At a glance

• Mortgage to Shared Equity - the Scottish government buys a stake in the property so the owner can reduce their secured loan(s) 
• Mortgage to Rent - this allows a social landlord to buy the property, so the owner can continue to live in it as a tenant   

The schemes are run via the Home Owners? Support Fund.

At a glance

• Mortgage to Shared Equity - the Scottish government buys a stake in the property so the owner can reduce their secured loan(s) 
• Mortgage to Rent - this allows a social landlord to buy the property, so the owner can continue to live in it as a tenant   

The schemes are run via the Home Owners? Support Fund.

Why this is important for lenders

Lenders are required to treat homeowners facing mortgage payment difficulties positively and sympathetically and to make possession a matter of last resort. The schemes are consistent with that objective.