Buying a home in City of Edinburgh

The local market

Popular homes routinely sell for well above the Home Report valuation under "offers over", so budget for the gap between valuation and final price.

Wherever you buy in City of Edinburgh, the Scottish process is the same: most homes come with a Home Report, sales run through solicitors, and the purchase tax is LBTT rather than Stamp Duty. In competitive streets, expect “offers over” and budget for the gap between the valuation and the agreed price.

Work out your numbers for City of Edinburgh

Before viewing in Edinburgh or elsewhere in City of Edinburgh, sense-check what you can afford and what the tax will be:

• Affordability calculator — your indicative borrowing range.
• Repayment calculator — estimated monthly cost.
• LBTT calculator — the Scottish purchase tax, including the Additional Dwelling Supplement.

Schemes that may help

Buyers across East can explore the Scottish Government’s home-buying schemes, which can reduce the deposit or amount you need to borrow. Availability and eligibility change over time, so confirm what is currently open before relying on a scheme.

This guide is general information about City of Edinburgh, not regulated advice or a property valuation. Confirm figures with a qualified mortgage adviser.