Who can apply for the Home Owners Support Fund

You may be able to get the fund if all the following apply:

• your bank or mortgage lender will not let you lower your mortgage payments
• you’ve paid less than your agreed mortgage amount for at least 3 months
• the amount you owe is equal to or more than one monthly mortgage payment
• your home’s value is not over the property threshold for your area

Check if you could get the fund

Start

Applying at the end of your mortgage term

You can apply for the fund if you're at the end of your mortgage term and have money left you cannot pay.

Getting end of mortgage term support

You must have evidence that:

• your bank or mortgage lender wants to claim the rest of the money you owe
• your bank or mortgage lender wants to begin repossession proceedings in court
• an independent financial adviser believes you cannot pay the money you owe

An independent financial adviser is different from an approved money adviser.

If you’re separated from a joint owner

You can still apply for the fund if you’re separated from a partner who is a joint owner of the property.

When you apply:

• your joint income will be considered
• you must both give your consent
• one of you must still be living in the property
• both of you must remain joint owners

The Scottish Government cannot buy out your partner’s share of the property.

Guidance for money advisers

Money advisers can use more detailed guidance on the fund.

Download fund guidance for money advisers on gov.scot.