LBTT on a £625,000 house in Scotland
Buying a £625,000 home in Scotland? A home mover pays £35,850 Land and Buildings Transaction Tax, 5.74% of the price.
- Moving home
- £35,850
- First-time buyer
- £35,250
- Second home or buy-to-let
- £85,850
- Same price in England
- £21,250
- HMRC 2026/27 rates
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LBTT on a £625,000 property in Scotland is £35,850 for a home mover, £35,250 for a first-time buyer and £85,850 for a second home or buy-to-let.
How £35,850 is worked out
| Portion of the price | Rate | Tax |
|---|---|---|
| £0 to £145,000 | 0% | £0 |
| £145,000 to £250,000 | 2% | £2,100 |
| £250,000 to £325,000 | 5% | £3,750 |
| £325,000 to £625,000 | 10% | £30,000 |
| Total stamp duty | 5.74% | £35,850 |
£625,000 across the UK
Property tax on a home mover's £625,000 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 £625,000 purchase
With a 10% deposit you would borrow about £562,500. At 4.5% over 25 years that is £3,127 a month (see a £550,000 mortgage). Most lenders would want a household income of around £125,000: what £125,000 can borrow.
LBTT on nearby prices
Questions people ask
Do first-time buyers pay LBTT on £625,000?
Yes, £35,250. First-time buyer relief raises the nil rate band to £175,000, which saves up to £600.
How much LBTT is due on a £625,000 second home or buy-to-let?
£85,850. That is the normal LBTT of £35,850 plus the 8% Additional Dwelling Supplement on the whole price, £50,000.
How does Scotland compare with England on £625,000?
In England a home mover pays £21,250 stamp duty on £625,000, £14,600 less than the £35,850 LBTT in Scotland.