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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!

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Julie has been amazing! I went to her for a mortgage as a FTB and I was completely clueless about the whole process. She explained every step we’d go through, put me in touch with a solicitor, worked quickly and efficiently to sort the mortgage and various insurances out for me. She was kind and friendly throughout. I’d 100% recommend her services.

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 Adverse Credit???  We are currently in receipt of a number of enquiries over the last few weeks where the client(s) have had relatively recent adverse, and they initially felt as though they had no way of getting on or taking their next step on the property ladder.    Here’s where we currently win an awful lot of business in Scotland a maximum LTV of 80% within our level 3 product range which would count for both residential purchases and remortgages:   No defaults /CCJs  registered  in the last 6 months (doesn’t have to have been satisfied or be being satisfied, no monetary value cap) Trust Deed/IVA  discharged  for 1+ years  Worst case status 3 on an unsecured loan within the last 12 months Client(s) currently in a Debt Arrangement Scheme (DAS) that has been maintained for at least the last 12 months No set criteria on utilities No set criteria on credit cards   Don’t forget: Latest years income for self-employed considered Lendi...
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