LBTT on a £175,000 house in Scotland
Buying a £175,000 home in Scotland? A home mover pays £600 Land and Buildings Transaction Tax, 0.34% of the price.
- Moving home
- £600
- First-time buyer
- £0
- Second home or buy-to-let
- £14,600
- Same price in England
- £1,000
- HMRC 2026/27 rates
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LBTT on a £175,000 property in Scotland is £600 for a home mover, £0 for a first-time buyer and £14,600 for a second home or buy-to-let.
How £600 is worked out
| Portion of the price | Rate | Tax |
|---|---|---|
| £0 to £145,000 | 0% | £0 |
| £145,000 to £175,000 | 2% | £600 |
| Total stamp duty | 0.34% | £600 |
£175,000 across the UK
Property tax on a home mover's £175,000 purchase in each nation. Scotland charges less than England on cheaper homes and more on expensive ones, because its 10% band starts at £325,000.
The rest of a £175,000 purchase
With a 10% deposit you would borrow about £157,500. At 4.5% over 25 years that is £875 a month (see a £160,000 mortgage). Most lenders would want a household income of around £34,000: what £34,000 can borrow.
LBTT on nearby prices
Questions people ask
Do first-time buyers pay LBTT on £175,000?
No. First-time buyers pay nothing on the first £175,000.
How much LBTT is due on a £175,000 second home or buy-to-let?
£14,600. That is the normal LBTT of £600 plus the 8% Additional Dwelling Supplement on the whole price, £14,000.
How does Scotland compare with England on £175,000?
In England a home mover pays £1,000 stamp duty on £175,000, £400 more than the £600 LBTT in Scotland.