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    • Peacockdreams1
    • By Peacockdreams1 6th Sep 17, 8:51 PM
    • 1Posts
    • 0Thanks
    Help To Buy (Scotland) - First time buyer?
    • #1
    • 6th Sep 17, 8:51 PM
    Help To Buy (Scotland) - First time buyer? 6th Sep 17 at 8:51 PM
    Hi Folks,

    I'm looking for some advice on my current situation and eligibility to apply for help to buy schemes in Scotland.

    Around 4 years ago my ex partner and I bought a house with a joint mortgage. She put down the entire deposit with life savings and I was able to provide my own evidence of permanent employment and paid for all solicitor fees and home improvements jointly.

    Unfortunately we split up around 6 months after buying the place and I moved out as she wanted to remain in the property. Our solicitor and mortgage advisor told us that we weren't able to change any detail on the house until after 2 years of ownership.

    We waited for 2 years and after much paperwork and a small agreed settlement sum for me (around 2000 to cover furniture and home improvements I had contributed) - I was able to take my name off the house and mortgage and she got a new mortgage in her own name on the property.

    Fast forward to the present and i'm considering buying a place of my own using a help to buy scheme with a 6% deposit saved up - looking at all of these schemes they all seem to be for first time buyers only. Does this mean that despite the fact that I don't own any property currently I cannot apply for any of these schemes?

    Any help or advice on this matter would be greatly appreciated. I was planning on speaking to an independent mortgage advisor on my options but thought i'd try on here first.
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