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Help to Buy (Scotland) Scheme Extended for 2 More Years

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The Scottish Government has announced it will be extending the Help to Buy (Scotland): Affordable New Build scheme for a further two years.

Help to Buy Scotland is set out to help first time buyers and home-movers purchase a new build home.The scheme helps people to buy new-build homes without the need for large deposits. The Scottish Government will put forward up to 15% deposit of the purchase price of a new build home.

You are likely to require a deposit of minimum 5%, your mortgage and deposit must cover a combined minimum 85% of the total purchase price.

HtB RGB Drk Strap

The Scottish Government’s equity stake can be repaid at any time and is based on the value of the property at the time of repayment.

Since 2013, Help to Buy Scotland has so far helped over 12,000 households buy a new home. [1]

Help to Buy: Scotland criteria

  • Your mortgage and deposit cover a combined minimum 85% of the total purchase price.
  • Available to help first-time buyers and existing homeowners (Existing homeowners must sell their home before they can buy a home with assistance from the scheme)
  • The property purchase price cannot be more than the threshold price.
  • For financial years 2018-19, 2019-20 and 2020-21 the threshold price is £200,000

Terms & Conditions apply. For further information see

For more information on the Help to Buy Scotland scheme, speak to our expert mortgage advisers. Freephone 0800 43 53 49 or fill in our online enquiry form.

[1] BBC News, Scottish Help to Buy scheme extended for two years,

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Your property may be repossessed if you do not keep up repayments on your mortgage.

This firm usually charges a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity.

Please note if we recommend a Product Transfer with your existing lender then no mortgage advice fee will be payable, we receive commission from the provider.

Lifetime Finance Group Limited trading as Lifetime Planning is an Appointed Representative of PRIMIS Mortgage Network, a trading name of First Complete Ltd which is authorised and regulated by the Financial Conduct Authority for mortgages, protection insurance and general insurance products. The Financial Conduct Authority does not regulate some forms of Buy to Let.

Welcome to our latest news and blogs. Lifetime Planning offer a ‘one-stop-shop’ for your mortgage and protection needs. We’ll strive to find you the most suitable mortgage and protection solutions to meet your specific needs. Call us now on 0800 43 53 49 or email us at


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Guest Friday, 15 January 2021