The Scottish Government continues to introduce policies to improve housing accessibility, affordability, and sustainability. These initiatives are supporting first-time buyers, stabilising property prices, and encouraging long-term investment in Scotland’s housing market. 

Access to affordable homeownership 

A strong commitment to increasing affordable housing supply has positioned Scotland ahead of other UK nations. Between 2007 and 2020, Scotland delivered a third more affordable homes per capita than England and three-quarters more than Wales. This has helped more homebuyers get onto the property ladder while maintaining market stability. 

The First Home Fund, a shared equity scheme, has provided first-time buyers with up to £25,000 towards purchasing a home. While temporarily paused due to high demand, the scheme highlights the government’s dedication to making homeownership more accessible. 

Balancing supply and demand through tax adjustments 

Scotland’s land and buildings transaction tax (LBTT) has been adjusted to support buyers, with first-time buyers benefiting from a higher tax-free threshold of £175,000. Additionally, changes to the Additional Dwelling Supplement, which increased to 6%, have prioritised primary homebuyers by discouraging speculative purchases of second homes. These measures help create a fairer and more stable market. 

Driving sustainable homeownership 

The government initiatives are also supporting greener homeownership. Incentives for energy-efficient upgrades and upcoming minimum EPC standards are ensuring homes are more cost-effective to run. Buyers are increasingly choosing properties with sustainable features, leading to long-term savings and enhanced property values. 

A resilient and positive property market 

Scotland’s property market remains resilient, with demand for homes continuing to grow. Despite wider economic challenges, government policies are helping buyers by expanding affordability schemes, ensuring a stable housing supply, and encouraging long-term investment. 

With ongoing government support and policies designed to strengthen affordability, Scotland’s property market remains a great place for buyers and investors. Those looking to purchase a home in 2025 can benefit from these initiatives, making it an exciting time to take the next step onto the property ladder. 

Take advantage of Scotland’s strong housing market