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Bancon Homes can assist with buying your new home ranging from helping with your deposit to taking over the burden of selling your present home. We make moving simple.

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What is Help to Buy?

The Help to Buy (Scotland) Scheme is a Scottish Government scheme to help you to buy a new build home from Bancon Homes with as little as 5% deposit.

Who is it for?
Help to Buy is available on homes up to the value of £200,000 The ‘Help to Buy Equity Loans’ are available to everyone, whether you’re a first time buyer or an existing homeowner who’s looking to move up the property ladder.

How does it work?
The Government will lend you up to 20% of the value of your new build Bancon home up to the value of £200,000 through an interest free equity loan for five years. This means you’ll only need to secure a 80% mortgage with a 5% deposit.

How do I know if I’m eligible?
In the first instance you will need to contact Bancon Homes or the Sales Consultant at the development that you are interested in. You will then be referred to our independent financial advisors who will put you in touch with one of the agents who administers the scheme so that you can complete an application form and submit this to the agents. The agent will then contact you to let you know if your application is eligible.

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Example of Scottish New Build Shared Equity Home Ownership

Purchase price of new home150,000100
Mortgage obtained by buyer of 75%112,50075
Buyer pays a 5% deposit7,5005
Total Contribution from buyer120,00080
Scottish Government Assistance of a 20% equity stake30,00020

Shared Equity Graph

You should ensure that you have funds to pay for the following:

  • Reservation fee if required
  • Deposit of 5% of full purchase price of the property
  • Any other relevant fees that you will need to pay such as LBTT, legal fees, registration fees

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Terms & conditions apply and full details will be provided on request. This offer is subject to the status of the applicant.
Your mortgage lender is likely to require you contribute a deposit of 5% of the full purchase price and your mortgage and deposit must cover a combined minimum 80% of the total purchase price. Your mortgage from a qualifying lender must be a repayment mortgage and you are not permitted to buy a Help to Buy (Scotland) scheme property with an interest-only first mortgage.


Exchange your property for a brand new Bancon home with our Part Exchange service* and take the uncertainty and stress out of moving. There’s no marketing or estate agent fees and you’ll receive a fair offer based on an independent valuation.

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Your Part Exchange Guide

Step 1

Select your dream home
It couldn’t be easier, speak to one of our Sales Consultants to find out if the Bancon home you are interested in is included in our Part Exchange service.

Step 2

Find out if you qualify
Once we confirm that the Bancon home you wish to purchase qualifies for Part Exchange we will arrange for an independent valuation of your property to be carried out. If your property qualifies you could receive an offer from Bancon Homes within 48 hours. To reassure you all of our offers are supported by a detailed Valuation Report.

Step 3

Agreement made
Once we have agreed to Part Exchange your property you can sit back and relax and simply look forward to moving into your new Bancon home. We take responsibility for putting your property on the market, which means you don’t have to worry about any marketing or estate agent fees. We look after everything for you including your Home Report.

Step 4

We are here for you all the way
From this point forward your Sales Consultant will guide you step-by-step through the process of buying your new Bancon home and will be on hand to answer any questions you may have and ensure that the process is a smooth one for you. You could even be in your new Bancon home in as little as five weeks.
*Part exchange is available on selected plots only and will be subject to Bancon Homes’s criteria, terms and conditions.

Assisted Sales

We at Bancon Homes can help to Sell Your Existing Home through our Assisted Sales service.
We fully understand that selling your existing home can be time consuming when you are already busy with your day to day life. That is why we can assist you in selling your current home. Our marketing service will provide extra support . We will arrange to value and market your home, and manage the sale through a mutually agreed selling agent. This leaves you free to concentrate on buying your new Bancon home with the knowledge that your house sale is in expert hands.

Our support to sell your existing home offer is currently available on selected developments and selected plots only. Subject to status and availability, terms and conditions apply. Please ask us for full details.

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