{"id":11306,"date":"2026-05-31T08:02:30","date_gmt":"2026-05-31T08:02:30","guid":{"rendered":"https:\/\/second-home.uk\/?p=11306"},"modified":"2026-05-31T08:02:30","modified_gmt":"2026-05-31T08:02:30","slug":"scotland-launches-10000-shared-equity-scheme-for-buyers","status":"publish","type":"post","link":"https:\/\/second-home.uk\/?p=11306","title":{"rendered":"Scotland launches \u00a310,000 shared equity scheme for buyers"},"content":{"rendered":"

The Scottish Government has launched a shared-equity scheme offering interest-free loans of \u00a310,000 to first-time buyers, aimed at addressing deposit barriers in the property market.<\/p>\n

The First Homes Fund will be available for purchases of both new-build and older properties valued up to \u00a3300,000. The initial phase is expected to support 2,000 households from next month, with plans to assist 50,000 households over the course of the current parliamentary term.<\/p>\n

Scheme structure<\/h2>\n

Under the programme, the government will hold an equity share in the property, though the homeowner will retain ownership and title. No monthly payments or interest charges will apply, with the government\u2019s percentage equity share typically repaid upon sale of the property.<\/p>\n

Shirley-Anne Somerville, Cabinet Secretary for Social Justice and Housing, told Parliament that home ownership has become increasingly difficult for younger people and first-time buyers. \u201cPeople are saving what they can but finding that the cost of a deposit is simply too great a barrier,\u201d she said.<\/p>\n<\/p>\n

Broader housing investment<\/h2>\n

The fund forms part of a wider housing programme backed by \u00a34.9 billion in affordable housing investment over the next four years. The scheme represents a policy response to deposit affordability challenges affecting potential buyers across Scotland.<\/p>\n

The initiative comes as landlords have been tightening tenant selection criteria<\/a> in response to recent regulatory changes, potentially affecting rental market dynamics. Meanwhile, rental income has risen significantly<\/a> across the UK property market.<\/p>\n

The scheme\u2019s impact on Scotland\u2019s housing market will depend on uptake levels and whether the \u00a310,000 contribution proves sufficient to bridge the deposit gap for buyers in higher-priced areas approaching the \u00a3300,000 threshold.<\/p>\n","protected":false},"excerpt":{"rendered":"

