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How it works

Through the NSSE scheme you'll be able to buy a new build home without having to fund its entire cost, and will receive assistance from the Scottish Government.

You'll pay for the biggest share – usually between 60% and 80% of the home's cost – and the Scottish Government will hold the remaining share under a 'shared equity agreement', which it will enter into with you.

For example, if you pay for 70% of the home, the Scottish Government will hold 30% of the share.

Although you'll have complete title to your home and your name will be on the title deeds for it, there will be a mortgage (or 'standard security') on the home to make sure the Scottish Government's share is protected.

It also means that if you ever choose to sell the home, the Scottish Government will get a share of the money.


When you buy through the NSSE scheme you have complete title to your home.

This means you'll be responsible for:

  • paying your mortgage
  • factors costs
  • home contents insurance
  • building insurance
  • repairs and maintenance
  • council tax
  • heating, lighting and water bills
  • fittings and furniture

If you have serious problems with a new home (for example you discover a defect) you should speak to your solicitor first.

How to qualify

Since the NSSE scheme is aimed at households with low to medium incomes, the local council or social landlord in your area will assess your application to see if you qualify.

You'll need to be able to show that you can't buy a new build house that suits your needs without getting help from the NSSE scheme.

Visit the Directory of Social Landlords to find social landlords with homes in your area.

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