Housing policy can be directly linked to economic growth. We have developed a range of schemes to help first-time buyers buy their first property, and help existing homeowners move home.


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Low-cost Initiative for First Time Buyers (LIFT) shared equity schemes help first-time buyers on low to moderate incomes to buy a home. There are two main shared equity schemes:

The Help to Buy (Scotland) schemes are shared equity schemes designed to help first-time buyers, and existing homeowners, to buy a new-build home from a home builder who is registered with the scheme. There are two Help to Buy schemes:

  • Help to Buy (Scotland) – helps first time buyers and existing homeowners to buy new-build homes in Scotland from a participating home builder
  • Help to Buy Small Developers – helps people buy a new-build home from small and medium-sized house builders

You can find further information on the Home Report and apply for the LIFT and Help to Buy schemes at

The First Home Fund shared equity scheme aims to help first-time buyers purchase a property that meets their needs and is located in the area where they want to live. It is open to all first-time buyers in Scotland and there are no restrictions on the type of property you can purchase through the scheme. An evaluation of the First Home Fund has been published:

An evaluation of the Scottish Government's shared equity schemes has been published.

Privacy notice relating to Scottish Government shared equity schemes.

Bills and legislation

The following legislation relates to the Home Report:

  • Part 3 of the Housing (Scotland) Act 2006 gives Ministers power to set regulations about the documents that need to be made available when a property is marketed for sale in Scotland.
  • the Housing (Scotland) Act 2006 (Prescribed Documents) Regulations 2008 sets out the documents sellers must give to potential buyers: the Single Survey, an Energy Report and a Property Questionnaire, which together form the Home Report. It also states the penalty for not doing so.
  • the Housing (Scotland) Act 2006 (Consequential Provisions) Order 2008. For the single survey to work, buyers must be able to rely on it. If buyers suffer a material loss due to a mistake in the Home Report, the surveyor will be liable to pay them damages. Sellers can also hold surveyors responsible for any problems with the survey.



Post: Scottish Government
Housing and Social Justice Directorate
Victoria Quay

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