The Scottish Government has launched a shared-equity scheme offering interest-free loans of \u00a310,000 to first-time buyers, aimed at addressing deposit barriers in the property market. The First Homes Fund will be available for purchases of both new-build and older properties valued up to \u00a3300,000. The initial phase is expected to support 2,000 households from next […]<\/p>\n","protected":false},"author":1,"featured_media":2335,"comment_status":"","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[2],"tags":[],"class_list":["post-11306","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-second-home"],"yoast_head":"\nScotland launches \u00a310,000 shared equity scheme for buyers - Second Home<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.propertywire.com\/news\/scotland-launches-10000-shared-equity-scheme-for-buyers\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Scotland launches \u00a310,000 shared equity scheme for buyers - Second Home\" \/>\n<meta property=\"og:description\" content=\"The Scottish Government has launched a shared-equity scheme offering interest-free loans of \u00a310,000 to first-time buyers, aimed at addressing deposit barriers in the property market. The First Homes Fund will be available for purchases of both new-build and older properties valued up to \u00a3300,000. The initial phase is expected to support 2,000 households from next […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.propertywire.com\/news\/scotland-launches-10000-shared-equity-scheme-for-buyers\/\" \/>\n<meta property=\"og:site_name\" content=\"Second Home\" \/>\n<meta property=\"article:published_time\" content=\"2026-05-31T08:02:30+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/08\/0f85f797-f0ae-46f8-94d4-51a5d4176222_9e3500b5.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1280\" \/>\n\t<meta property=\"og:image:height\" content=\"720\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"admin\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"admin\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/news\\\/scotland-launches-10000-shared-equity-scheme-for-buyers\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/second-home.uk\\\/?p=11306\"},\"author\":{\"name\":\"admin\",\"@id\":\"https:\\\/\\\/second-home.uk\\\/#\\\/schema\\\/person\\\/4d1b4955add7c14742a3be9aaae12292\"},\"headline\":\"Scotland launches \u00a310,000 shared equity scheme for buyers\",\"datePublished\":\"2026-05-31T08:02:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/second-home.uk\\\/?p=11306\"},\"wordCount\":269,\"image\":{\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/news\\\/scotland-launches-10000-shared-equity-scheme-for-buyers\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/second-home.uk\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/0f85f797-f0ae-46f8-94d4-51a5d4176222_9e3500b5.jpg\",\"articleSection\":[\"Second Home\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/second-home.uk\\\/?p=11306\",\"url\":\"https:\\\/\\\/www.propertywire.com\\\/news\\\/scotland-launches-10000-shared-equity-scheme-for-buyers\\\/\",\"name\":\"Scotland launches \u00a310,000 shared equity scheme for buyers - Second Home\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/second-home.uk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/news\\\/scotland-launches-10000-shared-equity-scheme-for-buyers\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/news\\\/scotland-launches-10000-shared-equity-scheme-for-buyers\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/second-home.uk\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/0f85f797-f0ae-46f8-94d4-51a5d4176222_9e3500b5.jpg\",\"datePublished\":\"2026-05-31T08:02:30+00:00\",\"author\":{\"@id\":\"https:\\\/\\\/second-home.uk\\\/#\\\/schema\\\/person\\\/4d1b4955add7c14742a3be9aaae12292\"},\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/news\\\/scotland-launches-10000-shared-equity-scheme-for-buyers\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.propertywire.com\\\/news\\\/scotland-launches-10000-shared-equity-scheme-for-buyers\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/news\\\/scotland-launches-10000-shared-equity-scheme-for-buyers\\\/#primaryimage\",\"url\":\"https:\\\/\\\/second-home.uk\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/0f85f797-f0ae-46f8-94d4-51a5d4176222_9e3500b5.jpg\",\"contentUrl\":\"https:\\\/\\\/second-home.uk\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/0f85f797-f0ae-46f8-94d4-51a5d4176222_9e3500b5.jpg\",\"width\":1280,\"height\":720},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.propertywire.com\\\/news\\\/scotland-launches-10000-shared-equity-scheme-for-buyers\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/second-home.uk\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Scotland launches \u00a310,000 shared equity scheme for buyers\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/second-home.uk\\\/#website\",\"url\":\"https:\\\/\\\/second-home.uk\\\/\",\"name\":\"Second Home\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/second-home.uk\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/second-home.uk\\\/#\\\/schema\\\/person\\\/4d1b4955add7c14742a3be9aaae12292\",\"name\":\"admin\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/be5e1ed89eef5f3974748e7fc92985bcfb2b595ca712f48dda78b019b41e95f3?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/be5e1ed89eef5f3974748e7fc92985bcfb2b595ca712f48dda78b019b41e95f3?