Scotsaver \u2014 Mortgage & LBTT Calculator<\/title>\n<style>\n @import url('https:\/\/fonts.googleapis.com\/css2?family=Space+Grotesk:wght@500;600;700&family=Inter:wght@400;500;600;700&display=swap');\n :root{\n --loch:#0B2942; --loch-deep:#071B2E; --ember:#D9642C; --ember-light:#F0925C;\n --mist:#A9B7BE; --heather:#8574A6; --parchment:#F6F1E7; --parchment-dim:#EDE6D6;\n --ink:#16202B; --good:#3E8E5A;\n }\n *{ box-sizing:border-box; }\n body{ margin:0; font-family:'Inter',-apple-system,sans-serif; background:var(--parchment); color:var(--ink); line-height:1.5; }\n h1,h2,h3{ font-family:'Space Grotesk','Inter',sans-serif; font-weight:700; letter-spacing:-0.02em; }\n .gauge{ height:6px; width:100%; background:linear-gradient(90deg,var(--loch) 0%,var(--heather) 45%,var(--ember) 100%); }\n nav{ display:flex; align-items:center; justify-content:space-between; padding:18px 6vw; background:var(--loch-deep); color:var(--parchment); }\n .brand{ font-family:'Space Grotesk',sans-serif; font-weight:700; 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justify-content:space-between; padding:10px 0; border-bottom:1px solid var(--parchment-dim); font-size:14px; }\n .breakdown-row:last-child{ border-bottom:none; }\n .breakdown-row .lbl{ color:#4a565f; }\n .breakdown-row .val{ font-weight:600; color:var(--loch); }\n .bar-row{ margin-bottom:14px; }\n .bar-row .bar-label{ display:flex; justify-content:space-between; font-size:13px; margin-bottom:5px; color:#4a565f; }\n .bar-track{ height:10px; background:var(--parchment-dim); border-radius:6px; overflow:hidden; }\n .bar-fill{ height:100%; border-radius:6px; }\n footer{ padding:30px 6vw 40px; font-size:12px; color:#7c8792; max-width:820px; }\n .toggle-row{ display:flex; gap:8px; flex-wrap:wrap; }\n<\/style>\n <script defer data-domain=\"scotsaver.co.uk\" src=\"https:\/\/plausible.io\/js\/script.js\"><\/script>\n<\/head>\n<body>\n\n<div class=\"gauge\"><\/div>\n<nav>\n <a href=\"index.html\" class=\"brand\">Scot<span>saver<\/span><\/a>\n <a href=\"index.html\" class=\"backlink\">\u2190 All tools<\/a>\n<\/nav>\n\n<section class=\"hero\">\n <div class=\"hero-inner\">\n <div class=\"eyebrow\">2026\/27 LBTT rates<\/div>\n <h1 class=\"headline\">What will you actually pay to buy in Scotland?<\/h1>\n <p class=\"sub\">Scotland charges its own property tax \u2014 Land and Buildings Transaction Tax (LBTT) \u2014 with different bands from England’s stamp duty. See your LBTT bill and a rough monthly mortgage repayment together.<\/p>\n <\/div>\n<\/section>\n\n<section>\n <div class=\"layout\">\n <div class=\"tool-wrap\">\n <div class=\"tool-top\">Your purchase<\/div>\n <div class=\"tool-body\">\n\n <div class=\"field-group\">\n <label class=\"q\">Buyer type<\/label>\n <div class=\"toggle-row\" id=\"buyerType\">\n <div class=\"opt selected\" data-value=\"standard\">Moving home<\/div>\n <div class=\"opt\" data-value=\"ftb\">First-time buyer<\/div>\n <div class=\"opt\" data-value=\"additional\">Additional property<\/div>\n <\/div>\n <\/div>\n\n <div class=\"field\"><label>Property price (\u00a3)<\/label><input type=\"number\" id=\"price\" value=\"220000\"><\/div>\n <div class=\"field\"><label>Deposit (\u00a3)<\/label><input type=\"number\" id=\"deposit\" value=\"22000\"><\/div>\n <div class=\"field\"><label>Mortgage interest rate (% per year)<\/label><input type=\"number\" id=\"rate\" value=\"4.8\" step=\"0.1\"><\/div>\n <div class=\"field\"><label>Mortgage term (years)<\/label><input type=\"number\" id=\"term\" value=\"25\"><\/div>\n\n <button class=\"btn\" id=\"calcBtn\">Calculate LBTT & repayment<\/button>\n <div class=\"hint\">Estimate only \u2014 actual mortgage offers depend on your lender’s affordability assessment, credit history and product fees.