Shared Equity

Capital Credit Union offers mortgages in conjunction with the Scottish Government's shared equity schemes. These are specifically designed to help people into homes suitable for their circumstances. For more information click here.

Low-cost Initiative for First Time Buyers (LIFT) is helping people access home ownership in several ways. These include:

And to make things even simpler, Capital Credit Union has packaged all the extra bits and bobs into one comprehensive mortgage fees package.You can buy your own home for an outlay of just £3,299. This one-off, all-inclusive fee includes:

  • Your deposit of £1,000
  • ALL legal and registration fees*
  • ALL lender and IFA fees

Try finding another First Time Buyer package like ours!


*Properties over £145,000 are subject to additional LBTT-Land and Buildings Transaction Tax (aka Stamp Duty) payable by the buyer.

Important Information

Our mortgage products have limited availability and may be withdrawn at any time.

Early repayment charges apply. Any other charges and fees may apply.

Applications are subject to standard lending criteria and all loans are subject to status.

Your home may be repossessed if you do not keep up repayments on your mortgage.

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Email Independent Mortgage Adviser Lauren McFadden on