Help to Buy (Scotland) Affordable New Build Scheme

The Help to Buy (Scotland) Affordable New Build Scheme is a Scottish Government scheme to help first time buyers and existing homeowners to buy an affordable new build home from a participating home builder. 

If you want to buy a new build home using the Help to Buy scheme, the property purchase price cannot be more than the threshold price. The threshold price is £200,000 for the financial years 2018-19, 2019-20 and 2020-21.

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

The Scottish Government will help buyers to purchase the property by taking an equity stake of up to a maximum 15% of the value of the property. This equity stake can be repaid at any time and is based on the value of the property at the time of repayment.


  • The home must be your only residence, and you must not own or part-own any other residential property.
  • The scheme is only available to those who are unable to afford to purchase the property without the Government purchasing an equity share in the property i.e. if you are able to afford over 100% of the purchase price through a combination of available mortgage and deposit your application will not be eligible
  • The scheme is not available to a single person who requires a mortgage of more than 4.5 times their income or couples that require a mortgage of more than 3.5 times their joint income.

Terms and conditions apply. Subject to availability.

Source: Scottish Government

If you are interested in the scheme or require some more information on it, call us now on 0800 43 53 49 or fill out our online enquiry form.