Buying a home
This content applies to Scotland only.
Housing laws vary between Scotland and England. Get advice relating to England
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.
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.
Stamp duty and registration fees
When you buy a property, you may need to pay stamp duty land tax. You will also have to pay to register your ownership of the property, and to record the standard security.
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.
