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If you're at risk of having your home repossessed, the Home Owners' Support Fund may be able to help you.

Run by the Scottish Government, it's made up of two schemes:

  • Mortgage to Shared Equity
  • Mortgage to Rent

These schemes help home owners who find it difficult to pay their mortgage, or other loans secured against their property, to stay in their homes.

A secured loan is money you borrow that's secured against an asset you own, usually your home.

The Mortgage to Shared Equity scheme

The Scottish Government buys a stake in your property – up to 30% – so you can reduce your secured loan. You'll still own and have responsibility for maintaining and insuring your home.

The Mortgage to Rent scheme

Mortgage to Rent allows a social landlord, like a housing association or local council, to buy your home. You'll continue to live there as a tenant.

The Home Owners' Support Fund has extended the pilot to help home owners who've reached the end of their mortgage but can't afford to pay what's left. This is called the End of Term Cases Pilot.

To find out if you're eligible for the Home Owners' Support Fund and to apply, you must visit an approved money adviser such as your local Citizens Advice Bureau or your local authority debt advice service.

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