Scottish Government
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Home ownership support scheme reopens

Help for first-time buyers across the country on low to medium incomes.

A scheme to help first time buyers and certain priority groups step on to the property ladder has reopened for applications.

The Open Market Shared Equity (OMSE) scheme is available across Scotland to first-time buyers on low or medium incomes who cannot afford the full price of a home.

Successful applicants will be able to buy a home without having to purchase it in full, usually between 60% and 90% of the property’s value, with the Scottish Government owning the remaining share.

Social Justice Secretary Shirley-Anne Somerville said:

“Taking the first step on to the property ladder can be difficult for some, especially during the cost of living crisis where we have seen inflation and interest rates push house prices up.

“We recognise that and by reopening the OMSE scheme we are giving help to as many people as possible to own an affordable home by creating a level playing field with other buyers.

“I would encourage anyone who is either a first-time buyer or in one of the priority groups to consider applying through the scheme.”


Apply here

Selected groups eligible for support from the OMSE scheme include:

  • people aged 60 and over
  • first time buyers
  • social renters (people who rent from the council or a housing association)
  • disabled people
  • members of the armed forces
  • veterans who have left the armed forces within the past two years
  • widows, widowers and other bereaved partners of service personnel for up to two years after their partner has lost their life while serving


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