Buyer’s 5% Deposit

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. The scheme will operate until 31 March 2021.

Open to first time buyers and existing homeowners. Buyers can purchase a new build home with as little as 5% deposit of the purchase price. The property purchase price cannot be more than £200,000 for financial years 2018-19, 2019-20 and 2020-21.

15% Scottish
Government Loan

When you buy through the Help to Buy scheme you have complete title to your home. This means you’ll be responsible for: paying your mortgage, factors costs, home contents insurance, repairs and maintenance, council tax, heating, lighting and water bills, fittings and furniture, Applying. Once you have spoken to one of the 9 official Help to Buy lenders, you can reserve the home and receive a full reservation agreement from Living by Robertson. You can then apply for funding through your local administering agent who will assess your application and check your eligibility. The scheme helps with up to 15% of the purchase price of the new build home.

80% mortgage from
commercial lender

Borrowers will need to meet appropriate tests to ensure they can pay back the mortgage, as well as passing their chosen lender’s usual credit and affordability checks.If the agent assesses that your application is eligible, they’ll send you an ‘Authority to Proceed’ (ATP), which confirms your eligibility and lets you go ahead with the purchase.Your solicitor will then check to make sure the mortgage offer, property price and the funds you have are all valid under the terms of the Authority to Proceed. Once everything’s been checked and the purchase is ready to complete, your solicitor will gather: the funds from your mortgage lender, the Scottish Government’s contribution, the deposit you’re paying, They will then use these funds to pay the builder the purchase price of the home and complete the deal.

Once the deal is complete, you can move in.

Mortgage Calculator


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Min 10

Max 40

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Min £50k

Max £200k

  • 5% deposit


  • 15% Help to Buy Equity Loan


  • 80% mortgage


  • Property value


Your estimated monthly mortgage repayment:


For example purposes only. Actual loan amounts and affordability criteria will differ across lenders. Your home may be repossessed if you do not keep up repayments on a mortgage.