a large deposit.

The Scottish government lends you up to 20% of the cost of your newly built home. You need to be able to put forward a 5% deposit and get a mortgage for the remaining 75%.

There are no loan fees for the first 5 years.

Download an information sheet from this link.

You’re not alone

Finding your first mortgage can feel overwhelming, but it doesn’t have to be.

Our mortgage advisers can explain how this impacts you and help you find the right mortgage.

Call 01343 814000 or use the contact form to make an appointment.


Your home may be repossessed if you do not keep up repayments on your mortgage.