Funding your Vision

Renovation Funding 

With more homeowners improving rather than moving, remortgaging to release equity is a common solution. Renovation mortgages use your property as collateral and often carry higher interest rates due to lender risk. You may also need a 25% deposit or sufficient existing equity. Adding improvement costs to your mortgage is usually cheaper long-term than credit cards or personal loans. 

Support in Scotland Self-Build Loan Fund 

This Scottish Government scheme offers up to £175,000 for construction (not land). It’s ideal if banks won’t lend. You must own or have a contract on a plot and secure planning permission. .The next round hasn’t been announced yet, so keep an eye on www.mygov.scot/self build-loan-fund

Energy-Efficient Homes 

Homeowners can access grants of up to £7,500 (plus optional loans) for heat pumps and energy upgrades via the Home Energy Scotland Grant and Loan Scheme. Rural and island homes qualify for an additional £1,500 per grant type—potentially unlocking up to £18,000 in funding. Visit homeenergyscotland.org. 

Croft House Grant 

For those in crofting communities, the Croft House Grant supports vital housing work, including repairs, rebuilds, and energy improvements—especially where conventional mortgages fall short. Learn more at ruralpayments.org. 

With the right approach, careful planning, and awareness of the available support, your dream home—whatever form it takes—can become a reality