Buying a home

Besides the cost of your mortgage, there are other things you need to take into account when buying your own home. This page looks at the costs of finding a home and arranging a mortgage, including the deposit, insurance, stamp duty and registration fees.

Housing laws differ between Scotland and England
This content applies to Scotland only
Get advice if you're in England

  • Costs of buying a home

    There are various costs of buying your home, from solicitor's fees to valuation and surveys of the property.

  • Other mortgage costs

    On top of your mortgage, when buying your home you will need to budget for other costs such as mortgage arrangement fee, deposit, buildings insurance and mortgage protection insurance.

  • Land and Building Transaction Tax

    Land and Building Transaction Tax. From 1 April 2015 all house sales in Scotland will be subject to Land and Building Transaction Tax.

  • Other costs of buying a home

    On top of your mortgage and mortgage fees there are other costs of buying a home, such as a bridging loan, repairs and any costs when you're moving into your new home.

Speak to a Shelter Scotland adviser

Call Shelter Scotland's free housing advice helpline

0808 800 4444
9am-5pm, Monday to Friday

Email an adviser

You can also email a housing adviser. We aim to respond within three working days.

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