Buying a home in Scottish Borders
A rural south-east region of mill towns, rivers and rolling hills.
Key areas: Galashiels, Peebles, Melrose
The local market
The Borders Railway has boosted northern towns, while characterful rural homes appeal to those seeking space and scenery.
Wherever you buy in Scottish Borders, 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 Scottish Borders
Before viewing in Galashiels or elsewhere in Scottish Borders, 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 South 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 Scottish Borders, not regulated advice or a property valuation. Confirm figures with a qualified mortgage adviser.
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