Want to buy a property? We could give you a helping hand. Take a look at the schemes below to find out if they're suitable for you.

Shared equity

We offer the LIFT shared equity scheme in partnership with the Scottish Government. This makes buying a new home much easier.

If you're a first time buyer or on a low income, you may be able to buy a majority share of a property and the Scottish Government will hold the remaining share under a shared equity agreement.

The amount you pay for a property will depend on your income and any savings you have. You may be eligible to buy between 60% to 80% of the full value of the property. You may qualify for this scheme if your income fits the criteria set by your local authority.

Shared ownership

Shared ownership means you can start to buy your home now - even if you can't afford it all in one go.

You simply buy a 25%, 50% or 75% share in your home and pay a modest occupancy charge on the remaining share. This allows you to choose a mortgage amount that's affordable. When your financial circumstances change you can increase your share until you own your home outright.

Am I eligible?

Shared ownership is targeted at groups earning below average incomes who are unable to buy on the open market. This includes:

• first-time buyers
• council and housing association/co-op tenants
• applicants on council and housing association/co-op waiting lists
• applicants leaving or who left the armed forces within the past year including widows, widowers and other partners of service personnel.

You may be eligible to buy a shared ownership property if your household income is in the region of £36,000.

Want to know more?

Contact the home finder team on 0131 657 0600.

Outright sale

We often offer properties for outright sale. Contact the home finder team to find out more on 0131 657 0600.