Scotland Self Build Loan Fund


The Scottish Government have provided a time limited fund to assist self or custom builders finance the construction period for their new home.

The fund runs from the 1 September 2018 to 31 August 2021 and is open to applications from individuals who have been unable to obtain mainstream self-build mortgage finance, but who will be able to repay the loan upon completion of their project. The maximum loan available stands at £175,000.


Have a question? 

Check out our SBLF Frequently Asked Questions or alternatively get in touch with our Self Build department:
​tel – 01463 572 030  |  email –

Want to know more? 

We have a selection of factsheets on the Self Build Loan Fund

The privacy notice relating to the fund can be downloaded here
Full details on the scheme are given in the brochure.  Please complete the form below to download the brochure:

Download Self Build Loan Fund Brochure

Self Build Loan Fund

Download Self Build Loan Fund Brochure
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Please find below a summary of the information required, during the application process:

  • Demonstrate that you been unable to obtain mainstream self-build mortgage finance for a new home (not a conversion or extension); and 
  • Intend to occupy the property as your sole and only residence; and
  • Own a house plot (such as de-crofting); and
  • Have Full Planning Permission in place and be ready to apply for a Building Warrant; and​
  • Have a defined elemental build cost and construction programme; and​
  • Be able to demonstrate that you will be able to repay the loan upon completion of your build.

If you meet the criteria above please contact us for a Stage One Application Form

Get in touch:

Phone : 01463 572 030  |  Email :
7 Ardross Terrace
​IV3 5NQ
The Self Build Loan Fund is administered by The Highlands Small Communities Housing Trust (HSCHT) on behalf of the Scottish Government. Any loans agreed will be between the borrower and the Scottish Government. The loan takes the form of a standard security over your house site.  Your house is at risk should you not repay the loan within the agreed time period. Please seek independent financial or mortgage advice prior to proceeding with an application.​​

Self build examples

Looking for more information on self build?

Scotland’s Self & Custom Build Portal provides information and guidance on how to build your own home in Scotland

Go to Scotland’s Self and Custom Build Portal