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Buying a home if you are disabled

There are plenty things that you need to consider before buying a home. This page highlights the most common issues that you should think about before buying a home.

Can I afford to buy a home?

Many disabled people rely on benefits to make up their income but this needn't prevent you from getting a mortgage to buy your own home. You may be able to get additional help to pay mortgage interest. You could also consider buying a share in a home through shared ownership or one of the Scottish Government's Shared Equity schemes.

What to consider when buying a home?

As well as the costs of buying a home, you'll need to take into account any special requirements you may have. For example, do you need a ground floor flat or bungalow? Do you have to be near certain medical facilities? Will you need any support, and if so, is there a local service that provides this? Remember, if you're moving to a new council area, the services available may be different, or may be run in a different way.

Use our home buyer's and accessibility checklists (also available in large print) to help you assess whether potential properties are suitable for you, and contact a local disability information centre to find out about healthcare provisions in the area.

Can I buy a home with support?

If you need a high level of support at home, you could consider buying a home in a sheltered housing scheme - these may be available through housing associations or other organisations. You can search for supported housing to buy at the Housing Care website.

How can I find a suitable home?

It may take you a while to find a place that's right for you, especially if you have a lot of specific needs. The page on finding a property has lots of information on looking for a place to buy, including advice on dealing with estate agents and solicitors' property centres. New build homes are designed to be 'barrier free' and accessible, and may offer good financial deals, so it's a good idea to look at new developments.

You could also try checking the Accessible Property Register, which lists accessible homes for sale, and contacting Housing Option Scotland, a charity that specialises in homeownership issues affecting disabled people.

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