Lothian Mortgage Service

Offering Impartial Mortgage Advice in Edinburgh and West Lothians

Phone Number: 0131 212 5006

Help to Buy Scheme

Do you want advice for the Help To Buy Scheme? Sometimes it can seem an impossible task to save enough for your first deposit. 

But if you take advantage of the expertise available as well as beneficial government schemes, you can secure your mortgage for a deposit of as little as 5%.

The government's Help to Buy scheme became available across the UK in 2013, with some minor differences in application between England and Scotland. 

The scheme allows you to combine a 15% equity loan on the property, which the government provides, with a 5% deposit on your new home.  This means you'll only need a mortgage of 80% on your home.  

The process can seem overwhelming but we have qualified experts in the mortgage industry here to help you. We can handle all the arrangements, including liaising with the solicitors, builders and lenders on your behalf, so that you can watch your dream become a reality with genuine peace of mind.


Is Help to Buy only for new builds?

Yes, the scheme is exclusively available to new build properties up to the value of £600,000 in England; £300,000 in Wales, and £200,000 in Scotland.


How do I qualify for Help to Buy?

Contrary to many people's preconceptions, the Help to Buy scheme is available to benefit both first-time buyers and pre-existing homeowners, provided your new home is your only place of residence on completion. 

The process can seem confusing but with the right help fighting your corner, from the lawyers' office to the building site, we have the contacts and advisers to make the journey into your new home a smooth one for you.