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/be5e1ed89eef5f3974748e7fc92985bcfb2b595ca712f48dda78b019b41e95f3?s=96&d=mm&r=g\",\"caption\":\"admin\"},\"sameAs\":[\"https:\\\/\\\/second-home.uk\"],\"url\":\"https:\\\/\\\/second-home.uk\\\/?author=1\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Scotland launches \u00a310,000 shared equity scheme for buyers - Second Home","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.propertywire.com\/news\/scotland-launches-10000-shared-equity-scheme-for-buyers\/","og_locale":"en_US","og_type":"article","og_title":"Scotland launches \u00a310,000 shared equity scheme for buyers - Second Home","og_description":"The Scottish Government has launched a shared-equity scheme offering interest-free loans of \u00a310,000 to first-time buyers, aimed at addressing deposit barriers in the property market. The First Homes Fund will be available for purchases of both new-build and older properties valued up to \u00a3300,000. The initial phase is expected to support 2,000 households from next […]","og_url":"https:\/\/www.propertywire.com\/news\/scotland-launches-10000-shared-equity-scheme-for-buyers\/","og_site_name":"Second Home","article_published_time":"2026-05-31T08:02:30+00:00","og_image":[{"width":1280,"height":720,"url":"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/08\/0f85f797-f0ae-46f8-94d4-51a5d4176222_9e3500b5.jpg","type":"image\/jpeg"}],"author":"admin","twitter_card":"summary_large_image","twitter_misc":{"Written by":"admin","Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.propertywire.com\/news\/scotland-launches-10000-shared-equity-scheme-for-buyers\/#article","isPartOf":{"@id":"https:\/\/second-home.uk\/?p=11306"},"author":{"name":"admin","@id":"https:\/\/second-home.uk\/#\/schema\/person\/4d1b4955add7c14742a3be9aaae12292"},"headline":"Scotland launches \u00a310,000 shared equity scheme for buyers","datePublished":"2026-05-31T08:02:30+00:00","mainEntityOfPage":{"@id":"https:\/\/second-home.uk\/?p=11306"},"wordCount":269,"image":{"@id":"https:\/\/www.propertywire.com\/news\/scotland-launches-10000-shared-equity-scheme-for-buyers\/#primaryimage"},"thumbnailUrl":"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/08\/0f85f797-f0ae-46f8-94d4-51a5d4176222_9e3500b5.jpg","articleSection":["Second Home"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/second-home.uk\/?p=11306","url":"https:\/\/www.propertywire.com\/news\/scotland-launches-10000-shared-equity-scheme-for-buyers\/","name":"Scotland launches \u00a310,000 shared equity scheme for buyers - Second Home","isPartOf":{"@id":"https:\/\/second-home.uk\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.propertywire.com\/news\/scotland-launches-10000-shared-equity-scheme-for-buyers\/#primaryimage"},"image":{"@id":"https:\/\/www.propertywire.com\/news\/scotland-launches-10000-shared-equity-scheme-for-buyers\/#primaryimage"},"thumbnailUrl":"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/08\/0f85f797-f0ae-46f8-94d4-51a5d4176222_9e3500b5.jpg","datePublished":"2026-05-31T08:02:30+00:00","author":{"@id":"https:\/\/second-home.uk\/#\/schema\/person\/4d1b4955add7c14742a3be9aaae12292"},"breadcrumb":{"@id":"https:\/\/www.propertywire.com\/news\/scotland-launches-10000-shared-equity-scheme-for-buyers\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.propertywire.com\/news\/scotland-launches-10000-shared-equity-scheme-for-buyers\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.propertywire.com\/news\/scotland-launches-10000-shared-equity-scheme-for-buyers\/#primaryimage","url":"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/08\/0f85f797-f0ae-46f8-94d4-51a5d4176222_9e3500b5.jpg","contentUrl":"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/08\/0f85f797-f0ae-46f8-94d4-51a5d4176222_9e3500b5.jpg","width":1280,"height":720},{"@type":"BreadcrumbList","@id":"https:\/\/www.propertywire.com\/news\/scotland-launches-10000-shared-equity-scheme-for-buyers\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/second-home.uk\/"},{"@type":"ListItem","position":2,"name":"Scotland launches \u00a310,000 shared equity scheme for buyers"}]},{"@type":"WebSite","@id":"https:\/\/second-home.uk\/#website","url":"https:\/\/second-home.uk\/","name":"Second Home","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/second-home.uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/second-home.uk\/#\/schema\/person\/4d1b4955add7c14742a3be9aaae12292","name":"admin","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/be5e1ed89eef5f3974748e7fc92985bcfb2b595ca712f48dda78b019b41e95f3?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/be5e1ed89eef5f3974748e7fc92985bcfb2b595ca712f48dda78b019b41e95f3?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/be5e1ed89eef5f3974748e7fc92985bcfb2b595ca712f48dda78b019b41e95f3?s=96&d=mm&r=g","caption":"admin"},"sameAs":["https:\/\/second-home.uk"],"url":"https:\/\/second-home.uk\/?author=1"}]}},"jetpack_featured_media_url":"https:\/\/second-home.uk\/wp-content\/uploads\/2025\/08\/0f85f797-f0ae-46f8-94d4-51a5d4176222_9e3500b5.jpg","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/second-home.uk\/index.php?rest_route=\/wp\/v2\/posts\/11306","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/second-home.uk\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/second-home.uk\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/second-home.uk\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/second-home.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=11306"}],"version-history":[{"count":0,"href":"https:\/\/second-home.uk\/index.php?rest_route=\/wp\/v2\/posts\/11306\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/second-home.uk\/index.php?rest_route=\/wp\/v2\/media\/2335"}],"wp:attachment":[{"href":"https:\/\/second-home.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=11306"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/second-home.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=11306"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/second-home.uk\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=11306"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}