Help to Buy (Scotland)

Find your new home with just a 5% deposit with Help to Buy (Scotland). Help to Buy funds are limited, and the thresholds are changing, so act now to avoid missing out.

Buy a new home in Scotland with just a 5% deposit

With a Help to Buy equity loan you could find the home that’s right for you with just a 5% deposit. The Scottish Government will lend you up to 15% of the property value through an equity loan until 2021.

You’ll only need to secure up to an 80% mortgage from a bank or building society, making that first step a little easier.

The threshold is a maximum property value of £200,000.

Check out our Help to Buy Frequently Asked Questions for more information on how Help to Buy could help you get moving.

Help to Buy Calculator


Estimate your monthly mortgage repayments in 4 simple steps and find available properties.

Select your Help to Buy UK region

England Scotland Wales London

Move the selector until the correct value is displayed

Price Control
Step 1 of 4
Deposit Control
Step 2 of 4
Interest Control
Step 3 of 4
Duration Control
Step 4 of 4


5% Deposit:

5% Help to Buy Equity Loan: £ ????????

5% Mortgage Value: £ ????????

Interest Rate:

Mortgage Term:

Property Value:

Monthly Repayment £ ?????? p/m


YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. This calculator is provided for guidance only; Barratt Homes does not offer mortgage advice. Subject to full affordability checks, you may qualify for a higher equity loan amount from the government. You should take advice from a suitably qualified adviser before agreeing to a mortgage.

What are you waiting for?

What are you waiting for?

Government funding is limited each year, so act now to avoid missing out. Call us today on 0330 057 6000 to arrange a visit at your local development, or use the search bar below to find developments near you. 

More information on Help to Buy (Scotland) is available from the Scottish Government here.