Crofters access to the Self-Build Loan Fund

What is the Self Build Loan Fund? The Highlands Small Communities Housing Trust (HSCHT) have been appointed to administer The Self Build Loan Fund (SBLF) on behalf of the Scottish Government.

Funds are available from September 2018 to August 2021 to assist self builders where they have been unable to obtain mainstream self build mortgage finance.

The SBLF is available Scotland wide in both rural and urban areas.  Eligible individuals can borrow up to £175,000, which they can draw down in staged payments similar to a traditional self build mortgage with the loan being repaid either via a mainstream mortgage or by using the equity from the sale of their existing home.  The loan from the SBLF funds the build costs of the property and the Croft House Grant scheme is compatible with the loan.

Whilst both the Croft House Grant scheme and the Self Build Loan Fund are Scottish Government initiatives, they have different terms attached to them in relation to eligibility. Both schemes can be used together to assist you in delivering your new home.

The house plot requires to be de-crofted prior to any loan being offered from the SBLF and the crofter will need to contact the Crofting Commission regarding the de-crofting process.

Need more information? Visist the Self and Custom Build Portal

Further details can be obtained from The Highlands Small Communities Housing Trust;
o    e-mail: This email address is being protected from spambots. You need JavaScript enabled to view it. 
o    web: www.hscht/scotland-self-build-loan-fund.html
o    tel: 01463 572 030 
o    post: 7 Ardross Terrace, Inverness, IV3 5NQ