Help to Buy (Scotland)

Using the popular Scottish Government-backed Help to Buy (Scotland) scheme, you could move into a brand new Keepmoat home with just a 5% deposit.

This scheme is perfect for first time buyers looking to get on the property ladder.

Here’s how it works:

  • You provide 5% deposit for your new home
  • You receive an equity from the Scottish Government for up to 15% of the property value
  • You secure up to an 80% mortgage from a bank or building society

The maximum price of properties included in the scheme is £200,000. The scheme will operate until March 2021.

What happens if I sell my Help to Buy (Scotland) home?

The Help to Buy (Scotland) equity must be paid in full when you sell your home. And if you received equity for 15% of the value when you bought the home, you’ll have to pay back 15% of the value when you sell. So if your home has increased in value, you’ll have to pay back a little more than you borrowed. 

An independent valuer will decide what your home is worth and your home needs to be sold on the open market. 

If you’ve already paid back your equity, there’s nothing else to pay back to the scheme. 

Register your interest:

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