The housing and homelessness charity

Shelter Scotland / England

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.

  • 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.

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.

*Our advice line is free to call from landlines and all six of the main UK mobile networks, Virgin, Orange, 3, T-mobile, Vodafone and O2, but charges may apply from any other network