Home Owners' Support Fund: property thresholds guidance
- Last updated
- 31 October 2024 - see all updates
- Directorate
- Local Government and Housing Directorate
- Topic
- Housing
This guidance note sets out the property thresholds for the Home Owners’ Support Fund (HOSF) for 2024 and 2025.
The value of the properties accepted into the scheme must be no more than the maximum levels we have set in this guidance note. This is because any homeowner with a property above these thresholds may potentially be able to downsize. This value will be determined by our independent surveyors.
The property thresholds in this guidance note apply to applications made to the Home Owner's Support Fund (HOSF) from 1 July 2024 for the following HOSF schemes:
- Mortgage to Rent
- Mortgage to Shared Equity
Setting of thresholds
The thresholds are based on an assessment of current housing market conditions within each local authority area and are aligned with the Open Market Share Equity (OMSE) scheme.
Exceptions
Where a property value exceeds the relevant threshold, the home owner may still be eligible for assistance if, as a result of a physical or mental health problem they can demonstrate a specific housing need, requiring them to remain in their property.
Determining the open market value
The Open Market Value of the property is determined by our independent surveyors, initially as a desktop valuation and then a survey of the home. There is no appeal process.
The survey report is tailored for use in the Scheme. Copies are sent to relevant parties only when required to complete specific stages of the purchase. The survey report is the property of the Scottish Government and has no purpose outside the Scheme. Applicants will only be sent a copy with an offer letter, if issued. It is not available to applicants or advisors upon request.
Property thresholds in each local authority area
|
Area |
Apartment size 2 |
Apartment size 3 |
Apartment size 4 |
Apartment size 5 |
Apartment size 6 |
|
Aberdeen City |
£75,000 |
£90,000 |
£100,000 |
£125,000 |
£180,000 |
|
Angus |
£55,000 |
£90,000 |
£120,000 |
£160,000 |
£215,000 |
|
Argyll & Bute |
£70,000 |
£95,000 |
£120,000 |
£155,000 |
£230,000 |
|
Central Aberdeenshire |
£100,000 |
£130,000 |
£155,000 |
£200,000 |
£235,000 |
|
Central Mainland (Highland) |
£110,000 |
£145,000 |
£160,000 |
£215,000 |
£270,000 |
|
Clackmannanshire |
£50,000 |
£80,000 |
£105,000 |
£180,000 |
£220,000 |
|
Dumfries & Galloway |
£60,000 |
£90,000 |
£105,000 |
£145,000 |
£195,000 |
|
Dundee City |
£60,000 |
£85,000 |
£110,000 |
£165,000 |
£205,000 |
|
East Ayrshire |
£40,000 |
£55,000 |
£70,000 |
£85,000 |
£170,000 |
|
East Dunbartonshire |
£95,000 |
£125,000 |
£175,000 |
£225,000 |
£345,000 |
|
East Lothian |
£140,000 |
£185,000 |
£215,000 |
£285,000 |
£380,000 |
|
East Mainland (Highland) |
£80,000 |
£80,000 |
£90,000 |
£140,000 |
£125,000 |
|
East Renfrewshire |
£90,000 |
£140,000 |
£180,000 |
£260,000 |
£380,000 |
|
Edinburgh City |
£150,000 |
£180,000 |
£225,000 |
£295,000 |
£445,000 |
|
Eilean Siar |
£80,000 |
£130,000 |
£130,000 |
£145,000 |
£150,000 |
|
Falkirk |
£60,000 |
£95,000 |
£120,000 |
£195,000 |
£245,000 |
|
Fife - North |
£95,000 |
£140,000 |
£175,000 |
£240,000 |
£275,000 |
|
Fife - South |
£70,000 |
£90,000 |
£120,000 |
£190,000 |
£255,000 |
|
Glasgow City |
£95,000 |
£115,000 |
£125,000 |
£210,000 |
£305,000 |
|
Inverclyde |
£35,000 |
£50,000 |
£65,000 |
£75,000 |
£165,000 |
|
Midlothian |
£135,000 |
£150,000 |
£180,000 |
£205,000 |
£335,000 |
|
Moray |
£90,000 |
£115,000 |
£130,000 |
£155,000 |
£200,000 |
|
North Aberdeenshire |
£55,000 |
£75,000 |
£90,000 |
£115,000 |
£160,000 |
|
North Ayrshire |
£55,000 |
£65,000 |
£80,000 |
£95,000 |
£200,000 |
|
North Lanarkshire |
£55,000 |
£75,000 |
£85,000 |
£115,000 |
£195,000 |
|
Orkney |
£90,000 |
£140,000 |
£180,000 |
£240,000 |
£255,000 |
|
Perth & Kinross |
£75,000 |
£115,000 |
£160,000 |
£200,000 |
£265,000 |
|
Renfrewshire |
£65,000 |
£85,000 |
£105,000 |
£140,000 |
£250,000 |
|
Rural Stirling |
£105,000 |
£130,000 |
£175,000 |
£295,000 |
£365,000 |
|
Scottish Borders |
£65,000 |
£100,000 |
£120,000 |
£175,000 |
£235,000 |
|
Shetland |
£90,000 |
£140,000 |
£180,000 |
£235,000 |
£250,000 |
|
South Aberdeenshire |
£110,000 |
£150,000 |
£160,000 |
£195,000 |
£240,000 |
|
South Ayrshire |
£60,000 |
£80,000 |
£100,000 |
£150,000 |
£210,000 |
|
South Lanarkshire |
£60,000 |
£85,000 |
£105,000 |
£145,000 |
£235,000 |
|
Urban Stirling |
£95,000 |
£115,000 |
£135,000 |
£250,000 |
£305,000 |
|
West Dunbartonshire |
£60,000 |
£80,000 |
£105,000 |
£160,000 |
£245,000 |
|
West Lothian |
£90,000 |
£120,000 |
£135,000 |
£150,000 |
£250,000 |
|
West Mainland (Highland) |
£105,000 |
£110,000 |
£130,000 |
£170,000 |
£215,000 |
Contact
Email: housing@gov.scot
Phone: 0300 244 4000 – Central Enquiry Unit
The Scottish Government
St Andrew's House
Regent Road
Edinburgh
EH1 3DG
- First published
- 21 April 2017
- Last updated
- 31 October 2024 - show all updates
- All updates
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Thresholds updated for 2024 and 2025
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