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Help to Buy Scotland

With the Help to Buy equity loan, you could upgrade to a beautiful David Wilson home with just a 5% deposit. Here, we explain how the scheme works, use our Help to Buy calculator to see just how far a 5% deposit could stretch.

What is Help to Buy Scotland?

Help to Buy Scotland is a Government-backed scheme that enables you to buy a brand-new David Wilson home. 

  • You only need a 5% deposit. 
  • It’s an interest-free equity loan for up to 15% of the value of your property.
  • You may only need to secure an 80% mortgage


Does my new home qualify?

Help to Buy Scotland is available on David Wilson homes up to the value of £200,000.

The scheme works slightly differently throughout the UK. View our location-specific pages to find out how Help to Buy works where you are. This page provides information about Help to Buy in Scotland.  

Help to Buy England           Help to Buy Wales

How does it work?

  • You only need a 5deposit for your new home 
  • The Government provides a ‘Help to Buy Equity Loan” for up to 15% of the value of the property
  • This loan is interest free for 5 years and can be repaid at any time within 25 years or on the sale of your home
  • You then need to secure up to a 75% mortgage
  • Competitive mortgage rates are available, and we can introduce you to a (potentially fee-free) New Home Mortgage Adviser who’ll search the market to find you a great deal.

Who is eligible?

Help to Buy Scotland is available to both first time buyers AND existing homeowners.

However, there are a few important conditions:

  • the home you buy must be your only residence
  • the scheme isn’t available to buy-to-let investors or those who will own any other property after they complete.


Call us on 0330 057 2222 and we can introduce you to a New Homes Mortgage Adviser, who will tell you if you qualify for the scheme.



Watch: Help to Buy Explained

Watch our short video, which explains exactly how Help to Buy works in Scotland.

Be Inspired: See where Help to Buy Scotland could take you

Use our Help to Buy calculator to see the luxury a 5% deposit could afford you, then start browsing the beautiful David Wilson homes in Scotland.


Help to Buy calculator

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. This calculator is provided for guidance only; David Wilson Homes does not offer mortgage advice. Subject to full affordability checks, you may qualify for a higher equity loan amount from the government. You should take advice from a suitably qualified adviser before agreeing to a mortgage. Help to Buy not available on part buy, part rent homes for sale under the Home Reach scheme.

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Use the search bar at the bottom of the page to book an appointment at a development near you.

Click here for the full Terms and Conditions.


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