Adults in Scotland doubtful about home ownership prospects

October 2, 2026 by Brendan O'Neill

Home owners

A survey of adults across Scotland has found that close to half of them are doubtful they will ever own a home.

This survey is the work of specialist mortgage lender Pepper Money. The company has just launched itself on the Scottish market, and the results of its survey indicate that it is needed. Almost half of the Scots who took part, 47%, do not think they have any chance of buying a home of their own.

When it comes to those who have complex circumstances, the figure is even higher; 55% of the people in that group said they doubt that they will ever be in a position to buy. This group includes people with variable incomes, self-employed people and those who work as contractors.

While the survey shows considerable scepticism, it also reveals a desire among Scots to become homeowners. Over one out of every 10 of those surveyed said buying was something they wish they could do.

Paul Adams is employed by Pepper Money as its sales director. Talking to Financial Reporter, he said that the survey highlighted the gap between what people want and what they feel able to do.

He then added:

“As we launch our first charge mortgage proposition in Scotland, Pepper Money will work closely with brokers to help more customers understand what may be possible through specialist lending and what they need to do to take their next step towards homeownership.”

This survey shows again that there is real potential for mortgage advisors with the CeMAP qualification in the specialist lending market.