<\/div>\n <\/div>\n <\/div>\n\n <div class=\"results-wrap\">\n <div class=\"results-top\">\n <div class=\"big-num\" id=\"lbttAmount\">\u00a30<\/div>\n <div class=\"big-lbl\">LBTT due on this purchase<\/div>\n <\/div>\n <div class=\"results-body\">\n <div class=\"breakdown-row\"><span class=\"lbl\">Loan amount needed<\/span><span class=\"val\" id=\"loanAmount\">\u00a30<\/span><\/div>\n <div class=\"breakdown-row\"><span class=\"lbl\">Estimated monthly repayment<\/span><span class=\"val\" id=\"monthlyRepay\">\u00a30<\/span><\/div>\n <div class=\"breakdown-row\"><span class=\"lbl\">Total repaid over term<\/span><span class=\"val\" id=\"totalRepay\">\u00a30<\/span><\/div>\n <div class=\"hint\" style=\"margin-top:16px;\" id=\"ftbNote\"><\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<footer>\n Scotsaver is an independent guide, not a mortgage broker or tax adviser. LBTT figures use Revenue Scotland’s published 2026\/27 bands; for a formal LBTT return use Revenue Scotland’s official calculator. Mortgage figures are illustrative and ignore fees, insurance, and lender-specific affordability rules.\n<\/footer>\n\n<script>\n document.getElementById('buyerType').addEventListener('click', (e)=>{\n const opt = e.target.closest('.opt');\n if(!opt) return;\n document.querySelectorAll('#buyerType .opt').forEach(o=>o.classList.remove('selected'));\n opt.classList.add('selected');\n });\n\n function calcLBTT(price, buyerType){\n let nilBand = buyerType === 'ftb' ? 175000 : 145000;\n const bands = [\n {limit: nilBand, rate: 0},\n {limit: 250000, rate: 0.02},\n {limit: 325000, rate: 0.05},\n {limit: 750000, rate: 0.10},\n {limit: Infinity, rate: 0.12}\n ];\n let tax = 0, lower = 0;\n for(const b of bands){\n if(price > lower){\n const upper = Math.min(price, Math.max(b.limit, lower));\n tax += Math.max(0, upper - lower) * b.rate;\n lower = b.limit;\n } else break;\n }\n if(buyerType === 'additional'){\n tax += price * 0.08; \/\/ ADS on full price\n }\n return tax;\n }\n\n function calculate(){\n if(window.plausible) plausible('Mortgage & LBTT: Calculated');\n const buyerType = document.querySelector('#buyerType .opt.selected').dataset.value;\n const price = parseFloat(document.getElementById('price').value) || 0;\n const deposit = parseFloat(document.getElementById('deposit').value) || 0;\n const rate = parseFloat(document.getElementById('rate').value) || 0;\n const term = parseFloat(document.getElementById('term').value) || 25;\n\n const lbtt = calcLBTT(price, buyerType);\n const loan = Math.max(0, price - deposit);\n const monthlyRate = (rate\/100)\/12;\n const numPayments = term * 12;\n let monthlyRepay = 0;\n if(monthlyRate > 0 && loan > 0){\n monthlyRepay = loan * (monthlyRate * Math.pow(1+monthlyRate, numPayments)) \/ (Math.pow(1+monthlyRate, numPayments) - 1);\n } else if(loan > 0){\n monthlyRepay = loan \/ numPayments;\n }\n const totalRepay = monthlyRepay * numPayments;\n\n document.getElementById('lbttAmount').textContent = '\u00a3' + Math.round(lbtt).toLocaleString();\n document.getElementById('loanAmount').textContent = '\u00a3' + Math.round(loan).toLocaleString();\n document.getElementById('monthlyRepay').textContent = '\u00a3' + Math.round(monthlyRepay).toLocaleString();\n document.getElementById('totalRepay').textContent = '\u00a3' + Math.round(totalRepay).toLocaleString();\n\n const note = document.getElementById('ftbNote');\n if(buyerType === 'ftb'){\n note.textContent = \"First-time buyer relief applied \u2014 no LBTT on the first \u00a3175,000, saving up to \u00a3600 versus a standard buyer.