Help to Buy

The Scottish Government's Help to Buy (Scotland): Affordable New Build Scheme helps first-time buyers and current owners purchase a new build home.

The Help to Buy (Scotland) scheme helps you buy a new-build property from a participating house builder with a loan of up to 15% of the property price from the Scottish Government. Buyers must be able to fund at least 85% of the purchase price of a selected property through a combination of mortgage and a minimum of 5% deposit (if one is required by their lender).

The Scottish Government receives its percentage back when you sell or if you choose to buy out the Government Equity Stake.

The maximum threshold sale price is as follows:

  • For financial year 2017/18 (transactions concluding up to 31 March 2018) the threshold price is £200,000
  • For financial year 2018/19 (transactions concluding up to 31 March 2019) the threshold price is £200,000

More information

Link Group is the managing agent for the Help to Buy scheme in the Argyll and Bute area. If you would like further information please call them on 0330 303 0125 or visit its website.

For details of participating house builders and access to the affordability calculator please visit the Scottish Government’s website.