Mortgage help built for Scotland
Buying a home in Scotland works differently. Annah explains the parts that trip people up — and gives you instant numbers to plan around.
Most mortgage tools are written for the English market. Scotland has its own legal process, its own purchase tax, and its own home-buying schemes. Annah was built to close that gap with guidance that is genuinely Scotland-first.
What Annah does
Annah combines a conversational assistant with a set of Scotland-aware calculators. You can ask a question in plain English — “what is LBTT on a £260,000 flat in Edinburgh?” — and get a clear answer, then run the exact figures yourself in the calculators.
- Explains the Scottish process: Home Reports, notes of interest, closing dates and missives.
- Calculates LBTT, including first-time buyer relief and the Additional Dwelling Supplement.
- Estimates affordability, repayments, loan-to-value, overpayments and remortgage savings.
- Summarises the Scottish Government home-buying schemes.
- Offers local context for all 32 council areas.
How Annah is different
Everything is tuned for Scotland rather than retrofitted from an England-and-Wales tool. That means the tax is LBTT, not Stamp Duty; the survey is a Home Report; and the schemes are the Scottish ones. The aim is to help you arrive at a conversation with a lender or adviser already understanding the moving parts.
An honest note on advice
Annah gives general information and indicative calculations only. It is not regulated financial advice, it does not recommend specific products or lenders, and it cannot replace a qualified mortgage adviser. Always confirm figures and suitability with a regulated professional before committing.
Have a question about your mortgage?
Annah answers Scotland-specific mortgage questions instantly — free, no signup needed.
Ask Annah now