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Home-buying government schemes in 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. Take a look at the options below to see if there’s a scheme that suits your needs.

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. That means you don’t need to save as big a deposit or get as big a mortgage as you otherwise would.

There are limits on the size and price of the type of property you can buy through the LIFT scheme. For example, if the property has too many bedrooms, it might not qualify. The LIFT schemes are operated by Link on behalf of the Scottish government, you can find out more on their website below.

LIFT scheme

We offer mortgages for homebuyers participating in the Open Market Shared Equity Scheme (OMSE) LIFT scheme (you own the majority share of the property and the government owns the rest). We offer LIFT on second-hand houses, not new builds. You can find out more about the OMSE scheme on the Scottish government website below.

OMSE Scheme

Your home may be repossessed if you do not keep up repayments on your mortgage.

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.


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