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Getting help to buy your home
Last updated: 31 January 2020
There are a number of Scottish Government schemes set up to help you buy a new home if you can't afford one.
The scheme that's right for you depends on what type of home you want to buy and how much of the total cost you're able to cover.
The current schemes available are:
If you want to buy an existing home that's on sale the Open Market Shared Equity scheme lets you pay a 60-90% share of the cost while the Scottish Government holds the rest of the share.
If you want to buy a brand new house that's being built, the New Supply Shared Equity scheme lets you pay a 60-80% share of the cost while the Scottish Government holds the rest of the share.
If you want to buy a home but your income is low, shared ownership lets you own a 25%, 50% or 75% share of a home. The rest is owned by a housing association, and you pay them an 'occupancy charge' to live in it.
The Help to Buy (Scotland) Affordable New Build scheme helps buyers to buy a newly built home without having to fund the entire price. The Scottish Government takes an 'equity stake' of up to 15% of the home's property and you can pay this back at any time.
