Lifetime ISA (LISA)
Save up to £4,000/year, the government adds 25% (up to £1,000/year). Can be used towards a first home purchase. You must open one before age 40 and the home must cost under £450,000.
Help to Buy: Scotland
The Scottish Government offers shared equity schemes for first-time buyers. Check mygov.scot for current schemes, as these change regularly.
What 'Buying' Actually Involves
In Scotland the legal process is called conveyancing, handled by a solicitor. You'll need: a mortgage agreement in principle, a solicitor, a survey of the property, and a deposit (typically 5–10%). Budget for: legal fees (~£1,000–£1,500), Land and Buildings Transaction Tax (LBTT — Scotland's equivalent of stamp duty), and moving costs.