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Buying a property in Scotland is generally more transparent than in England due to the mandatory Home Report provided by the seller, but there are still several “hidden” or easily overlooked costs that can surprise you.
As of 2026, here are the extra costs you should budget for beyond your deposit:
Land and Buildings Transaction Tax (LBTT)
LBTT is Scotland’s version of Stamp Duty. While first-time buyers get relief on the first £175,000, everyone else pays based on these bands:
Property Value | LBTT Rate |
Up to £145,000 | 0% |
£145,001 – £250,000 | 2% |
£250,001 – £325,000 | 5% |
£325,001 – £750,000 | 10% |
Above £750,000 | 12% |