\";\n } else if(buyerType === 'additional'){\n note.textContent = \"Includes the 8% Additional Dwelling Supplement on the full price \u2014 refundable if you sell your previous main home within 36 months.\";\n } else {\n note.textContent = \"Standard residential rates \u2014 no LBTT on the first \u00a3145,000.\";\n }\n }\n\n document.getElementById('calcBtn').addEventListener('click', calculate);\n calculate();\n<\/script>\n\n<\/body>\n<\/html>\n\n","protected":false},"excerpt":{"rendered":"<p>Scotsaver \u2014 Mortgage & LBTT Calculator Scotsaver \u2190 All tools 2026\/27 LBTT rates What will you actually pay to buy in Scotland? Scotland charges its own property tax \u2014 Land and Buildings Transaction Tax (LBTT) \u2014 with different bands from England’s stamp duty. See your LBTT bill and a rough monthly mortgage repayment together. Your […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-271","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"\n<title>Own property tax - Scotsaver<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/scotsaver.co.uk\/?page_id=271\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Own property tax - Scotsaver\" \/>\n<meta property=\"og:description\" content=\"Scotsaver \u2014 Mortgage & LBTT Calculator Scotsaver \u2190 All tools 2026\/27 LBTT rates What will you actually pay to buy in Scotland? Scotland charges its own property tax \u2014 Land and Buildings Transaction Tax (LBTT) \u2014 with different bands from England’s stamp duty. See your LBTT bill and a rough monthly mortgage repayment together. Your […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/scotsaver.co.uk\/?page_id=271\" \/>\n<meta property=\"og:site_name\" content=\"Scotsaver\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-21T19:55:22+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/?page_id=271\",\"url\":\"https:\\\/\\\/scotsaver.co.uk\\\/?page_id=271\",\"name\":\"Own property tax - Scotsaver\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/#website\"},\"datePublished\":\"2026-07-21T19:55:20+00:00\",\"dateModified\":\"2026-07-21T19:55:22+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/?page_id=271#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/scotsaver.co.uk\\\/?page_id=271\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/?page_id=271#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/scotsaver.co.uk\\\/?page_id=238\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Own property tax\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/#website\",\"url\":\"https:\\\/\\\/scotsaver.co.uk\\\/\",\"name\":\"Scotsaver\",\"description\":\"My WordPress Blog\",\"publisher\":{\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/scotsaver.co.uk\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/#organization\",\"name\":\"Scotsaver\",\"url\":\"https:\\\/\\\/scotsaver.co.uk\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/scotsaver.co.uk\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/cropped-IMG_6432.png\",\"contentUrl\":\"https:\\\/\\\/scotsaver.co.uk\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/cropped-IMG_6432.png\",\"width\":499,\"height\":167,\"caption\":\"Scotsaver\"},\"image\":{\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n","yoast_head_json":{"title":"Own property tax - Scotsaver","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/scotsaver.co.uk\/?page_id=271","og_locale":"en_US","og_type":"article","og_title":"Own property tax - Scotsaver","og_description":"Scotsaver \u2014 Mortgage & LBTT Calculator Scotsaver \u2190 All tools 