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News

  • New rules for the Home Owners' Support Fund effective 1 April 2015 for new applications
  • End of Term Pilot extended until 30 June 2016
  • Our office moved on Monday 14 March to Atlantic Quay, 5th Floor, 150 Broomielaw, Glasgow, G2 8LU
  • MTSE guidance now available for money advisers

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Home Owners' Support Fund

The Scottish Government’s Home Owners' Support Fund (HOSF) helps home owners who are experiencing difficulty in paying a mortgage or any loans that are secured against their property.

HOSF has two schemes to help home owners:

  • the Mortgage to Rent scheme
  • the Mortgage to Shared Equity scheme

Who are You?

I'm a Home Owner

If you are in danger of losing your home we may be able to help. Information about our schemes.

I'm a Trustee

If your client has entered into a Trust Deed, or has been sequestrated, you will find information in this section about HOSF.

I'm a Money Adviser

Helping a client with an application to the Home Owners' Support Fund? Information and guidance.

I'm a Lender

If your customer is in arrears with their secured loan and has applied to the Home Owners' Support Fund, this section gives details of what this means for you.

I'm a Social Landlord

Landlord interested in buying a property through the Mortgage to Rent scheme? Here's guidance.

Useful Information

Information Book

Downloadable documents:

Title:Home Owners' Support Fund
Description:The Home Owners’ Support Fund (HOSF) provides help to home owners in financial difficulty through the Mortgage to Rent (MTR) and Mortgage to Shared Equity schemes.
File:Information Booklet for Home Owners [PDF, 190.3 kb: 17 Apr 2015]
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File:Information Booklet - Large Print [DOCX, 70.8 kb: 09 Dec 2015]
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Application form, signature pages and mandates

Downloadable documents:

Title:Home Owners' Support Fund
Description:The Home Owners’ Support Fund (HOSF) provides help to home owners in financial difficulty through the Mortgage to Rent (MTR) and Mortgage to Shared Equity schemes.
File:Home Owner - Signing the application [PDF, 447.8 kb: 01 Apr 2015]
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File:Home Owner - Allowing us to share information [PDF, 1176.7 kb: 01 Apr 2015]
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File:Money Adviser declaration [PDF, 369.4 kb: 01 Apr 2015]
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File:Electronic Application Form [PDF, 256.8 kb: 14 Apr 2015]
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