Help to buy scotland

harttohart27

Hi, we bought our house in 2014 we were offered help to buy which we eventually agreed to
when we purchased the house in 2014 we paid £285,000 and used 20% help to buy which worked out at £57,000. 
we know wish to buy the 20% back which will now cost us £100,000 as we have have upgraded the property, i feel this is like legal money  lending as if we had got a loan we would not have paid that much interest, is there anything i can do to cut the amount i have to repay.

feynman33

I doubt theres anything you can do the rules will be the same for everybody, i used the shared equity scheme in Scotland and the government took their 20% back when i sold, as they should. It also doesn't look too unreasonable just based on average house price increases over a decade, regardless of any upgrading. You would have had no ability to get a 57k loan, hence using help to buy, and the implications of spending on upgrades before buying back should have been carefully concidered at the time.