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Housing services

Buying a Home

This section provides advice for people who are interested in buying a home.

Buying a Home

What does buying a home involve?

Buying a property (usually through a mortgage) is where you become the owner of the property.

Mortgage: You will have to get agreement from a lender (i.e. bank or building society) first, to provide you with the mortgage you need to buy a home. This will let you know the maximum price of a property that you are able to purchase.

Deposit: In most cases, your lender will also expect you to have a deposit of up to 20% of the property's value to contribute to the cost of purchase. It can be very difficult to find this deposit, especially for first time buyers, so you should consider how you will find or save for this deposit in advance.

Getting advice: You should always seek independent legal and financial advice about home buying at an early stage in the process. You will need to appoint a solicitor to work on your behalf if you are purchasing a property.

Home Report

Home Report: A Home Report should now be available for any house which is on sale, and allows you to make a decision on whether this property is of interest to you. This includes details of the survey undertaken on the condition of the property, energy performance rating and the estimated market value of the property.

In some cases your mortgage lender may insist that a further survey is carried out before agreeing to assist you with the purchase.

Further information on how the Home Report works and its different elements - single survey, energy report and property questionnaire - can be found on the Home Report page of the Scottish Government website.

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