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LIFT Schemes Scotland

Saving for a home isn’t always easy, but there are government-backed schemes available in Scotland to help you on your journey to home-ownership.

Low-cost Initiative for First-Time Buyers (LIFT)

The LIFT schemes in Scotland allow you to receive between 10% and 40% towards the price of a home if you can’t afford to pay the full price yourself, as long as you’re eligible. You will own the majority share of the property and the government owns the rest. There are limits on the size and price of the type of property you can buy.

The LIFT schemes are operated by Link on behalf of the Scottish government, you can find out more on their website below.

LIFT schemes

We offer mortgages for homebuyers participating in the Open Market Shared Equity scheme (OMSE) LIFT scheme. These are existing houses on the open market and not new builds. You can find out more about the OMSE scheme on the Link website below.

OMSE scheme

You could lose your home if you don’t keep up your mortgage repayments.

Contact us

Want to know more about the mortgages we offer for participants of the Scottish government home ownership schemes? Talk to our mortgage team.


Call our friendly mortgage team for more information.

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