2026\/27 LBTT rates What will you actually pay to buy in Scotland? Scotland charges its own property tax \u2014 Land and Buildings Transaction Tax (LBTT) \u2014 with different bands from England’s stamp duty. See your LBTT bill and a rough monthly mortgage repayment together. Your […]","og_url":"https:\/\/scotsaver.co.uk\/?page_id=271","og_site_name":"Scotsaver","article_modified_time":"2026-07-21T19:55:22+00:00","twitter_card":"summary_large_image","twitter_misc":{"Est. reading time":"1 minute"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/scotsaver.co.uk\/?page_id=271","url":"https:\/\/scotsaver.co.uk\/?page_id=271","name":"Own property tax - Scotsaver","isPartOf":{"@id":"https:\/\/scotsaver.co.uk\/#website"},"datePublished":"2026-07-21T19:55:20+00:00","dateModified":"2026-07-21T19:55:22+00:00","breadcrumb":{"@id":"https:\/\/scotsaver.co.uk\/?page_id=271#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/scotsaver.co.uk\/?page_id=271"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/scotsaver.co.uk\/?page_id=271#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/scotsaver.co.uk\/?page_id=238"},{"@type":"ListItem","position":2,"name":"Own property tax"}]},{"@type":"WebSite","@id":"https:\/\/scotsaver.co.uk\/#website","url":"https:\/\/scotsaver.co.uk\/","name":"Scotsaver","description":"My WordPress Blog","publisher":{"@id":"https:\/\/scotsaver.co.uk\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/scotsaver.co.uk\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/scotsaver.co.uk\/#organization","name":"Scotsaver","url":"https:\/\/scotsaver.co.uk\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/scotsaver.co.uk\/#\/schema\/logo\/image\/","url":"https:\/\/scotsaver.co.uk\/wp-content\/uploads\/2025\/03\/cropped-IMG_6432.png","contentUrl":"https:\/\/scotsaver.co.uk\/wp-content\/uploads\/2025\/03\/cropped-IMG_6432.png","width":499,"height":167,"caption":"Scotsaver"},"image":{"@id":"https:\/\/scotsaver.co.uk\/#\/schema\/logo\/image\/"}}]}},"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"mailpoet_newsletter_max":false},"uagb_author_info":{"display_name":"MrSamm","author_link":"https:\/\/scotsaver.co.uk\/?author=1"},"uagb_comment_info":0,"uagb_excerpt":"Scotsaver \u2014 Mortgage & LBTT Calculator Scotsaver \u2190 All tools 2026\/27 LBTT rates What will you actually pay to buy in Scotland? Scotland charges its own property tax \u2014 Land and Buildings Transaction Tax (LBTT) \u2014 with different bands from England’s stamp duty. See your LBTT bill and a rough monthly mortgage repayment together. Your…","_links":{"self":[{"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/271","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=271"}],"version-history":[{"count":1,"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/271\/revisions"}],"predecessor-version":[{"id":272,"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/271\/revisions\/272"}],"wp:attachment":[{"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=271"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}

{"id":271,"date":"2026-07-21T19:55:20","date_gmt":"2026-07-21T19:55:20","guid":{"rendered":"https:\/\/scotsaver.co.uk\/?page_id=271"},"modified":"2026-07-21T19:55:22","modified_gmt":"2026-07-21T19:55:22","slug":"own-property-tax","status":"publish","type":"page","link":"https:\/\/scotsaver.co.uk\/?page_id=271","title":{"rendered":"Own property tax"},"content":{"rendered":"\n\n\n\n\n\nScotsaver \u2014 Mortgage & LBTT Calculator<\/title>\n<style>\n @import url('https:\/\/fonts.googleapis.com\/css2?family=Space+Grotesk:wght@500;600;700&family=Inter:wght@400;500;600;700&display=swap');\n :root{\n --loch:#0B2942; --loch-deep:#071B2E; --ember:#D9642C; --ember-light:#F0925C;\n --mist:#A9B7BE; --heather:#8574A6; --parchment:#F6F1E7; --parchment-dim:#EDE6D6;\n --ink:#16202B; --good:#3E8E5A;\n }\n *{ box-sizing:border-box; }\n body{ margin:0; font-family:'Inter',-apple-system,sans-serif; background:var(--parchment); color:var(--ink); line-height:1.5; }\n h1,h2,h3{ font-family:'Space Grotesk','Inter',sans-serif; 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}\n .toggle-row{ display:flex; gap:8px; flex-wrap:wrap; }\n<\/style>\n <script defer data-domain=\"scotsaver.co.uk\" src=\"https:\/\/plausible.io\/js\/script.js\"><\/script>\n<\/head>\n<body>\n\n<div class=\"gauge\"><\/div>\n<nav>\n <a href=\"index.html\" class=\"brand\">Scot<span>saver<\/span><\/a>\n <a href=\"index.html\" class=\"backlink\">\u2190 All tools<\/a>\n<\/nav>\n\n<section class=\"hero\">\n <div class=\"hero-inner\">\n <div class=\"eyebrow\">2026\/27 LBTT rates<\/div>\n <h1 class=\"headline\">What will you actually pay to buy in Scotland?<\/h1>\n <p class=\"sub\">Scotland charges its own property tax \u2014 Land and Buildings Transaction Tax (LBTT) \u2014 with different bands from England’s stamp duty. See your LBTT bill and a rough monthly mortgage repayment together.<\/p>\n <\/div>\n<\/section>\n\n<section>\n <div class=\"layout\">\n <div class=\"tool-wrap\">\n <div class=\"tool-top\">Your purchase<\/div>\n <div class=\"tool-body\">\n\n <div class=\"field-group\">\n <label class=\"q\">Buyer type<\/label>\n <div class=\"toggle-row\" id=\"buyerType\">\n <div class=\"opt selected\" data-value=\"standard\">Moving home<\/div>\n <div class=\"opt\" data-value=\"ftb\">First-time buyer<\/div>\n <div class=\"opt\" data-value=\"additional\">Additional property<\/div>\n <\/div>\n <\/div>\n\n <div class=\"field\"><label>Property price (\u00a3)<\/label><input type=\"number\" id=\"price\" value=\"220000\"><\/div>\n <div class=\"field\"><label>Deposit (\u00a3)<\/label><input type=\"number\" id=\"deposit\" value=\"22000\"><\/div>\n <div class=\"field\"><label>Mortgage interest rate (% per year)<\/label><input type=\"number\" id=\"rate\" value=\"4.8\" step=\"0.1\"><\/div>\n <div class=\"field\"><label>Mortgage term (years)<\/label><input type=\"number\" id=\"term\" value=\"25\"><\/div>\n\n <button class=\"btn\" id=\"calcBtn\">Calculate LBTT & repayment<\/button>\n <div class=\"hint\">Estimate only \u2014 actual mortgage offers depend on your lender’s affordability assessment, credit history and product fees.<\/div>\n <\/div>\n <\/div>\n\n <div class=\"results-wrap\">\n <div class=\"results-top\">\n <div class=\"big-num\" id=\"lbttAmount\">\u00a30<\/div>\n <div class=\"big-lbl\">LBTT due on this purchase<\/div>\n <\/div>\n <div class=\"results-body\">\n <div class=\"breakdown-row\"><span class=\"lbl\">Loan amount needed<\/span><span class=\"val\" id=\"loanAmount\">\u00a30<\/span><\/div>\n <div class=\"breakdown-row\"><span class=\"lbl\">Estimated monthly repayment<\/span><span class=\"val\" id=\"monthlyRepay\">\u00a30<\/span><\/div>\n <div class=\"breakdown-row\"><span class=\"lbl\">Total repaid over term<\/span><span class=\"val\" id=\"totalRepay\">\u00a30<\/span><\/div>\n <div class=\"hint\" style=\"margin-top:16px;\" id=\"ftbNote\"><\/div>\n <\/div>\n <\/div>\n <\/div>\n<\/section>\n\n<footer>\n Scotsaver is an independent guide, not a mortgage broker or tax adviser. LBTT figures use Revenue Scotland’s published 2026\/27 bands; for a formal LBTT return use Revenue Scotland’s official calculator. Mortgage figures are illustrative and ignore fees, insurance, and lender-specific affordability rules.