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Help to Buy

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

Your circumstances are unique and we can advise you based on your specific needs

Help to Buy is a Government scheme that helps homebuyers and home-movers to buy an affordable new-build home in Scotland. 
Need a little advice about how it works, or want to know if you qualify?
Even if you’ve been declined a Help to Buy mortgage in Scotland, why not have a chat with one of the expert advisers at getMortgage

Help to Buy

This scheme is designed to help people get on or move up the property ladder with an affordable new-build home in Scotland.
Under the scheme, the Scottish Government takes an equity stake of up to 15% of the total value of the property.
With the Help to Buy equity loan scheme, you’ll need as little as 5% deposit and 80% mortgage to buy a new home. This could make your mortgage repayments more affordable and is exclusively available on new homes.


Buying a house through the Help to Buy scheme


The Scottish Help to Buy equity loan is interest free forever. It makes it less risky for lenders to offer a mortgage to a borrower with only a 5% deposit. Which means you should get a much more favorable interest rate, than previously available with a small deposit. A mortgage under the Help to Buy Equity Loan scheme works like any other mortgage.

Your lender will check that you can afford it and that you do not have a history of payment difficulties.