Grants administered under Scottish Self-Build loan fund: EIR release

Information requested

1. Figures relating to grants administered under the Scottish Self-Build Loan Fund since its implementation to date, broken down by rural versus urban-based applications.

2. Applications in rural areas broken down by a) type b) projected costs c) location.

Response

Below is a copy of all the information requested. 

1. To 20 September 2021, 67 applications have been made to the national Self Build Loan fund with 32 loans issued to applicants. As previously discussed and agreed, we have used the six fold urban rural classification system to define rural areas. For the 6-fold classification those with a value 1 - 4 are classed as urban and those with a value 5 - 6 are classed as rural.

Class	Class Name	Description
1	Large Urban Areas	Settlements of 125,000 people and over.
2	Other Urban Areas	Settlements of 10,000 to 124,999 people.
3	Accessible Small Towns	Settlements of 3,000 to 9,999 people, and within a 30 minute drive time of a Settlement of 10,000 or more.
4	Remote Small Towns	Settlements of 3,000 to 9,999 people, and with a drive time of over 30 minutes to a Settlement of 10,000 or more.
5	Accessible Rural Areas	Areas with a population of less than 3,000 people, and within a 30 minute drive time of a Settlement of 10,000 or more.
6	Remote Rural Areas	Areas with a population of less than 3,000 people, and with a drive time of over 30 minutes to a Settlement of 10,000 or more.

Of the 32 loans issued, 29 are classified as located in a rural area.

2. For applications to the fund in rural areas, a) by type, data is presented for those in receipt of loans only and cannot be split by urban/rural location.
Joint applicant - 21
single - 8

b) Projected costs by rural area are for borrowers issued with loans only. Total loans committed = £4.805 million. Average loan amount = £165,690. Modal loan offered = £175,000

c) Location of those in receipt of loan.

	Total Applications (rural and urban)	Loans issued (total)	Loans issues (rural areas)
Highland	25	12	11
Comhairle nan Eilean Siar	11	6	5
Argyll & Bute	5	2	2
Orkney	4	1	1
Aberdeenshire	4	3	3
South Lanarkshire	4	3	2
Perth & Kinross	3	1	1
Shetland	3	1	1
Stirling	2	2	2
North Ayrshire	2	1	1
Angus	1	0	0
Fife	1	0	0
Falkirk	1	0	0
Midlothian	1	0	0
East Ayrshire	1	0	0
Total	67	32	29

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