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The LIFT Open Market Shared Equity (OMSE) scheme. Following on from the success of the previous Scottish government LIFT Scheme, the new 2024 LIFT Open Market Shared Equity (OMSE) scheme has been set up once more to help buyers purchase a home by providing funding up to 40% of the property valuation or purchase price (whichever is the lower). Get a Mortgage in Principle today with Border Mortgage Services and we will help you apply for the LIFT scheme. You need a mortgage in principle to be considered for the OMSE. There are 14 Lenders that offer mortgages for the OMSE Scheme, and they are all on panel with strong relationships. Who is eligible for OMSE? First Time Buyers Armed Forces, Veterans and Widows of Armed Forces With disability and in need of housing Renters from Council or Social Housing 60+ Years Old We will do all the work for you, all you need to do is find a property!

One of our Top Lenders are saying…

  No Deposit Needed for Excising Renters.   Here’s what you need to know: Up to 100% LTV mortgages for current or recent renters, aged 21+, who have paid all rent for 12 months in a row, within the last 18 months, and who haven't owned a property in the UK in the last 3 years. Deposit of less than 5% considered, even if it’s gifted. Max term 40 years. Max LTI 4.49. Monthly payments up to 120% of current rent (calculated as a mean average over the last 6 months) in some cases. Now available with a delayed start feature - your clients can delay mortgage repayments for up to the first three months (1, 2 or 3 months - depending on the product chosen) after completion. Interest will accrue from day one.