Buying a home in Scotland can feel daunting—especially when you’re saving for a deposit or trying to meet strict lender criteria. The good news is that a range of Scottish Government schemes and grants can help first-time buyers and home movers take the next step.
At ScottishMortgages.com, we keep up to date with the latest support options so you don’t have to. Here’s our 2025–2026 guide to the main schemes worth exploring.
First Home Fund (Status: check for 2025 updates)
The First Home Fund has been a popular shared equity scheme for first-time buyers in Scotland.
- How it works: The government provides an equity loan to boost your deposit, typically up to a set limit.
- Who it helps: First-time buyers purchasing a new build or resale property.
- Why it matters: It can reduce the size of your mortgage and make you more attractive to lenders.
Tip: Funding rounds can fill up quickly, so be ready to apply early if the scheme reopens in 2025.
Low-Cost Initiative for First Time Buyers (LIFT)
The LIFT Open Market Shared Equity (OMSE) scheme lets you buy a home on the open market with the Scottish Government taking a stake of between 10% and 40%.
- Key benefits: Smaller deposit needed and lower mortgage.
- Eligibility: Primarily for first-time buyers, but also for priority groups such as disabled people and armed forces personnel.
- Repayment: You can increase your share over time and eventually own 100% of your property if you choose.
New Build Shared Equity Scheme
If you prefer a brand-new home, this scheme works similarly to LIFT but is specifically for new builds from participating developers.
- Support level: Government typically takes 15% to 40% equity share.
- Why it’s attractive: New builds often come with warranties and energy-efficient features, helping you save on running costs.
First Home Savings Account (FHSA) & ISAs
While not a “grant,” a First Home Savings Account or Lifetime ISA (LISA) can boost your deposit.
- Benefit: The government tops up your savings by 25% (up to annual limits).
- Flexibility: You can save over several years and combine this with other schemes.
Green & Energy Efficiency Grants
Looking to make your future home more energy-efficient?
The Scottish Government periodically offers Home Energy Scotland Grants and loans for insulation, heating upgrades, and renewables.
- These can reduce long-term costs and make lenders view your property as lower risk.
- Ideal for buyers planning to improve an older property.
How to Make the Most of These Schemes
1. Check eligibility early – Many have income or price caps and run on limited budgets.
2. Get a Decision in Principle – Lenders like to see your borrowing power before you apply.
3. Work with a mortgage adviser – An independent expert can help you combine these schemes with the right mortgage product.
Why Choose ScottishMortgages.com
- Independent, whole-market advice: We search hundreds of lenders and match you with the right product.
- Up-to-date local knowledge: We monitor Scottish Government announcements so you don’t miss funding opportunities.
- Stress-free process: We’ll handle the paperwork while you focus on planning your move.
Take the Next Step
If you’re considering buying your first home or moving up the property ladder, don’t leave free money or government support on the table.
Contact ScottishMortgages.com today for a free, no-obligation chat about which Scottish mortgage grants and schemes you could qualify for in 2025–2026.
Get your foot on the property ladder—and let the government give your deposit a helping hand.