Home Buying Schemes to get you moving
With a typical deposit requirement of 5% the Scottish Government Schemes are a great way to help you get onto the property ladder.
Our expert advisers can discuss which scheme is right for you and assist you through the whole process.
LIFT
First Homes Fund
Help to buy (Scotland)
LIFT
The Open Market Shared Equity Scheme is paused for new applications.
Low Cost Initiative for First Time Buyers is a Scottish Government shared equity scheme. It will assist you in being able to buy a home in Scotland without having to fund its entire cost. You’ll pay for the biggest share which is usually between 60% and 90% of the home’s cost and the Scottish Government will hold the remaining share under a shared equity agreement which it will enter into with you.
First Homes Fund
The Scottish Government First Homes Fund is open for applications.
The scheme will provide first-time buyers with an equity contribution of up to £10,000 to buy a home with a value of up to £300,000.
What is the First Homes Fund?
The Scottish Government contributes up to £10,000
Available on properties valued up to £300,000
Open to anyone who has never previously owned a property across Scotland
Applies to both new build and existing properties
Get in touch to find out more.
Help to buy (Scotland)
Closed for applications.
You are now departing from the regulatory site of Gail Reid Mortgage Services Ltd. Gail Reid Mortgage Services Ltd is not responsible for the accuracy of the information contained within the linked site.
What our clients have to say
June’26 – GC
Excellent, friendly, and approachable service. Great communications
June '26 JS
Responsive, informative and Danielle has been a pleasure to deal with.
May ’26 TP
Honestly everyone has been amazing, especially Danielle! Super helpful and made this process as easy as can be! Couldn’t recommend enough!!
May ’26 - AM
Nicola was absolutely lovely. She gave me lots of information and gave me time to process everything. From the initial contact Nicola was very professional, knowledgeable, and understanding.
Apr ’26 AM
Communication throughout the process was really good. Level of information provide during the process as well as always answering any questions I had. I couldn’t ask for anything more from Laura and her team at Gail Reid Mortgages.
April ’26 LS
Laura was most efficient and knowledgeable. Would definitely use her again in the future.
Apr 26 AS
Laura going the extra mile and working late to secure us a better rate. She also thoroughly explained to us everything which made us feel at ease with our decision.
Mar ‘ 26 BL
This is the second time I have used the firm for mortgage renewal deal and would happily use them a 3rd when the time comes.
Mar ’26 IC
Impossible to improve my dealings with the adviser – tenacity to find the right deal for me
Mar ’26 – FA
Nicola was so nice and efficient,. Made everything super smooth
Mar ’26 NM
It was all very professional and couldn`t ask for better
Feb ’26 JH
Danielle and Amy were fantastic to deal with, quick responses and kept us fully up to date. Great service!
Feb’26
We were really pleased with the excellent client care we received and the accessibility of the information provided. We will not hesitate to recommend their services to friends.
Feb '26 LF
Everyone I have dealt with have been polite, professional and very helpful. Nicola, especially, was a pleasure to deal with. Thank you very much for everything.
Jan ’26 CL
Throughout the whole process or arranging my mortgage my advisor Nicola Massie has been first-class. Every query I’ve had she has dealt with in a helpful and professional manner and has really helped with my understanding of the whole process.
Dec'25 JW
The customer service and regular updates. Friendly and knowledgeable on the products and services on offer
Dec’25 GL
Gail and her team were so helpful considering our lack of knowledge and were quick acting when we needed them. Accessible and incredibly helpful!
Nov'25 LS
Laura was amazing from the get go, very knowledgeable, but able to relay the sometimes complex information to me in a way I could fully understand. She returned calls and emails promptly, and was able to fit me in sometimes at short notice. The admin team were also prompt at passing on info and emailing quotes etc. All together, a fabulous team who I’d highly recommend.
Nov '25 GI
The application was dealt with professionally and efficiently and we were really happy with the whole process! Would definitely use again
Oct '25 JB
We had a tight deadline to get our leaving fee paid back to us and all staff worked very efficiently to meet this deadline for us. Danielle was emailing us outwith her hours of work and even when she was on holiday which gave us the best opportunity possible to meet this deadline.
Oct ’25 HC
Gail made a process which felt daunting very simple and clearly explained my options. I felt respected and listened to. Will definitely be using Gail Reid again!
Oct ‘ 25 TW
Laura was amazing she went above and beyond. explained everything to us and nothing was too much trouble. I wouldn’t go anywhere else for our mortgage. Thank you for all your help and support.
Nov '25 OA
My advisor was easily approachable and always ready to answer my numerous questions. My advisor explained everything to me the best way possible
Sep ’25 LS and GM
I am particularly pleased with the way Gail helped us understand the mortgage process and our options as first time buyers. She made it extremely easy to understand everything and we now feel really confident that we have the best mortgage for us. Thank you!
Aug ’25 NC
I’ve never used a mortgage broker before – will definitely use again. Without doubt, much easier… the service was so quick, easy and professional.
Aug ’25 CW
The communication with everyone from Gail Reid Mortgage Services was spectacular. There were regular updates given and it was really easy to get in touch with any concerns and questions I had.
Aug ’25 GB
Danielle provided an excellent service & secured a mortgage on our new home even with some hurdles to overcome. Very grateful for her help.
July ’25 BJ
As a first-time buyer this has been a totally new experience for me. I cannot believe how easy going it’s been working with Laura and the rest of the team at Gail Reid. Everything has been explained in full and in a way that made sense to me. I haven’t felt pushed one way or the other and have always been presented clear options with all pros and cons highlighted. All in all, I cannot thank Laura and the team enough for the experience so far!
July ’25 HS
The whole experience was a positive one and everything was explained to me and any questions I had were answered. I was made to feel very comfortable. My advisor and the admin team have been amazing and very responsive with communication.
July '25 IC
The adviser went above & beyond what could be reasonably expected.
