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It's easier to find your ideal home with an account – and you'll be the first to hear about new homes

Buy a new home in Scotland with just a 5% deposit

With a Help to Buy equity loan you could find the home that’s right for you with just a 5% deposit. The Scottish Government will lend you up to 15% of the property value through an equity loan.

You’ll only need to secure up to an 80% mortgage from a bank or building society, making that first step a little easier.

The maximum price for homes included within the scheme will reduce each year as follows:

  • 2016/17 the maximum property value is £230,000
  • 2017/18 the maximum property value is £200,000
  • 2018/19 the maximum property value is £175,000

Help to Buy in Scotland