\n<\/footer>\n\n<script>\n document.getElementById('buyerType').addEventListener('click', (e)=>{\n const opt = e.target.closest('.opt');\n if(!opt) return;\n document.querySelectorAll('#buyerType .opt').forEach(o=>o.classList.remove('selected'));\n opt.classList.add('selected');\n });\n\n function calcLBTT(price, buyerType){\n let nilBand = buyerType === 'ftb' ? 175000 : 145000;\n const bands = [\n {limit: nilBand, rate: 0},\n {limit: 250000, rate: 0.02},\n {limit: 325000, rate: 0.05},\n {limit: 750000, rate: 0.10},\n {limit: Infinity, rate: 0.12}\n ];\n let tax = 0, lower = 0;\n for(const b of bands){\n if(price > lower){\n const upper = Math.min(price, Math.max(b.limit, lower));\n tax += Math.max(0, upper - lower) * b.rate;\n lower = b.limit;\n } else break;\n }\n if(buyerType === 'additional'){\n tax += price * 0.08; \/\/ ADS on full price\n }\n return tax;\n }\n\n function calculate(){\n if(window.plausible) plausible('Mortgage & LBTT: Calculated');\n const buyerType = document.querySelector('#buyerType .opt.selected').dataset.value;\n const price = parseFloat(document.getElementById('price').value) || 0;\n const deposit = parseFloat(document.getElementById('deposit').value) || 0;\n const rate = parseFloat(document.getElementById('rate').value) || 0;\n const term = parseFloat(document.getElementById('term').value) || 25;\n\n const lbtt = calcLBTT(price, buyerType);\n const loan = Math.max(0, price - deposit);\n const monthlyRate = (rate\/100)\/12;\n const numPayments = term * 12;\n let monthlyRepay = 0;\n if(monthlyRate > 0 && loan > 0){\n monthlyRepay = loan * (monthlyRate * Math.pow(1+monthlyRate, numPayments)) \/ (Math.pow(1+monthlyRate, numPayments) - 1);\n } else if(loan > 0){\n monthlyRepay = loan \/ numPayments;\n }\n const totalRepay = monthlyRepay * numPayments;\n\n document.getElementById('lbttAmount').textContent = '\u00a3' + Math.round(lbtt).toLocaleString();\n document.getElementById('loanAmount').textContent = '\u00a3' + Math.round(loan).toLocaleString();\n document.getElementById('monthlyRepay').textContent = '\u00a3' + Math.round(monthlyRepay).toLocaleString();\n document.getElementById('totalRepay').textContent = '\u00a3' + Math.round(totalRepay).toLocaleString();\n\n const note = document.getElementById('ftbNote');\n if(buyerType === 'ftb'){\n note.textContent = \"First-time buyer relief applied \u2014 no LBTT on the first \u00a3175,000, saving up to \u00a3600 versus a standard buyer.\";\n } else if(buyerType === 'additional'){\n note.textContent = \"Includes the 8% Additional Dwelling Supplement on the full price \u2014 refundable if you sell your previous main home within 36 months.\";\n } else {\n note.textContent = \"Standard residential rates \u2014 no LBTT on the first \u00a3145,000.\";\n }\n }\n\n document.getElementById('calcBtn').addEventListener('click', calculate);\n calculate();\n<\/script>\n\n<\/body>\n<\/html>\n\n","protected":false},"excerpt":{"rendered":"<p>Scotsaver \u2014 Mortgage & LBTT Calculator Scotsaver \u2190 All tools 2026\/27 LBTT rates What will you actually pay to buy in Scotland? Scotland charges its own property tax \u2014 Land and Buildings Transaction Tax (LBTT) \u2014 with different bands from England’s stamp duty. See your LBTT bill and a rough monthly mortgage repayment together. Your […]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_uag_custom_page_level_css":"","footnotes":""},"class_list":["post-271","page","type-page","status-publish","hentry"],"blocksy_meta":[],"yoast_head":"\n<title>Own property tax - Scotsaver<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/scotsaver.co.uk\/?page_id=271\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Own property tax - Scotsaver\" \/>\n<meta property=\"og:description\" content=\"Scotsaver \u2014 Mortgage & LBTT Calculator Scotsaver \u2190 All tools 2026\/27 LBTT rates What will you actually pay to buy in Scotland? Scotland charges its own property tax \u2014 Land and Buildings Transaction Tax (LBTT) \u2014 with different bands from England’s stamp duty. See your LBTT bill and a rough monthly mortgage repayment together. Your […]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/scotsaver.co.uk\/?page_id=271\" \/>\n<meta property=\"og:site_name\" content=\"Scotsaver\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-21T19:55:22+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/?page_id=271\",\"url\":\"https:\\\/\\\/scotsaver.co.uk\\\/?page_id=271\",\"name\":\"Own property tax - Scotsaver\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/#website\"},\"datePublished\":\"2026-07-21T19:55:20+00:00\",\"dateModified\":\"2026-07-21T19:55:22+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/?page_id=271#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/scotsaver.co.uk\\\/?page_id=271\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/?page_id=271#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/scotsaver.co.uk\\\/?page_id=238\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Own property tax\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/#website\",\"url\":\"https:\\\/\\\/scotsaver.co.uk\\\/\",\"name\":\"Scotsaver\",\"description\":\"My WordPress Blog\",\"publisher\":{\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/scotsaver.co.uk\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/#organization\",\"name\":\"Scotsaver\",\"url\":\"https:\\\/\\\/scotsaver.co.uk\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/scotsaver.co.uk\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/cropped-IMG_6432.png\",\"contentUrl\":\"https:\\\/\\\/scotsaver.co.uk\\\/wp-content\\\/uploads\\\/2025\\\/03\\\/cropped-IMG_6432.png\",\"width\":499,\"height\":167,\"caption\":\"Scotsaver\"},\"image\":{\"@id\":\"https:\\\/\\\/scotsaver.co.uk\\\/#\\\/schema\\\/logo\\\/image\\\/\"}}]}<\/script>\n","yoast_head_json":{"title":"Own property tax - Scotsaver","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/scotsaver.co.uk\/?page_id=271","og_locale":"en_US","og_type":"article","og_title":"Own property tax - Scotsaver","og_description":"Scotsaver \u2014 Mortgage & LBTT Calculator Scotsaver \u2190 All tools 2026\/27 LBTT rates What will you actually pay to buy in Scotland? Scotland charges its own property tax \u2014 Land and Buildings Transaction Tax (LBTT) \u2014 with different bands from England’s stamp duty. See your LBTT bill and a rough monthly mortgage repayment together. 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Scotland charges its own property tax \u2014 Land and Buildings Transaction Tax (LBTT) \u2014 with different bands from England’s stamp duty. See your LBTT bill and a rough monthly mortgage repayment together. Your…","_links":{"self":[{"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/271","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=271"}],"version-history":[{"count":1,"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/271\/revisions"}],"predecessor-version":[{"id":272,"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=\/wp\/v2\/pages\/271\/revisions\/272"}],"wp:attachment":[{"href":"https:\/\/scotsaver.co.uk\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=271"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}