Buying a home in Perth and Kinross
A central county bridging the lowlands and the southern Highlands.
Key areas: Perth, Crieff, Pitlochry
The local market
Perth offers city convenience while scenic towns like Pitlochry carry a lifestyle premium for their Highland-edge setting.
Wherever you buy in Perth and Kinross, 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 Perth and Kinross
Before viewing in Perth or elsewhere in Perth and Kinross, 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 Central 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 Perth and Kinross, not regulated advice or a property valuation. Confirm figures with a qualified mortgage adviser.
Have a question about buying in Perth and Kinross?
Ask Annah about local prices, LBTT and affordability for a specific Scottish property.
Ask Annah now