Help to Buy (Scotland)

How does Help to Buy (Scotland) work?

Help to Buy is an equity loan from the Government, enabling new home buyers to obtain a mortgage of between 75% and 85% with as low as a 5% deposit. Interest free for the duration, you can repay the loan at any time without penalty, or when you sell your home.

If you are aged over 60, you can use Help to Buy without a mortgage.

Whether it’s your first home, a move for a lower maintenance home or a home with more space for your growing family, Help to Buy is available on new-builds worth up to £200,000.

Equity Loan from the Government

How does Help to Buy work?

With the help of the Scottish Government's Help to Buy Equity Loan Scheme, you could soon be able to own your dream CALA home.

Help to Buy Scotland leaflet

FIND A CALA HOME

Help to Buy is available on homes up to a maximum value of £200,000. You will need a deposit of at least 5% of the value of your chosen home.

FIND OUT IF YOU'RE ELIGIBLE

We can put you in touch with an independent mortgage advisor to help you find out if you qualify and help you apply.

RECEIVE EQUITY LOAN

You could receive 10% to 15% of the purchase price. Unless you are over 60 years old, you will need to fund the rest of the purchase price with a mortgage.

OWN 100% OF YOUR HOME

The equity loan is interest free and can be repaid at any time. On sale of your home, you will need to pay back the percentage of equity still outstanding.

Visit mygov.scot to find out more

Help to Buy (Scotland) calculator

Use the calculator below to find out how you could move into your CALA home with Help to Buy (Scptland)

Enter house value

(up to £200,000)

Min £100K

Max £200K

Your deposit contribution

(Minimum 5% of the house value required)

Min 5%

Max 60%

Potential Scottish
Government loan value of:

Min 10%

Max 20%

Your results

To purchase a home valued at:
And with a % deposit value of:
You would need to secure a mortgage of:
To be elegible for a Scottish Government loan of:

Get in touch

Please note that this tool is for information purposes only and does not represent professional financial advice. Our sales team will be able to provide tailored information if you would like to find out more about our help to buy scheme.

See the full terms and conditions for the scheme below.

0% APR TYPICAL. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT

Terms & conditions

Security over your home is required. Help to Buy cannot be used in conjunction with part exchange.

Availability of other incentives/offers subject to lenders criteria and CALA’s discretion.

Your mortgage lender’s deposit requirements may vary, but you should usually expect to contribute a deposit of at least 5% of the purchase price.

Available on selected properties, and subject to the Government’s specific terms, conditions and qualifying criteria.

CHECK THAT THIS MORTGAGE WILL MEET YOUR NEEDS IF YOU WANT TO MOVE OR SELL YOUR HOME OR YOU WANT YOUR FAMILY TO INHERIT IT. IF YOU ARE IN ANY DOUBT SEEK INDEPENDENT ADVICE.

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