£275,000 Property Transfer Tax & Mortgage in Scotland (2026)
Purchasing a £275,000 residential property in Scotland, United Kingdom incurs £1,250 in UK Stamp Duty Land Tax (SDLT) plus £2,200 in notary and land registry fees. With a 20% deposit (£55,000) and a 25-year mortgage at 4.62%, your monthly payment is £1,238/month.
Monthly Mortgage (25Y)
£1,238/mo
Loan: £220,000 @ 4.62%
Property Transfer Tax
£1,250
UK Stamp Duty Land Tax (SDLT)
Notary & Registry
£2,200
Total Closing: £3,450
Total Cash Needed
£58,450
20% Deposit + Closing Tax
Complete Closing Cost & Mortgage Amortization Table
| Property Purchase Price | £275,000 |
| UK Stamp Duty Land Tax (SDLT) (0.45%) | £1,250 |
| Notary & Land Registry Fees | £2,200 |
| Total Non-Recoverable Closing Costs | £3,450 |
| 20% Down Payment (Deposit) | £55,000 |
| Total Upfront Cash Required at Closing | £58,450 |
| Mortgage Principal Financed (80% LTV) | £220,000 |
| Monthly Principal & Interest (25 Years @ 4.62%) | £1,237.86 / month |
| Total Interest Over 25 Years | £151,359 |