The Scottish Government's Help to Buy (Scotland) Affordable New Build Scheme helps first-time buyers and current owners purchase a new build home through a shared equity agreement.

The Help to Buy (Scotland) scheme helps you buy a new-build property from a participating house builder with a loan of up to 15% of the property price from the Scottish Government. Buyers must be able to fund at least 85% of the purchase price of a selected property through a combination of mortgage and a minimum of 5% deposit (if one is required by their lender).

If you are 60 or over you do not have to take out a mortgage.  However, you should maximise your contribution by using your full house sale proceeds (minus any reasonable expenses such as legal, estate agency fees and removal costs).  You must also demonstrate a housing need to move which should include at least one of the following:

  • under occupation - living in a property which is too large and need to downsize
  • property no longer suitable to meet your needs - can no longer manage the stairs etc.
  • support - need to move closer to family or friends that provide care and support

The Scottish Government receives its percentage back when you sell or if you choose to buy out the Government Equity Stake.

The Scottish Government has recently confirmed funding of £195 million for the scheme over the next 3 years.

The maximum threshold sale price for the scheme is as follows:

  • For financial year 2017/18 (transactions concluding up to 31 March 2018) the threshold price is £200,000
  • For financial year 2018/19 (transactions concluding up to 31 March 2019) the threshold price is £200,000

You can complete the online application form on the below link.

Click here to complete our online Help to Buy application form

For further information

For further information on the scheme and details of participating house builders please visit the Scottish Government's website.

Contact the Sales & Leasing Team on 01224 202900 or email ownership@grampianhousing.co.uk.

Help to Buy information on the Scottish Government website

Approved developers

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