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Online mortgages are provided by NatWest which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority. Royal Bank of Scotland may receive a fee based on a percentage of any mortgage entered into for this referral. NatWest and Royal Bank of Scotland mortgages are available to over 18s. Your home or property may be repossessed if you do not keep up repayments on your mortgage.
How much will I have to pay?
You can find out the exact amount you may have to pay on the property you're buying using the calculator from Revenue Scotland.
Costs for second home owners
If you're buying an additional residential property in Scotland, including rental properties, second homes and holiday homes, you may have to pay the Additional Dwelling Supplement. You'll pay this additional amount unless the main or second property costs less than £40,000.
How do I pay for LBTT?
With any big purchase, it's important to work out your budget. It's best not to borrow more money on your mortgage to cover LBTT, as this could affect your loan to value ratio.
It's a good idea to make sure you have the cash to pay for LBTT before you make an offer on a property. You can use our budget calculator to see how to cover this cost.
Your solicitor will usually calculate and collect the LBTT in advance, but it's legally the buyers' responsibility to make sure it's paid on time.
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Check out our mortgage options
Take a look at the mortgages we offer to see what could work for you and how much your repayments will be.