Housing Options Guide 4
Section 4. Home ownership
Scotland Self Build Loan Fund
The Scottish Government are providing a fund which will offer loans of up to £175,000 to help with construction fees for self-build projects. The fund is time limited and the closing date for applications is 31 August 2025. The fund cannot be used to buy land and you must show that you cannot access a loan from a bank to cover the construction costs. The loan should be repaid by 31 August 2026. You must own the land you are going to build on or have a contract in place to buy the land. Planning permission and a building warrant should also be in place to allow the work to start.
The fund is administered by Communities Housing Trust on behalf of the Scottish Government. If you would like to know more about the fund, download the self-build information brochure, or apply for the fund, contact Communities Housing Trust for an application form:
Phone: 01463 572 030
Email: selfbuild@chtrust.co.uk
Scheme of Assistance
The Scheme of Assistance helps homeowners and private tenants look after their homes, and sets out the forms of assistance that may be available to help them repair, maintain, improve or adapt their homes.
More information on the Scheme of Assistance can be found on Section 3b of this guide or in our leaflet.
Moray HandyPerson Service
If you are a homeowner or private tenant and need assistance with smaller jobs in the home, the Moray HandyPerson Service may be able to help . This is a charity run by volunteers who have all been security checked and trained. They can visit your home and carry out certain small jobs which could help you to stay safe and independent in your own home.
They can help with a number of jobs such as:
- Changing light bulbs
- Fitting draught excluders, curtain rails and hanging curtains
- Replacing toilet seats
- Assembling flat pack furniture
- Personal toenail trimming service
- Decluttering your home
They can also help with pet care or shopping in certain circumstances, if you are unwell or have just come home from hospital.
The Moray HandyPerson Service can be contacted on 01343 559739.
Use the following links for more information on:
4a. Shared ownership
4b. Empty homes