Help to Buy (Scotland)

With Help to Buy (Scotland), you could buy a brand-new home with just a 5% deposit. The current popular Government-backed Help to Buy scheme is available until March 2021 in Scotland.
Take a look at how it works.

What is Help to Buy (Scotland)?

With Help to Buy (Scotland), taking your first step on the property ladder could happen sooner than you think.

  • You only need a 5% deposit.
  • The Government lends you up to 15% of the value of the property.
  • The loan is interest-free, making your dream home more affordable.
  • You then need to secure a 80% mortgage.

There are a range of competitive mortgage rates available with this scheme, so it’s worth comparing lenders to find the best deal. We can even introduce you to a specialist New Home Mortgage Adviser who'll search the market to find you a great deal.

Homes that qualify

Help to Buy (Scotland) is available on Barratt homes up to the value of £200,000.

This page provides information about Help to Buy in Scotland. The scheme works slightly differently in London, England and Wales. View our location-specific pages to find out how Help to Buy works where you are.

Help to Buy England  Help to Buy Wales  Help to Buy London


Who is eligible?

Most people know that the current Help to Buy (Scotland) scheme is available for first time buyers, but existing homeowners can benefit too.

There are a few important conditions:

  • The home you buy must be your only residence.
  • The scheme isn’t available for buy-to-let investors.
  • The scheme isn't available to those who will own any other property after completion.

Call us on 0330 057 6000 and we can introduce you to a Sales Adviser, who will tell you if you qualify for the scheme.

Help to Buy explained

Help to buy Scotland

See where Help to Buy (Scotland) could take you

Use our Help to Buy calculator to find out how the scheme could help you, then start searching for a beautiful Barratt home in Scotland.

Want to know more?

More information on Help to Buy (Scotland) is available from the Scottish Government.

Click here for the full terms and conditions.