Home Sweet Home Mortgage Services

🏡 LIFT IS NOW OPEN AGAIN! 🔑🏴󠁧󠁢󠁳󠁣󠁴󠁿

Great news for buyers across Scotland — the LIFT Open Market Shared Equity Scheme (OMSE) has officially reopened, with new property price thresholds for 2026/27.

But what actually is LIFT? 👇

LIFT is a Scottish Government shared equity scheme designed to help eligible buyers purchase a home on the open market when they can't afford the full purchase price themselves.

You fund as much of the purchase as you can through your mortgage and deposit, and the Scottish Government takes a shared equity stake in the property.

👀 Who could be eligible?
🔑 First-time buyers
🏠 Social renters
♿ People with a disability who can demonstrate a housing need
🎖️ Certain members and veterans of the armed forces
👤 People aged over 60 with a housing need

💷 New maximum property price thresholds are now in place across Scotland, and these vary depending on the area and size of property you're looking to buy.
So, if you've been looking at properties but thought buying was just outside your budget, it could be worth checking whether LIFT changes the numbers for you.
We can help you look at:

🏦 How much you could potentially borrow
💷 Your deposit and available funds
🏡 Your potential LIFT contribution
📍 The price limit for the area you're looking in
📊 What your overall buying budget could look like

📲 Want to find out if LIFT could work for you?

Book a free chat with Home Sweet Home Mortgage Services and we can look at your circumstances and mortgage options.

📧 [email protected]

homesweethomemortgages.co.uk


Your home may be repossessed if you do not keep up repayments on your mortgage.

🚨 We're Hiring! 🚨

Home Sweet Home Mortgage Services is looking for a Part Time Trainee Mortgage Adviser/ Administrator to join our friendly team in Inverness.

No previous mortgage experience? No problem! Full training will be provided.

This is a fantastic opportunity to start a rewarding career where you'll learn from experienced advisers, support clients through one of the biggest decisions of their lives, and develop the skills to progress within the industry.

We're looking for someone who is:

✔️ Friendly and professional
✔️ Organised and eager to learn
✔️ Great with people
✔️ Looking for a long-term career
✔️ Excellent communication and customer service skills
✔️ Strong organisational skills and great attention to detail
✔️ A positive attitude and a willingness to learn
✔️ Good IT skills and confidence using computers
✔️ A reliable, professional approach and the ability to work as part of a team

A genuine interest in property, finance or helping people achieve home ownership would be an advantage

If this sounds like you, or someone you know, we'd love to hear from you.
📍 Office based in Inverness

📧 To apply, please send your CV and a covering email telling us why you'd be a great fit to [email protected]

Please like, share and tag anyone who might be interested! 💙

🏡 The First Homes Fund is now open!

The Scottish Government's new First Homes Fund could provide eligible first-time buyers with up to £10,000 towards purchasing their first home.

✅ Up to £10,000 contribution
✅ Available on properties up to £300,000
✅ No monthly repayments on the Government's contribution
✅ No interest charges on the Government's contribution
✅ Available on existing homes and new builds
The contribution is provided as shared equity, meaning the Scottish Government will own a percentage of the property equivalent to their contribution.
You may be eligible if:
✔ You're a first-time buyer
✔ You're buying a property to live in as your main home
✔ The property costs £300,000 or less
✔ You're taking out a repayment mortgage

The scheme could be particularly helpful if you can afford the monthly mortgage payments but need additional support towards your purchase.
If you'd like to find out whether you may qualify and how much you could potentially borrow, get in touch.

📞 01463 710151
📧 [email protected]
🌐 www.homesweethomemortgages.co.uk
⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.
Mortgage eligibility, affordability and lending criteria apply.

🏡 NEW FIRST HOMES FUND COMING TO SCOTLAND 🏡

Big news for First Time Buyers 👏

The Scottish Government has announced that applications for the new First Homes Fund are expected to open by the end of June, helping eligible first-time buyers with up to £10,000 towards their deposit.

KEY DETAILS 👇
✔️ Up to £10,000 contribution towards your deposit
✔️ Available on properties up to £300,000
✔️ Open to first-time buyers across Scotland
✔️ Can be used for new build & existing homes
✔️ No monthly payments to the Scottish Government
✔️ No interest charged on the equity share
This new shared equity scheme is designed to help more people take their first step onto the property ladder — especially those struggling to save a large deposit 💙
📣 Demand is expected to be high, so get in touch now to get ahead of the crowd and start preparing early.
⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.

📧 [email protected]
📲 Book a free chat at www.homesweethomemortgages.co.uk/book-online
📞 Inverness: 01463 710151 | Fife: 01592 725370

🚨 NEW £5,000 DEPOSIT MORTGAGE LAUNCHING 🚨

Saving for a deposit is one of the biggest hurdles for First Time Buyers — but a new mortgage scheme launching from 18 May could help eligible buyers get onto the property ladder with just a £5,000 personal deposit 🏡

KEY DETAILS 👇
✔️ Minimum £5,000 personal deposit
✔️ Available up to £300,000 purchase price
✔️ Employed & self-employed considered
✔️ No minimum income requirement
✔️ 5 year fixed rate options available
✔️ Free standard valuation included

This could be a fantastic opportunity for buyers who thought homeownership was still out of reach 💙

⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.

Want to see if you could qualify?

📧 [email protected]
📲 Book a free chat at www.homesweethomemortgages.co.uk/book-online
📞 Inverness: 01463 710151 | Fife: 01592 725370
📱 WhatsApp: 07777786814